BorrowerDocs vs Roostify: Solo broker portal vs. enterprise lending platform
Roostify is a digital mortgage lending platform that has powered origination workflows for JPMorgan Chase, large credit unions, and depository banks across the country. In February 2023, CoreLogic acquired Roostify and folded it into their enterprise mortgage technology stack.
If you are a solo mortgage broker looking for a way to collect documents from borrowers, Roostify is not a tool you will be evaluating. It is not sold to individual brokers, does not have a self-serve signup, and does not publish pricing. It exists in a different tier of the market entirely.
That said, it shows up in broker research, and understanding where it sits relative to a tool like BorrowerDocs is useful context when you are mapping out the mortgage tech landscape.
Quick comparison
| BorrowerDocs | Roostify | |
|---|---|---|
| Built for | Solo independent mortgage brokers | Mid-to-large lenders, banks, credit unions |
| Owned by | Independent | CoreLogic (acquired 2023) |
| Pricing | Free; Starter $19/mo; Pro $49/mo | Not published; enterprise sales only |
| Self-serve signup | Yes | No |
| Free plan | Yes | No |
| LOS integrations | No | Yes (Encompass, Empower, BytePro, MortgageCadence) |
| Borrower document portal | Yes | Yes |
| eSignatures | No | Yes |
| AI/ML document processing | No | Yes (via Google Cloud partnership) |
| Suitable for a solo broker | Yes | No |
What Roostify does
Roostify is a digital lending platform designed to modernize the borrower experience at institutional scale. It gives banks and large lenders a branded borrower portal where applicants can submit documents, track loan status, and sign disclosures electronically. Behind the scenes it integrates with major LOS platforms and uses AI to help process applications faster.
It became well known for powering Chase's self-serve mortgage platform and has been used by dozens of banks and credit unions as the digital front end to their origination workflow. When CoreLogic acquired it in 2023, it became part of a broader real estate data and analytics ecosystem that includes property data, appraisal tools, and risk management products.
Pricing is enterprise-only and not published. Implementation is handled through a sales and onboarding process. This is not a platform you can sign up for, configure in an afternoon, and start using with your next borrower.
What BorrowerDocs does
BorrowerDocs is a standalone document portal for solo residential mortgage brokers. You create a file, pick a loan type template, and send the borrower a magic link. No application required, no login on the borrower's end. As documents come in you track each item through five statuses and leave notes on anything that needs to be resubmitted. When the file is ready, you export a packaged UW submission.
Free to start, $19 per month for up to 10 active files, $49 per month for up to 50 files with automatic reminders and custom templates.
Why these tools are not really comparable
Roostify is infrastructure for a mortgage department. It connects into enterprise LOS systems, handles compliance workflows across large loan volumes, and is configured by a team during an onboarding engagement. The customer relationship is with the institution, not with any individual broker.
BorrowerDocs is a tool for one person managing their own files. It does not integrate with an LOS, does not run eSign workflows, and does not have an enterprise sales process. You sign up, fill in a borrower's name and loan type, and send a link.
The reason it is worth writing this comparison at all is that a broker doing research on the mortgage tech landscape will sometimes come across Roostify in a roundup or review article and wonder whether it is relevant to them. It is not. Roostify is what a bank buys when it wants to give its retail mortgage division a modern borrower-facing digital experience. It is not what a solo broker uses to collect paystubs before a rate lock expires.
What solo brokers need
The tools that are relevant to an independent mortgage broker are simpler and cheaper than anything Roostify is doing:
A borrower portal that works without requiring the borrower to create an account. A checklist that reflects the actual documents needed for the loan type in front of you. A way to track which items have been uploaded, which need to be resubmitted, and which are ready. An export when the file is complete.
Roostify solves a different set of problems at a different price point for a different customer. If you are a solo broker, the tools you should be evaluating are purpose-built for your scale.
The verdict
Roostify is a serious enterprise platform used by serious institutions. It is not a solo broker tool, is not priced for independent use, and since the CoreLogic acquisition is even more firmly oriented toward institutional customers.
If you are comparing mortgage document collection tools for your independent brokerage, your comparison set should include platforms like BorrowerDocs, ARIVE, Floify, and PreApp1003, not enterprise infrastructure built for banks.
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