Filum
Pricing

Transparent plans for launching and operating your mortgage company.

See the levels of support, what Filum performs, what you still own, and where pricing begins — without inventing incomplete rates or promising approval.

Build Your Free BlueprintTalk to Filum

Blueprint is Free — the entry and diagnostic layer, not a paid recurring plan. Not sure which path fits? Start there.

Commercial ladder

One path. Different depths of support.

  1. 01

    Blueprint

    Free entry

  2. 02

    Launch Kit

    $599 one-time

  3. 03

    Managed Launch

    $599/month

  4. 04

    Operate

    $799/month

  5. 05

    Correspondent

    Later-stage readiness

Correspondent is readiness and infrastructure support for companies preparing to fund in their own name — not an automatic next step for every owner, and not a guarantee of approval.

Plans

Choose the level of support that matches how you launch.

Blueprint stays free. These are the paid engagement levels — what Filum performs, what you still own, and where pricing begins.

Self-directed

Launch Kit

Best for: Owners who want conditioned materials and a roadmap while carrying execution themselves.

$599one-time

No monthly commitment

Filum delivers

  • Conditioned policy and procedure library
  • Detailed licensing roadmap (requirements, documents, costs, timelines)
  • Coverage for launches of up to three states

You still own

  • File and manage license applications
  • Keep policies current as rules change
  • Handle renewals, notices, and day-to-day questions
  • Select vendors and make final business decisions

Full $599 applies toward Managed Launch at any time. Applies to Managed Launch service fees.

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Managed Launch

Best for: Owners who want Filum to run licensing and compliance foundation standup alongside them.

$599/month · launch year

Then $399/month after launch year

12-month service commitment

Filum delivers

  • License applications managed (up to seven states)
  • Program standup and maintenance
  • Filings, renewals, and notice triage
  • Examination guidance
  • Monthly compliance report
  • Two operator sessions with a principal operator

You still own

  • Provide complete and accurate information on request
  • Sign filings and agreements as the contact of record
  • Maintain required capital and respond to regulator requests
  • Select vendors and make final ownership decisions
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Ongoing

Operate

Best for: Companies that need day-to-day compliance infrastructure and examination readiness.

$799/month

No published minimum term

Filum delivers

  • Expert-backed help desk for the whole team
  • Examiner-grade testing
  • Annual AML independent review
  • Examination and complaint point-of-contact
  • Coverage to eight states
  • Monthly compliance report

You still own

  • Remain the licensee and contact of record
  • Make ownership, capital, and vendor decisions
  • Respond to regulator requests that require the company
  • Keep Filum informed of material operating changes
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Ownership

What Filum does versus what you still own.

Pricing without ownership lanes is incomplete. Depth changes by plan; who remains the licensee does not.

Filum does

  • Organize the launch plan and licensing roadmap
  • Prepare defined policy and compliance artifacts in scope
  • Manage license applications under Managed Launch and Operate
  • Track filings, renewals, notices, and monthly compliance reporting where engaged
  • Facilitate principal-operator sessions included in the engagement

We guide you through

  • Owner-owned technology and vendor selection
  • Capital and footprint decisions
  • Examination preparation depth that matches your engagement level
  • What to bring to legal, tax, or accounting counsel

You provide or complete

  • Complete and accurate company information
  • Signatures on filings and agreements
  • Vendor selection and final business decisions
  • Required capital and responses to regulator requests
  • Contact-of-record responsibilities as the licensee

Third parties or regulators control

  • Review timing and licensing decisions
  • Bond issuance and insurance underwriting
  • Vendor approval
  • Warehouse and investor decisions
  • Correspondent or delegated-authority approval
First-year framing

Illustrative first-year Filum fees.

Filum service fees only — derived from approved rates and term math. Third-party launch expenses are excluded.

Launch Kit

Illustrative first-year Filum fees

$599

  • One-time Launch Kit fee only.
  • No monthly Filum fee under Launch Kit.
  • No separate setup fee beyond the one-time amount.

