Pricing
Pay when you close.
No per-seat games. No surprise fees. Start free today — no card needed. When billing starts, you'll pay per closed loan.
Starter
For independent brokers running their own pipeline.
$49
- Unlimited loans in flight
- One borrower link — no app, no password
- One review list with keyboard approvals
- Borrower portal with your branding
- GLBA-aligned audit trail
- Email + Slack support
Pro
For multi-broker shops. Up to 10 teammates.
$39
- Everything in Starter
- Up to 10 brokers + processors
- Saved loan templates
- Bulk approve
- Loan-level internal notes
- Daily morning digest email
- Audit log CSV export
- Priority support · same-day response
Enterprise
For brokerages with 10+ users or compliance needs.
Talk to us
- Everything in Pro
- Unlimited teammates
- SSO (SAML/OIDC)
- Custom retention periods, longer than our defaults
- Dedicated CSM + onboarding
- Custom integrations (LOS, CRM)
- SOC 2 Type II report, once issued
- MSA + DPA review
Always included
- Tenant isolation: every lookup scoped to your brokerage
- Field-level AES-256 encryption for SSNs and dates of birth
- Mandatory TOTP MFA
- Per-action audit trail, kept for 7 years under our own security policy
- Borrower data export
- Per-borrower portal tokens
- Borrower message thread
- Document re-upload history
Read the full security overview for how each control is implemented + verified.
Common questions
Why per-loan-closed instead of per-seat?
Mortgage brokerages have wildly different team-to-volume ratios. Per-loan ties cost to value: you only pay when you close. Demo loans, withdrawn loans, and exploratory accounts cost nothing.
Is there a free trial?
Yes — start free, no card required. Billing hasn't started yet; when it does, you'll pay only for loans you close through Cinch.
What happens to my data if I cancel?
Before your plan ends, ask us for a copy of your loan files and audit log and we'll send it. After you cancel, we keep your records for the periods in our retention schedule, then delete them: loan files for 5 years after each loan closes, is withdrawn or is denied (longer where your state requires it), and the audit log for 7 years under our own security policy. Automatic deletion on this schedule is still being built, and will be running before the first record reaches the end of its period. You stay responsible for keeping the records the law requires your brokerage to keep.
Do you support [my LOS / CRM / e-sign tool]?
LOS and CRM integrations are part of Enterprise. Email sales@cinch.app and we'll tell you if yours is already on the roadmap.
Who actually has access to my borrowers' SSNs?
You and the teammates you add. SSNs are stored encrypted and shown masked (last 4 digits); revealing a full SSN is a separate, rate-limited action that's recorded in the audit log. We're moving the encryption keys into AWS KMS, where their use is limited by IAM policy and logged. See the security page for the full story.