How it works
MOS charges per API call — each document submission, condition query, extraction request, or validation check. Three things determine your rate: which workflows you activate, your monthly loan volume, and your SLA tier.
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Workflow mix Loan Setup, Underwriting, and Processing & Closing are priced separately. Activate one workflow or all three — you only pay for what you run. |
API call volume Volume tiers lower your per-call rate as your loan count grows. Most lenders see meaningful discounts within the first contract year. |
SLA tier Standard and enterprise tiers differ in response time guarantees, dedicated support, and uptime commitments. UAT sandbox is included for all partners at no charge. |
Why we don't publish rates
A lender running 500 loans a month through Loan Setup only has a very different cost profile from one running 5,000 loans through all three workflows. A single rate card would overcharge one and undercharge the other.
Our scoping call takes 30 minutes. We map your workflow, size your volume, and send you a concrete number — not a range — within one business day.
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We map your workflow Which documents, conditions, and handoffs are you automating? |
We size your volume Monthly loan count, peak periods, and growth trajectory. |
We send you a number A concrete per-call rate and monthly estimate. Same day. |
Access tiers
All partners start in the UAT sandbox — no charge, no commitment. Production access requires a signed agreement.
UAT Sandbox
Included
No charge during evaluation
- ✓ Full API access — all three workflows
- ✓ OpenAPI spec & Postman collection
- ✓ Sample document library
- ✓ Technical onboarding call
- — No production loan volume
- — No SLA guarantee
Production
Custom
Per-call · Volume tiered · Annual contract
- ✓ Everything in UAT
- ✓ Live loan volume — no cap
- ✓ 99.9% uptime SLA
- ✓ Dedicated implementation support
- ✓ Volume discounts from month 1
- ✓ SOC 2 Type II, MISMO compliance
Common questions
What counts as an API call?
Each workflow endpoint call counts: document submission, condition query, extraction request, validation check, or status poll. Retries on our side due to infrastructure issues are not counted. Webhooks pushed to you are not counted.
Is there a minimum commitment?
Production contracts are annual with a monthly minimum reflecting your committed volume tier. UAT has no minimum — evaluate as long as you need before signing.
Can I add workflows after signing?
Yes. Workflows are added via contract amendment. Most lenders start with one workflow and expand after validating ROI — typically within the first contract year.
How long does the quote process take?
One 30-minute call is usually enough. You'll receive a written quote within one business day. If you need an NDA before the conversation, we can turn that around same day.
Does TRUE offer implementation services?
Yes. Implementation support — including LOS integration guidance, webhook configuration, and go-live testing — is included in production contracts. Extended professional services are available for custom integration work.
Loan Setup & Data Quality
Turn uploads into clean, decision-ready files automatically.
Underwriting Automation
Decision-ready income and asset data without manual calculations.
Processing, Closing & Post-Close
Automate condition matching, closing review, and post-close validation.