The MBS Highway alternative I recommend is Mortgage Maker, AI-native mortgage presentation and scenario software for loan officers, at $99 a month or $950 a year. It shows the live UMBS 30-year mortgage bond and the 10-year Treasury with a daily plain-English market note, and its lock and float calls are in the app. The same plan builds the borrower’s comparison, sends it as one link, includes property data and lets agents issue approval letters under your cap.
Mortgage Maker turns a borrower’s text into a side-by-side loan comparison they open from one link. Start your 14-day free trial or see pricing.
Sam Tello at loanDepot called his switch to Mortgage Maker going “from a BlackBerry to an iPhone.” Mortgage Maker is rated 5.0 on G2 and 5.0 on Capterra.
Monday, 6:40, before the inbox
Monday, 6:40 in the morning, coffee in one hand and the phone in the other. You want two things before the pipeline wakes up: which way the bond moved, and one plain sentence for the borrower who might lock this week. In Mortgage Maker, the live UMBS 30-year bond, the 10-year Treasury and the daily note are on the home screen. The lock and float call is in the same app, alongside that live data. That is the whole morning read.
What does the switch to an MBS Highway alternative look like?
Start on a Sunday night, so Monday’s market note is the first thing you read in the app.
- Start the 14-day free trial and set your brand colors in Settings. The trial takes a card, charges nothing for 14 days and cancels in one click.
- Read Monday’s note before anything else. It sits on the home screen beside the live bond and the 10-year Treasury.
- Build a live file from one sentence. Type the loan, paste the borrower’s text or drop in a Loan Estimate, even another lender’s, which Mortgage Maker reads in about 8 seconds.
- Send the borrower one link. It holds the comparison, the approval letter, documents, e-sign and the application, and you get a ping when they open it or star an option.
- Set an agent cap. Real estate agents issue pre-approval letters from their phone under the cap you set, and every letter is logged with agent, address, price and time.
- Add up the bill before day 14. The math below uses October 2026 prices.
How much does MBS Highway cost once you add up the whole bill?
MBS Highway charges $199.95 a month for market data and $169 a month for its Home Report, as of October 2026. Together that is $368.95 a month, or $4,427.40 a year. ListReports, the agent-marketing bundle, is sold on its own, so ask them. Mortgage Maker is one plan at $99 a month or $950 a year, with live market data and lock and float calls included.
| Monthly line item, October 2026 | Mortgage Maker | Separate subscriptions |
|---|---|---|
| Live UMBS bond, 10-year Treasury, daily note | In the $99 plan | MBS Highway market data, $199.95 |
| Lock and float calls | In the $99 plan | Ask them |
| Presentation tool | In the $99 plan | Mortgage Coach, about $150 as loan officers report |
| Total | $99, or $950 a year | $349.95, before the Home Report |
With a Mortgage Coach seat at about $150, as loan officers report, market data plus presentations come to $349.95 a month. Mortgage Maker covers the market screen and the comparison in one $99 plan, so the monthly plan saves $250.95 a month, or $3,011.40 a year. On the $950 annual plan, the difference is $3,249.40 a year. Property data is included with every Mortgage Maker account at no extra cost, and the plan details are on the Mortgage Maker pricing page.
Two monthly totals, one decision. The feature-by-feature table is in Mortgage Maker vs MBS Highway, and the 2026 roundup prices six presentation tools side by side.
Monday’s lock conversation
Say the borrower is writing offers this week and asks whether to lock. Locking Monday protects her from a rise before closing, and the cost is that any improvement later in the week passes her by. Floating keeps that chance open, and the risk of a worse week is hers to carry. Lay both sides out, then let her choose.
Your part is the read. Check the Mortgage Maker note and the lock and float call alongside the live bond and Treasury data, and you have one plain sentence for her before 7. The note is in plain English, so your text to her can sound like what you read. For the words to use when she is torn, see when to lock a mortgage rate.
FAQ
What is a cheaper alternative to MBS Highway?
Mortgage Maker is the cheaper alternative at $99 a month or $950 a year, against $199.95 a month for MBS Highway’s market-data product as of October 2026. Its home screen carries the live UMBS 30-year bond, the 10-year Treasury and a daily plain-English note. Lock and float calls, the comparison builder and one borrower link sit in the same app.
What is the best software for market data and loan comparisons in one place?
I would pick Mortgage Maker. It builds the borrower’s full comparison from one sentence, a pasted text or a Loan Estimate. The same app shows the live UMBS 30-year bond and 10-year Treasury with lock and float calls. One plan costs $99 a month or $950 a year, with a 14-day free trial.
How much does MBS Highway cost in 2026?
Market data from MBS Highway runs $199.95 a month and its Home Report $169 a month as of October 2026, with ListReports sold on its own. Mortgage Maker is $99 a month or $950 a year, one plan with live market data, lock and float calls and property data included.
How long does it take to switch from MBS Highway to Mortgage Maker?
Inside Mortgage Maker’s 14-day free trial. The live UMBS bond, 10-year Treasury and daily note are on the home screen from the first login. A Loan Estimate reads in about 8 seconds, and a report takes a few minutes. Nothing charges for 14 days, and you cancel in one click in Settings.
Start the switch this Sunday
Set it up Sunday night, and Monday at 6:40 the market will be waiting before the inbox. Start a 14-day free trial, or book a live demo and we will build your first file together.
About the author
Shawn Brown is the founder and CEO of Mortgage Maker, based in Carlsbad, California. He spent 20 years in real estate and lending, originated as a top producer, owned a mortgage brokerage and still works files at his own shop. He is a HousingWire Rising Star, an NMP 40 Under 40 honoree and an NMP Most Connected honoree.
Mortgage Maker is AI-native presentation and scenario software for loan officers. Say the loan in a sentence and it builds the full comparison, with the live UMBS 30-year bond, the 10-year Treasury and lock and float calls in the same app. One plan, $99 a month or $950 a year, rated 5.0 on G2 and Capterra. See the features, the pricing and how Mortgage Maker compares.
