Mortgage & loan officers
Power dialer for a 10-person mortgage team
Last updated 29 September 2026
Short answer
A 10-person mortgage team on DialSheet pays $290 a month for software ($29 for the first seat and $29 for each of the other 9) plus roughly $223 of usage billed by its own Twilio account — about $513 a month all in, or $6,156 a year, which works out at $0.020 per dial across roughly 25,200 dials a month. The same 10 seats on Dialpad cost about $150 a month in licence fees alone, before telephony.
Mortgage originators need speed to lead and a complete call record more than they need dialing volume, because a single application is worth thousands and every conversation may be examined later. DialSheet is free up to 500 leads and $29 a month for the first seat and $29 for each teammate after, records every call into your own Twilio account, and bills talk time at roughly $0.014 a minute. A six-officer team costs $174 a month in software and about $50 in telephony.
The numbers for 10 reps
- Software, per month
- $290 ($29 + 9 × $29)
- Twilio, per month
- ≈ $223
- All-in monthly
- ≈ $513
- All-in yearly
- ≈ $6,156
- Dials per month
- 25,200
- Cost per dial
- $0.020
Assumes 120 dials per rep per working day, a 12% connect rate and 5-minute average conversations over 21 working days — working estimates for loan officers on a power dialer, not a quote. Telephony is billed to your own Twilio account at ~$0.014/min plus ~$1.15/month per number.
Why the usual dialers misprice loan officers
Rate moves make this trade cyclical in a way annual contracts handle badly: a refi wave doubles the desk overnight and a rate spike halves it. Annual per-user commitments are priced for the peak and paid through the trough.
What 10 seats costs elsewhere
List prices as of August 2026 for the tools a growing mortgage team actually shortlists. Per-user figures are approximate and several vendors quote rather than publish.
| Tool | Per user | 10 seats/mo | Trade-off |
|---|---|---|---|
| DialSheet | $29.00 average | $290 | you connect your own Twilio and pay carrier rates |
| Dialpad | ~$15–25/user/mo (annual; $27–35 monthly) | $150–$250 | built as a phone system first — the sales dialer sits in higher tiers |
| RingCentral | ~$20–35/user/mo (RingEX Core/Advanced: $20–25 annual, $30–35 monthly) | $200–$350 | a business phone system rather than an outbound sales dialer |
| JustCall | ~$29–89/user/mo (annual) | $290–$890 | the dialer is gated above the entry plan, every plan carries a two-licence minimum, and outbound minutes are unlimited only inside a fair-use policy that excludes toll-free, premium-rate and international routes |
| Aircall | ~$30–50/user/mo | $300–$500 | seat minimums apply and the power dialer needs the Professional tier |
| CallHub | $0/month (Essential), then ~$0.045/dial pay-as-you-go; Scale is custom volume pricing, $2,500 minimum commitment | $320–$1,420 | no flat per-seat fee, but no bundled minutes either — the whole bill is metered per dial, and Scale-tier volume discounts need a $2,500 committed spend |
Against Dialpad at list price, a 10-seat mortgage team on DialSheet Pro saves roughly $-1,680 a year in software — about 1× the licence cost — before adding your Twilio usage of roughly $2,676 annually.
How loan officers actually run it
The list is trigger leads, past clients and rate-shopper lists; the scoreboard is applications taken. This is the loop between them.
01Call new leads while they are still shopping
Trigger and rate-shopper leads decay in minutes, not days. Import or push leads in through the REST API, then dial straight down the newest-first list — the record, its history and your notes stay on one screen so there is no tab-switching between the LOS and the phone.
02Keep the past-client database warm
Most originators sit on a database they never systematically call. Tag past clients by close date and rate, then filter to everyone above today's rate for a refi campaign — a dialing session built from a filter rather than a fresh list purchase.
03Log every conversation against the file
Notes typed during the call save to the lead automatically, and the recording attaches to the same record. When someone asks in six months what was said about a rate quote, the answer is on the record rather than in memory.
Running 10 loan officers rather than three
At 10 seats the problem stops being cost and starts being visibility. The team leaderboard shows dials, connects, connect rate, conversations and talk time per rep over 7-day, 30-day and custom ranges, and exports to CSV for your own reporting. Each rep can hold a dedicated Twilio number so callbacks reach the person who made the call, and leads are either assigned per rep or worked from a shared pool. On Pro, recorded calls are transcribed and graded against a call script you define, which turns “why is that rep behind” into a per-checkpoint answer instead of a hunch.
Every seat after the first is $29 a month, so growing from 10 to 16 costs $174 more per month — not $90 more, which is what the same six people cost on Dialpad.
Licensed, recorded, examinable
Mortgage origination is a licensed activity and calls made in the course of it can end up in front of a regulator or an auditor. Residential borrower calls sit under the TCPA and the Do Not Call Registry; trigger leads carry their own restrictions; and several states require consent from all parties before recording a call. Recordings live in your own Twilio account, so retention is under your control rather than a vendor's. Verify current federal and state requirements — this is orientation only.
Questions loan officers ask
What does a dialer cost for a small mortgage team?
A six-person team is $174 a month on DialSheet — $29 for the first seat and $29 for each of the other five — plus roughly $50 of Twilio usage at 120 dials per officer per day. On a $99-per-user CRM the same team is $594 a month.
Can we record every call for compliance?
Yes, recording is on by default and the files are stored in your own Twilio account, so you own retention and access. Note that several states require all-party consent before recording — confirm the rules where you originate.
Does it integrate with our LOS?
There is a REST API and an MCP server for pushing leads in and pulling call outcomes back out, plus CSV import and export. There is no pre-built LOS connector, so plan on a small integration or a CSV routine.
Is there a CRM included or do we need a separate one?
A full CRM is included — leads, tags, custom fields, tasks with callback reminders, and a pipeline with stages — at no additional cost. Many originators run it as their calling database alongside the system of record.
Start dialing free
500 leads and 1 seats at no cost, on your own Twilio account. Pro is $29 a month for the first seat and $29 for each teammate when you outgrow it.
Other mortgage team team sizes
- Dialers for mortgage & loan officersthe trade overview, any team size
- mortgage team with 3 reps$87/mo software
- mortgage team with 25 reps$725/mo software
- mortgage team with 50 reps$1450/mo software
Compare against what you use now
- DialSheet vs Dialpad~$15–25/user/mo (annual; $27–35 monthly) · per-seat
- DialSheet vs RingCentral~$20–35/user/mo (RingEX Core/Advanced: $20–25 annual, $30–35 monthly) · per-seat
- DialSheet vs JustCall~$29–89/user/mo (annual) · per-seat
- DialSheet vs Aircall~$30–50/user/mo · per-seat
Similar trades
- Debt settlement & credit repairConsultants calling consumers carrying unsecured debt into enrollment.
- Final expense insuranceAgents calling direct-mail and aged leads to place small whole-life policies.
- Financial advisorsAdvisors prospecting for assets and booking discovery meetings.
- Medicare agentsAgents working Medicare Advantage and supplement leads around the enrollment calendar.
Guides worth reading next
- What a power dialer actually costs2026 price survey across 10+ tools
- Twilio cold calling costthe wholesale maths behind these numbers
- DNC and TCPA basicsthe regime consumer dialing sits under
- AI call scoring and coachinggrading recorded calls against a script
- Warming up a new numberkeeping answer rates up as volume climbs
- Calls per day before spam-likelyhow fast a number burns at team volume