Mortgage & loan officers

Power dialer for a 3-person mortgage team

Last updated 29 September 2026

Short answer

A 3-person mortgage team on DialSheet pays $87 a month for software ($29 for the first seat and $29 for each of the other 2) plus roughly $67 of usage billed by its own Twilio account — about $154 a month all in, or $1,848 a year, which works out at $0.020 per dial across roughly 7,560 dials a month. The same 3 seats on Dialpad cost about $45 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 3 reps

Software, per month
$87 ($29 + 2 × $29)
Twilio, per month
≈ $67
All-in monthly
≈ $154
All-in yearly
≈ $1,848
Dials per month
7,560
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 3 seats costs elsewhere

List prices as of August 2026 for the tools a small mortgage team actually shortlists. Per-user figures are approximate and several vendors quote rather than publish.

ToolPer user3 seats/moTrade-off
DialSheet$29.00 average$87you connect your own Twilio and pay carrier rates
Dialpad~$15–25/user/mo (annual; $27–35 monthly)$45–$75built 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)$60–$105a business phone system rather than an outbound sales dialer
Myphoner$27–59/seat/mo (Basic/Plus/Premium; currency unstated on the public pricing page)$81–$177the seat price is genuinely low, but Myphoner Voice is billed per minute on top and lower tiers lack voicemail drop, smart caller ID and direct HubSpot/Pipedrive support
JustCall~$29–89/user/mo (annual)$87–$267the 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$90–$150seat minimums apply and the power dialer needs the Professional tier

Against Dialpad at list price, a 3-seat mortgage team on DialSheet Pro saves roughly $-504 a year in software — about 1× the licence cost — before adding your Twilio usage of roughly $804 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.

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.

Create a free accountWatch the setup videos

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