LoanCraft review
LoanCraft is a Mortgage AI & Automation product. MortgageTechReview scores LoanCraft 2.9 out of 5.0, ranking LoanCraft #21 of the 33 products tracked in Mortgage AI & Automation Software, as of August 11, 2026. Scores on MortgageTechReview are weighted across five axes and are never paid for or influenced by a vendor relationship.
The income service is why lenders call LoanCraft; the pricing engine along for the ride gets almost no public detail. IncoSure calculates self-employed income and warrants the result. It is an authorized Fannie Mae Income Calculator provider, which the site ties to enhanced rep and warrant relief. A 2021 announcement covered a Freddie Mac collaboration on full-service self-employed income, so both agencies are addressed. The decision is whether someone else should own the self-employed income figure and carry the warranty. Disclosure is the gap: no turnaround time, no per-report price, no named LOS path and no ownership information.
How LoanCraft compares to MOZAIQ
Ranked first in AIMOZAIQ currently scores highest in AI, so every other product in the category is compared against it here. That is a ranking on our published rubric rather than a recommendation, and it changes when the scores change. Category Leader
| Axis | LoanCraft | MOZAIQ |
|---|---|---|
| Production impact | 3.0 | 4.9 |
| Functionality & depth | 2.8 | 4.7 |
| Integrations & ecosystem | 2.5 | 4.4 |
| Adoption & support | 3.1 | 4.2 |
| Return on spend | 3.3 | 4.4 |
| Overall | 2.9 | 4.6 |
LoanCraft wins 0 of 5 axes against MOZAIQ, on the weight profile published for this category. Full head-to-head →
Where it wins
- Authorized Fannie Mae Income Calculator provider, tied to enhanced rep and warrant relief
- A 2021 Freddie Mac collaboration means both agencies are addressed
- Warranted income output moves repurchase exposure on the calculation off the lender
- Operating since 2003; site describes nearly $2 billion originated across 45 states
Where it falls short
- No turnaround time or service level is published, and no per-report price either
- No LOS integration named, so Encompass delivery gets scoped separately
- Pricing engine is unrelated to the income service and barely documented
- Ownership and funding are not disclosed
Why it scores 2.9
Scored on the AI & Automation weight profile. The number shows where it sits in this category. It rests on evidence anyone can check, including the vendor's own record. The weights →
Production impact
40% of scoreSelf-employed income is a narrow bottleneck but a severe one. Handing the calculation to an outside analyst removes it from the underwriter’s queue entirely, rather than merely speeding it up. That is a real capacity gain for a shop with meaningful self-employed volume. A W-2 book gets close to nothing. No turnaround times are published. A buyer cannot tell whether the file comes back in hours or days. That number decides the actual cycle-time effect.
Functionality and depth
15% of scoreThe scope is deliberately narrow. It reads the returns and calculates the income, then warrants the result. Depth within that scope is credible given the Fannie Mae authorization, which is not handed out loosely. This is a service with a thin product surface rather than a platform. A product and pricing engine is also sold alongside.
Integrations and ecosystem
20% of scoreThe agency connections are the ones that matter. Sitting inside the Fannie Mae Income Calculator path counts for more than a generic API would. Against that, no origination system is named. A separate client login portal takes income orders, which means work happens outside your LOS. This measure carries 20 percent of the score, and order-and-retrieve without named LOS delivery is a genuine drag.
Adoption and support
15% of scoreOutsourced calculation is the easiest adoption there is, because nobody learns software. An underwriter uploads a file and receives an answer. The portal workflow adds a step outside the loan file, and processors will notice. Two decades of continuous operation says the service side works. No third-party review coverage exists to confirm support quality.
Return on spend
10% of scorePer-file pricing means no license to amortize and no implementation project to fund. That makes this one of the easier things in the category to trial. The warranty carries real economic value if it removes even occasional repurchase exposure on income. The unknown is unit price. At high self-employed volume, a per-report fee quietly exceeds the cost of the analyst it replaced.
On price. Quote only. No per-report rate is published, and no volume tier or minimum commitment either. Ask for the price at your actual monthly self-employed count. Ask for the precise wording of what the warranty covers, since the service’s whole value sits in that wording.
