LoanPASS vs Loan Sifter
Pricing & Eligibility head-to-head · axis by axis, same rubric for both
Pricing & Eligibility
Optimal Blue, LLC (Constellation Software)
| Axis | LoanPASS | Loan Sifter |
|---|---|---|
| Production impact | 3.8 | 3.1 |
| Functionality & depth | 4.0 | 2.8 |
| Integrations & ecosystem | 3.8 | 2.6 |
| Adoption & support | 4.0 | 3.6 |
| Return on spend | 3.8 | 3.8 |
| Overall | 3.9 | 3.0 |
LoanPASS wins 4 of 5 axes. Same rubric, same weights, no sponsorships.
What the rubric says
LoanPASS and Loan Sifter are both scored in Pricing & Eligibility. LoanPASS carries an overall of 3.9, Loan Sifter an overall of 3. The widest gap between them is Functionality and depth, at 1.2 of a point. That axis measures whether it handles the messy loans and not just the clean file. LoanPASS takes it, 4 to 2.8.
Where the five axes separate
On Functionality and depth the record favours LoanPASS, 4 against 2.8. On Integrations and ecosystem the record favours LoanPASS, 3.8 against 2.6. On Production impact the record favours LoanPASS, 3.8 against 3.1. On Adoption and support the record favours LoanPASS, 4 against 3.6. Return on spend is level at 3.8 for both.
In Pricing & Eligibility the rubric weights Functionality and depth heaviest, at 35 percent. That is why the two overalls sit where they do.
How the weights turn axes into a score
Production impact carries 25 percent of the Pricing & Eligibility score. It measures whether the tool moves volume, pull-through or cycle time. Functionality and depth carries 35 percent of the Pricing & Eligibility score. It measures whether it handles the messy loans and not just the clean file. Integrations and ecosystem carries 20 percent of the Pricing & Eligibility score. It measures how well it reaches the rest of the stack. Adoption and support carries 10 percent of the Pricing & Eligibility score. It measures whether the team adopts it and gets unstuck. Return on spend carries 10 percent of the Pricing & Eligibility score. It measures what the spend returns, which is not the same as being cheap.
Pricing posture
LoanPASS does not publish pricing. Its listed model is quote only. Loan Sifter publishes pricing. Its listed model is published subscription, $79 per month base. One of the two can be costed before a sales call, the other cannot.
Deployment and who each one targets
Deployment for LoanPASS: Cloud, API and LOS integrations. Deployment for Loan Sifter: Cloud, browser based with claimed LOS and CRM connections. Segment focus for LoanPASS: Lenders whose product mix runs past agency into non-QM, DSCR and business purpose lending. Segment focus for Loan Sifter: Independent mortgage brokers comparing wholesale investor offerings. The two entries name different buyers.
What each record credits
LoanPASS: Names partners across LOS, CRM, mortgage insurance and GSE connections, not a vague claim. LoanPASS: No-code setup lets lenders add or change products without a vendor ticket. LoanPASS: Quotes all six national MI providers through the PMI Rate Pro module. LoanPASS: Case studies name real lenders, including Acra Lending and Smartfi Home Loans. Loan Sifter: Published base price of $79 per month, almost unique in this category. Loan Sifter: Optimal Blue states access to more than 120 wholesale investors daily. Loan Sifter: Quotes conforming, non-conforming, government, non-QM, home equity and construction. Loan Sifter: Backed by the category’s largest pricing vendor, so investor data upkeep holds.
What each record holds against them
LoanPASS: Ownership and funding are not disclosed on the site. LoanPASS: Uptime and volume figures are vendor-stated, with no outside check. LoanPASS: Case study results are told in words, with almost no hard numbers. LoanPASS: No hedging or trade management, so a secondary desk needs a second vendor. Loan Sifter: Built for brokers; lenders get no lock desk, margin management, best execution or hedging. Loan Sifter: Claims LOS and CRM integration but names no system at all. Loan Sifter: The loansifter.com domain redirects into Optimal Blue with no independent presence. Loan Sifter: The $79 tier covers core pricing only; upper tiers are unpublished.
Which one fits which shop
Best fit for LoanPASS: A lender that launches or amends products often and does not want to wait. on a vendor queue. Best fit for Loan Sifter: A small broker shop that needs wholesale rate comparison without an enterprise contract.
What each entry concludes
LoanPASS: LoanPASS is a no-code pricing engine that leads with non-QM and business purpose products such as DSCR. LoanPASS: Lenders add and change products themselves, with conventional covered alongside. LoanPASS: The partner page is unusually specific, naming Encompass, Byte, nCino, LodaSoft and LendingPad plus all six national mortgage. LoanPASS: The deciding question is how often you launch or amend products, because that freedom is what you pay. LoanPASS: Case studies name Acra Lending, Loanhouse, Smartfi Home Loans and a local bank, with directional rather than audited. Loan Sifter: LoanSifter is Optimal Blue’s broker-facing pricing engine, the rare mortgage product with a price on the page. Loan Sifter: The base subscription costs $79 a month. Loan Sifter: Optimal Blue says it reaches more than 120 wholesale investors daily and serves roughly 6,000 users. Loan Sifter: A broker who wants side-by-side wholesale comparison and no lock desk or hedging buys this without a committee. Loan Sifter: The catch is scope: this is broker quoting and comparison, not the enterprise engine.
The short answer
LoanPASS finishes ahead on the published rubric, 3.9 to 3. The margin comes mostly from Functionality and depth. Same rubric, same weights, no sponsorships.
Both tools are scored on the same weighted rubric, production impact carries the most weight. Comparisons are never sponsored. Disclosure →