Mortech vs Loan Sifter
Pricing & Eligibility head-to-head · axis by axis, same rubric for both
Zillow Group
Optimal Blue, LLC (Constellation Software)
| Axis | Mortech | Loan Sifter |
|---|---|---|
| Production impact | 3.6 | 3.1 |
| Functionality & depth | 3.3 | 2.8 |
| Integrations & ecosystem | 4.2 | 2.6 |
| Adoption & support | 3.6 | 3.6 |
| Return on spend | 3.6 | 3.8 |
| Overall | 3.6 | 3.0 |
Mortech wins 3 of 5 axes. Same rubric, same weights, no sponsorships.
What the rubric says
Mortech and Loan Sifter are both scored in Pricing & Eligibility. Mortech carries an overall of 3.6, Loan Sifter an overall of 3. The widest gap between them is Integrations and ecosystem, at 1.6 of a point. That axis measures how well it reaches the rest of the stack. Mortech takes it, 4.2 to 2.6.
Where the five axes separate
On Integrations and ecosystem the record favours Mortech, 4.2 against 2.6. On Production impact the record favours Mortech, 3.6 against 3.1. On Functionality and depth the record favours Mortech, 3.3 against 2.8. On Return on spend the record favours Loan Sifter, 3.8 against 3.6. Adoption and support is level at 3.6 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
Mortech 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 Mortech: Cloud, APIs plus LOS, CRM and lead-source connections. Deployment for Loan Sifter: Cloud, browser based with claimed LOS and CRM connections. Segment focus for Mortech: Consumer-direct and retail lenders that quote to leads and rate tables as well as internally. Segment focus for Loan Sifter: Independent mortgage brokers comparing wholesale investor offerings. The two entries name different buyers.
What each record credits
Mortech: Names roughly a dozen LOS partners, including Encompass, BYTE, Calyx, LendingPad and nCino. Mortech: Direct feeds to consumer rate tables: Zillow, LendingTree, Bankrate, NerdWallet and Credit Karma. Mortech: Live MI quotes from Arch MI, Enact, Essent, MGIC, National MI and Radian. Mortech: Zillow Group ownership, with retention analytics drawing on Zillow’s own data. 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
Mortech: Secondary marketing runs lighter than enterprise engines, and hedging is absent. Mortech: No published pricing; product pages route to a phone number and email. Mortech: Investor coverage is stated only as hundreds, with no specific count. Mortech: Little published detail on configuration depth, margin hierarchy, lock policy or best execution. 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 Mortech: A lender whose pricing has to feed rate tables and lead marketplaces, not just the lock. Best fit for Loan Sifter: A small broker shop that needs wholesale rate comparison without an enterprise contract.
What each entry concludes
Mortech: Mortech, a Zillow Group business, is the pricing engine to buy when quotes must travel past the lock. Mortech: Its partner page is the most specific in this batch. Mortech: It names about a dozen LOS partners, including Encompass, BYTE, Calyx, LendingPad, Blend and nCino, plus seven mortgage. Mortech: All six national MI providers appear, with rate table and lead destinations from Zillow and LendingTree to Bankrate. Mortech: That last group is the point, because consumer-direct lending needs one price feeding every surface at once, internal. 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
Mortech finishes ahead on the published rubric, 3.6 to 3. The margin comes mostly from Integrations and ecosystem. 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 →