Total Expert alternatives for lenders that are not a bank.
Total Expert is built for banks, credit unions and lenders with a compliance department. If that is you, buy it. If it is not, here are six mortgage CRMs compared on price, texting, AI calling and LOS integrations, including where we are the wrong pick.
The best Total Expert alternatives are TheBigBot for teams that want every call answered on a flat price, Surefire for Encompass lenders, Salesforce Financial Services Cloud for banks with a Salesforce team, Jungo for lenders who want Salesforce built for mortgage, Shape for native LOS sync, and BNTouch for small teams wanting published pricing.
What are the best Total Expert alternatives?
Six mortgage CRMs, plus Total Expert itself for reference, on the columns that change what you pay and what you still have to buy. Scroll the table sideways on a phone.
| Tool | Best for | Starting price | Pricing model | AI receptionist | Texting | LOS integrations |
|---|---|---|---|---|---|---|
| TheBigBot | Brokerages and teams that want every call answered and every lead followed up | $197 / month, plus $499 one-time setup | Flat monthly; unlimited users; no contract | Yes, answers inbound calls 24/7 | Yes; new leads texted and emailed within 60 seconds | Native with some LOS; others through Zapier, Make or webhooks, confirmed at onboarding |
| Surefire (ICE Mortgage Technology) | Lenders running Encompass who want mature borrower campaigns | Quote-based | Not published | Not listed on vendor site | Yes, part of its text, video and social outreach | Encompass (direct integration; same parent company) |
| Salesforce Financial Services Cloud | Banks with an in-house Salesforce team | $325 per user / month | Per user, billed annually; Agentforce editions $750 per user; Digital Origination from $175,000 per org per year | Not listed on pricing page | Through Digital Engagement, included in the Agentforce 1 Service edition | None named on pricing page |
| Jungo | Lenders who want Salesforce set up for mortgage | $96 per user / month, billed annually | Per user; one-year minimum; $249 setup ($299 for the Bundle) | Not listed on vendor site | Yes, business texting | Encompass, Calyx, LendingPad, Velocity, Byte |
| Shape | Teams that want native LOS sync and built-in calling | $119 per user / month | Per user; Complete tier includes 5 users; Enterprise quoted | AI Calling Bot on the Complete tier; add-on on Core | Yes: SMS, MMS, bulk texting and a two-way inbox | Encompass, LendingPad, Arive, LendingDox |
| BNTouch | Solo LOs and small teams that want published pricing and a digital 1003 | $165 / month solo; $95 per user for teams | Per user; two-user team minimum; one-time activation fee | Not listed; its MAIA voice assistant works for the LO, not for callers | Yes, including bulk texts | Encompass, Calyx, BytePro, LendingPad, Arive, Floify |
| Total Expert (for reference) | Banks, credit unions and lenders with compliance teams | Quote-based | Not published | AI Sales Assistant places outbound voice calls; inbound answering not listed | Yes, AI SMS Assistant | Encompass, Empower (Dark Matter) |
Checked 16 September 2026 on each vendor’s own site: TheBigBot pricing and mortgage page; Surefire product page; Salesforce Financial Services Cloud pricing; Jungo pricing and Jungo LOS sync; Shape pricing tiers, with the $119 figure from Shape’s own blog; BNTouch pricing; Total Expert’s AI Center, Empower integration and Encompass integration. “Not listed” means we could not find it on the vendor’s site, not that it cannot be bought. Usage charges such as carrier SMS fees are not in any starting price. Vendors change packaging often, so get your own quote, and tell us if anything here is wrong.
Which Total Expert alternative is best for you?
Who each one suits, and one honest limitation for each, ours included.
TheBigBot: best for teams that lose leads to unanswered calls
Best for: brokerages and teams that want a website, an AI receptionist answering 24/7 and follow-up within 60 seconds on one flat plan, $197 or $497 a month with unlimited users. Limitation: no bank-grade compliance tooling and no branch-level controls over what each LO sends. If your compliance department reviews software before purchase, we are not the right pick.
Surefire: best for lenders already on Encompass
Best for: lenders inside the ICE ecosystem who want long-running borrower and past-client campaigns fed by Encompass loan data. Limitation: no published price, so you will not know the cost until a sales call, and the vendor page lists no AI calling or call answering.
