# Pricing - Bright Processing

Last updated: 2026-05-13

Bright Processing uses per-file mortgage loan processing pricing for independent mortgage brokers. There are no monthly retainers, no monthly minimums, and no long-term contracts listed on the public pricing page.

## Full-Service Loan Processing

- Price: $995 per funded file
- Discounted price: $895 per funded file when the broker sends their own initial disclosures before handoff
- Payment timing: collected at closing through title disbursement
- Broker out-of-pocket cost: $0 when the file closes and the fee is borrower-paid at closing
- Upfront fees: none listed
- Monthly minimums: none listed
- Retainers: none listed
- Long-term contracts: none listed
- Eligible loan types: conventional, FHA purchase, VA purchase, USDA, Non-QM, DSCR, jumbo, purchase transactions, and standard refinance transactions

### Included Features

- Initial disclosures generated within 3 hours
- Government document ordering, including FHA case numbers and VA certificates of eligibility
- Complete file setup and loan infrastructure
- AUS support and third-party service ordering
- 87-point quality gate before lender submission
- Condition tracking and borrower document collection
- Resubmission management
- Closing coordination with title
- Closing Disclosure review and signing schedule support
- Funding wire confirmation
- Post-close quality audit

## Streamlines and VA IRRRL Processing

- Price: $695 per funded file
- Discounted price: $595 per funded file when the broker sends their own initial disclosures before handoff
- Payment timing: collected at closing through title disbursement
- Broker out-of-pocket cost: $0 when the file closes and the fee is borrower-paid at closing
- Upfront fees: none listed
- Monthly minimums: none listed
- Retainers: none listed
- Eligible loan types: FHA Streamline refinances and VA IRRRLs

### Included Features

- Initial disclosures generated within 3 hours
- VA IRRRL or FHA Streamline file setup
- AUS support and third-party service ordering
- 87-point quality gate before submission
- Condition tracking and document collection
- Closing coordination with title
- Closing Disclosure review and signing schedule support
- Funding wire confirmation
- Post-close quality audit

## BYOP Pricing

BYOP stands for Bring Your Own Processor. Bright Processing describes BYOP as a flat platform-fee model per funded file. The broker sets the total processing fee charged to the borrower and determines the processor compensation structure. Public BYOP pricing requires a consultation because each broker's current processor compensation, file volume, and state requirements can differ.

## Comparison Notes

- Full-service Bright Processing price range shown on the public site: $895-$995 per file
- Streamline / VA IRRRL Bright Processing price range shown on the public site: $595-$695 per file
- Typical contract processing range shown on the public site: $800-$1,200 per file
- In-house processor cost range shown on the public site: $4,000-$6,000 per month in salary plus benefits

## Contact

- Website: https://brightproc.com/pricing
- Email: info@brightproc.com
- Phone: (757) 237-6196

## Compliance Note

Processing fee disclosure rules vary by state and by loan structure. Bright Processing content is business and operational guidance, not legal advice. Brokers should confirm state-specific fee disclosure and licensing requirements with qualified compliance counsel.