epochos.com

What It Is

EpochOS is an all-in-one business management platform for mortgage brokerages, positioned as “the operating system for modern mortgage brokerages.” Based on the information on its website, it is not a general-purpose CRM or accounting tool. Instead, it is built around the operational workflows of mortgage brokerages, including loan officers, branches, lenders, loan types, commission splits, and revenue recognition.

Core Features

The platform focuses on four main modules: accounting automation, commission management, analytics, and a people/lender directory. On the accounting side, it emphasizes integration with QuickBooks and supports revenue recognition, reconciliation, and revenue tracking by loan officer, branch, or product type. The commission module can automatically calculate commissions based on different loan officer split structures, generate commission reports, and track payment history. The analytics module provides production analysis by loan officer, lender, and loan type, along with forecasting, KPI dashboards, and custom reports. The directory module centralizes team member profiles, credentials, lender product guidelines, and contacts.

Pricing and Trial

Pricing is relatively transparent. The Starter plan is free but is marked as Coming Soon / Join Waitlist, and supports up to 2 loan officers. The Growth plan starts at $249/month; the first 10 closed units are included in the base price, with tiered pricing for additional units. It includes unlimited loan officers, advanced commission calculations, accounting automation, the directory, custom reports, priority live chat support, and LOS/QuickBooks integrations. Enterprise is custom-priced and offers custom commission structures, custom integrations, and development. The website provides a Start Trial entry point, but does not specify the trial length for paid plans.

Pros and Cons

Its main strength is its very clear vertical focus, making it especially suitable for brokerages that still rely on spreadsheets to calculate commissions, reconcile revenue, and analyze business performance. Integrations with QuickBooks and LOS systems can also reduce duplicate data entry. The drawbacks are that the website provides limited information on security and compliance, permission management, deployment options, APIs, and other details typically important in enterprise procurement. Starter is not officially available yet, and the exact boundaries of the Enterprise plan need to be confirmed with sales.

Who It’s For and Access from China

EpochOS is best suited to U.S. mortgage brokerages, growing loan officer teams, and brokerages that need commission automation. For Chinese users, its business model and software ecosystem are highly specific to the U.S. mortgage brokerage market. The website does not disclose supported payment methods or accessibility from mainland China, so its China access status can only be rated as unknown. A local alternative would more likely be a combination of a loan management system, CRM, accounting software, and BI reporting tools.