Salesforce Financial Services Cloud: best for banks with Salesforce admins
Best for: banks and credit unions that already run Salesforce and have people to configure it. Nothing on this list is more flexible. Limitation: $325 per user a month billed annually, $750 for Agentforce editions, and no LOS named on the pricing page. It is a platform you build on, not a mortgage CRM out of the box.
Jungo: best for lenders who want Salesforce made for mortgage
Best for: teams that want Salesforce underneath but mortgage fields, LOS sync and texting on top, from $96 per user a month billed annually. Limitation: a one-year minimum, a $249 to $299 setup fee and per-user pricing, so the bill grows with every hire.
Shape: best for native LOS sync and built-in calling
Best for: small and mid-size teams on Encompass, LendingPad or Arive that want texting, calling and an AI Calling Bot in one CRM, from $119 per user a month. Limitation: the pricing page shows tiers without dollar amounts, so the figure comes from Shape’s blog and you confirm it on a call.
BNTouch: best for small teams that take applications in the CRM
Best for: solo loan officers and teams of two who want published pricing, a digital 1003 and a borrower portal, at $165 solo or $95 per team user. Limitation: per-user pricing with a two-user team minimum and an activation fee, and no AI answering inbound calls.
How much does Total Expert cost?
Total Expert does not publish pricing; it is quote-based. It describes itself as a customer operating system for financial services and sells to mortgage lenders, banks, credit unions and insurers, which is why the price depends on your size, integrations and onboarding scope. Estimates circulate on competitors’ comparison pages, but they disagree with each other by a factor of two or more, so we do not repeat them here. Ask for the implementation fee and the contract term in writing alongside the per-user figure.
What you get for that quote is real. Total Expert lists an AI Sales Assistant that makes outbound voice calls to qualify borrowers, an AI SMS Assistant, bidirectional sync with the Empower LOS, and an Encompass integration. It is built for branch-level reporting, compliance control and consistency across hundreds of loan officers. For that buyer it is a sensible purchase and we are not a serious alternative.
The trade-off is deliberate: individual loan officers have less freedom to build their own workflows, because the point is that the organisation behaves consistently. In a bank that is a feature. In a twelve-person shop where the top producer wants their own follow-up sequence, it is friction.
TheBigBot is $197 or $497 a month, flat, with a $499 setup, unlimited users and no contract. It includes the website, the campaigns and an AI receptionist that answers inbound calls. It does not have bank-grade compliance tooling, and we would not put it in front of a bank. See pricing for what each plan includes.
What Total Expert is genuinely good at.
A comparison where the other tool wins nothing convinces nobody.
Genuinely built for enterprise
Branch reporting, compliance control and consistency across hundreds of loan officers is a real problem, and Total Expert solves it properly
Bank-grade governance
If your IT and compliance teams review software before it is bought, Total Expert is designed to survive that review. We are not
Consistency at scale
Limiting what individual LOs can change is a feature when you have two hundred of them and one brand to protect
Is TheBigBot a good Total Expert alternative?
For some teams, yes. For banks, no. We would rather you pick the right tool than churn in month three.
It is already the right shape for you.
- You have hundreds of loan officers, or a bank’s compliance and IT requirements.
- You need branch-level reporting and organisational control over what each LO can change.
- A five-figure onboarding is normal for how your organisation buys software.
- Consistency across the whole company matters more than individual flexibility.
The CRM is not the thing you are missing.
- You are a brokerage or a team, not a bank, and enterprise onboarding is money you would rather spend on leads.
- You want a price you can read on a page today.
- Your loan officers want to build their own follow-up rather than inherit head office’s.
- You need the website and the phone answered, not only the marketing layer.
How much does TheBigBot cost?
No quote call to find out what it costs. Both plans include all 22 platform features — the difference is how much content and social firepower we produce for you each month.
Authority Launch
Your website, AI receptionist, automations and campaigns built out and switched on.
- 1 complete website — up to 50 pages
- AEO, GEO and SEO ready
- Custom domain, DNS + SSL
- 1 AI Receptionist — 24/7 call answering
- AI website chat widget
- Review harvesting campaign
- A2P SMS submission filed for you
Authority Pro
Everything in Launch, plus a content and social engine publishing under your brand every week.
- 3 SEO blog posts / week (156/year)
- Targeted at what your buyers actually search
- 3 social posts / week, every channel
- Google Business, Facebook, Instagram, LinkedIn