Managed Launch

Illustrative first-year Filum fees

$7,188

  • $599 per month for the launch year.
  • 12 monthly payments under the 12-month service commitment.
  • No separate setup fee in approved Managed Launch terms.
  • After the launch year, the approved renewal rate is $399/month.
  • Does not include third-party costs.

Operate

Illustrative first-year Filum fees

$9,588

  • $799 per month.
  • Assumes 12 monthly payments for illustration.
  • No minimum term is published in approved Operate terms.
  • No separate setup fee in approved Operate terms.
  • Does not include third-party costs.

Launch Kit upgrade credit

The full Launch Kit amount ($599) applies toward Managed Launch at any time. The credit applies to Managed Launch service fees. This is not a refund. Application is governed by the executed agreement.

Filum fees do not include government, licensing, bond, legal, technology, insurance, vendor, or other third-party costs. Variable economics are estimated. See the Startup Cost Guide and Start a Mortgage Company for third-party cost context.

Later-stage option

Correspondent readiness — when the company is ready to evaluate it.

Correspondent

Best for: Companies preparing to fund in their own name with lender-scale compliance infrastructure.

From $1,799/month

Standup fee $9,995

Starting at · scoped to volume

  • Compliance QC scaled to volume
  • Reporting and fair-lending monitoring
  • Full examination lifecycle management
  • Correspondent-scale operating infrastructure

Readiness and infrastructure support — not a guarantee of warehouse access, investor approval, delegated authority, or correspondent approval. Not an automatic next step for every owner.

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FAQ

Pricing questions, answered plainly.

Is the Blueprint free?

Yes. Blueprint is a free entry point. It clarifies your launch path, open questions, and likely support needs. It does not imply regulatory approval or complete readiness.

What does Launch Kit cost?

Launch Kit is $599 one-time. It is a self-directed materials engagement for owners who can execute significant portions themselves. Filum fees do not include government, licensing, bond, legal, technology, insurance, vendor, or other third-party costs.

What does Managed Launch cost?

Managed Launch is $599/month · launch year. After the launch year, the approved renewal rate is $399/month after launch year. 12-month service commitment. Filum fees do not include government, licensing, bond, legal, technology, insurance, vendor, or other third-party costs.

Is there a setup fee?

Launch Kit is a one-time fee — there is no separate setup fee beyond that amount. Managed Launch and Operate have no separate setup fee in approved public terms. Correspondent includes a standup fee when scoped.

Is there a service commitment?

Managed Launch includes a 12-month service commitment. Blueprint has none. Launch Kit is one-time. Operate has no published minimum term in approved public terms.

Are government and vendor fees included?

No. Filum fees do not include government, licensing, bond, legal, technology, insurance, vendor, or other third-party costs. See the Startup Cost Guide and Start a Mortgage Company page for how to think about those costs separately.

Does Launch Kit credit toward an upgrade?

The full Launch Kit amount ($599) applies toward Managed Launch at any time. The credit applies to Managed Launch service fees. This is not a refund. Terms of application are governed by the executed agreement.

Can Filum guarantee licensing approval or timing?

No. Filum does not guarantee licensing approval, licensing timing, launch date, production, income, or correspondent approval. Regulators and third parties control those outcomes.

Can I start with one plan and move to another?

Yes within the commercial ladder. Blueprint is the free entry. Launch Kit can move into Managed Launch with the approved credit applied. Operate is the ongoing support level after or near launch. The full Launch Kit amount ($599) applies toward Managed Launch at any time. The credit applies to Managed Launch service fees.

What happens after launch?

Most companies continue into Operate ($799/month) for ongoing compliance and operating support. Correspondent readiness is a later-stage option for companies preparing to fund in their own name — not an automatic next step, and not a guarantee of approval.

Service scope is governed by the executed agreement. Filum does not guarantee licensing approval, licensing timing, launch date, production, income, or correspondent approval. Regulators and third parties control review timing, licensing decisions, bond issuance, vendor approval, warehouse decisions, and investor approval. New York company licensing is excluded by design.

Next step

Start with a free Blueprint.

Clarify your launch path and the right level of support before you commit capital or filings.

Build Your Free BlueprintTalk to Filum

Prefer the engagement model first? How You Engage with Filum