Mortgage CRM pricing by tier (2026 list prices)
| CRM | Solo / Individual | Team / Mid-Market | Enterprise | Setup Fee |
|---|---|---|---|---|
| BNTouch | $165/mo | $95/seat (2 user min) | Custom | None (included White Glove) |
| Shape Software | $119/mo (general) | varies | Custom | Varies |
| Bonzo (MMI) | $129/mo | $129/mo per user | Custom | Often included |
| Surefire (ICE) | n/a (team only) | $150+/mo per user | Custom | Custom |
| Total Expert | n/a (enterprise) | n/a | $300-600/user/mo | $10K-50K typical |
| Jungo (Salesforce overlay) | n/a | $300/seat SF + Jungo | Custom | $5K-25K typical |
| Velocify (ICE/Insellerate) | n/a | $65/user/mo | Custom | Custom |
| HubSpot | $45/mo (basic) | $890+/mo Pro | $3,600+/mo Enterprise | $3K-6K typical |
What you actually pay vs the list price
List prices rarely match real spend. Three hidden costs that move the actual number:
- Per-user add-ons: SMS texting volume, AI-tier features, additional integrations, white-label websites. Some CRMs charge $20-50/user on top of the base seat fee for these.
- Setup and onboarding: BNTouch includes White Glove migration with annual plans. Enterprise platforms (Total Expert, Jungo+Salesforce) commonly charge $10,000-50,000 for implementation.
- Integrations: most independent mortgage CRMs include LOS integrations free. Some enterprise platforms charge $200-500/month per LOS connector.
The Salesforce+Jungo math
If you are evaluating Jungo on top of Salesforce, the realistic 2026 total cost looks like this for a 5-LO team: Salesforce Financial Services Cloud at $300/seat = $1,500/month. Jungo overlay add-on at $200/seat = $1,000/month. Implementation cost amortized over 24 months at $20,000 = $833/month. Total: $3,333/month for 5 LOs, or $666/LO/month. Compare to BNTouch Team at $95/seat = $475/month total, or $95/LO/month. The Salesforce stack is 7x more expensive.
When the higher-priced CRMs are worth it
Total Expert at $300-600/user/month is worth it for retail banks with 200+ LOs that need bank-grade compliance, audit trails, and integration with their core banking platform. Salesforce+Jungo is worth it when your company already runs on Salesforce for other functions and you have full-time admins. For everyone else, the price-to-value math favors mortgage-native independent CRMs at $95-165/seat.
Free mortgage CRM: is there one?
Technically yes. HubSpot has a free CRM tier. It is a real product, not a stripped trial. What you give up: every mortgage-specific feature mentioned above (TCPA SMS, credit alerts, LOS integration, mortgage automations, digital 1003). Most LOs who start on HubSpot free upgrade within 12 months because the missing pieces cost more in workarounds than the paid mortgage CRM costs.
Frequently asked
Is there a setup fee for BNTouch?
No setup fee. White Glove migration assistance (data import, field mapping, LOS integration, team training) is included with annual plans. Month-to-month plans get the same product without the dedicated migration help.
What is the cheapest mortgage CRM?
The cheapest mortgage-specific CRM in 2026 is Shape Software at $119/month for the general CRM tier. The trade-off is Shape is multi-vertical (mortgage, solar, legal, healthcare) so the mortgage-specific feature depth is shallower than BNTouch or Bonzo.
Do these prices include SMS?
BNTouch includes TCPA-compliant SMS in the base plan. Shape charges per-message after a base volume. Bonzo includes some SMS volume. Total Expert and Jungo treat SMS as an add-on. Always verify the SMS pricing model before signing because heavy outbound texting can double the effective monthly cost on some platforms.
