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McKnight MortgageOS

One API. The complete mortgage intelligence layer.

Pre-qualification, dual AUS decisioning, TRID closing costs, compliance timing, and lead scoring — plug-and-play in any LOS, CRM, or website. 2026 guidelines, verified.

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$890+/mo
what a 10-LO shop pays for per-seat pricing tools + API add-ons
Flat-rate
our plans are per-organization — unlimited seats, no per-user tax
<100ms
edge-native responses from 300+ Cloudflare locations

Simple, usage-honest pricing

Annual billing = 2 months free. Overages billed only when you blow past quota — never surprise-throttled mid-month.

Sandbox

$0

Kick the tires. No card.

  • 25 pre-quals / month
  • 5 AUS runs / month
  • 10 document analyses / month
  • All endpoints, test keys
  • Community support
  • Production keys
  • SLA
Get Sandbox Key — Instant

Starter

$299/mo

$2,990/yr (2 months free)

  • 500 pre-quals / month
  • 50 AUS runs / month
  • 100 document OCR analyses / month
  • 1,000 API calls / day
  • Unlimited closing-cost & compliance calls
  • Email support (48h)
  • Overage: $0.75/pre-qual · $3/AUS
MOST POPULAR

Professional

$999/mo

$9,990/yr (2 months free)

  • 5,000 pre-quals / month
  • 500 AUS runs / month
  • 1,000 document OCR analyses / month
  • 10,000 API calls / day
  • Unlimited closing-cost & compliance calls
  • Lead scoring + CRM pipeline API
  • Priority support (12h) + onboarding call
  • Overage: $0.40/pre-qual · $2/AUS

Enterprise

Custom

from $2,500/mo

  • Unlimited pre-quals, AUS & documents
  • 99.9% uptime SLA
  • White-label & custom domain
  • Custom program guidelines
  • Dedicated Slack channel
  • Live GSE adapter path (DU/LPA) when credentials provisioned
Talk to Us

Why teams switch

What you're stitching together todayTypical costHere
Pricing/eligibility tool, per seat~$79/user/mo + ~$100/mo API add-onIncluded, org-wide flat rate
Pre-qual / affordability calculatorsCustom dev or point toolsOne POST request, 0–100 score
TRID timing + tolerance-cure workflowsCompliance staff time & spreadsheetsAPI-computed, holiday-aware
Lead scoring / routingCRM add-ons, per-seatIncluded, instant 0–100
AUS-style decisioning pre-checkWait for the LOS cycleDU + LPA-style dual verdicts in <100ms

AUS engine runs in transparent guideline-simulation mode; hot-swaps to live GSE APIs when seller credentials are provisioned. Not a substitute for official DU®/LPA® findings.

FAQ

How fast can we integrate?

Most teams ship their first pre-qual flow in under an hour. It's REST + JSON with bearer-key auth — one cURL command to your first result. Full docs live in the dashboard.

Is the guideline data current?

Yes — 2026 loan limits verified against FHFA and HUD announcements (conforming $832,750 baseline; FHA floor $541,287; high-cost ceiling $1,249,125), with program rules maintained per agency guidelines.

What happens if we exceed quota?

You're never hard-cut mid-workflow on paid plans — overage rates apply per unit. Sandbox keys stop at quota.

Can we white-label it?

Enterprise plans include white-label deployment on your domain, your branding, custom program guidelines, and a dedicated support channel.

Where does it run?

Cloudflare's edge network — 300+ locations worldwide, with SQLite-class D1 storage. No servers for you to babysit; no cold starts to slow your borrowers.

Built systems. Better follow-up. More booked calls.

Try the live dashboard with demo keys right now — no signup.