Guideline answers · Comparisons
Comparisons · Guideline AI tools
How does Cal compare to Knowledge Coop's Coop AI?
Coop AI answers FHA, VA, USDA, Fannie Mae and Freddie Mac questions with citations, inside Knowledge Coop's Coop+ subscription at $360 a year. Cal adds wholesale lender guidelines to the agency guides and cites the section on each answer, and the effective date where the source states one, at $99 a month after seven days free.
Checked against the sources below on October 29, 2026. Reviewed by Chris Black, NMLS 275073, on November 2, 2026.
Side by side
| Cal | Knowledge Coop's Coop AI | |
|---|---|---|
| Guidelines covered | Fannie Mae, Freddie Mac, FHA, VA and USDA guides, plus wholesale lender guidelines | FHA, VA, USDA, Fannie Mae and Freddie Mac; a separate Enterprise version covers a company's own guidelines and procedures |
| Lender overlays | Answers from the guideline documents of the wholesale lenders in its library (live count on askcal.io/status) | Not stated on its website |
| Citations | Answers cite the source section; with no source, Cal says so instead of answering | Says answers come with citations directly from the guidelines |
| Effective dates | Shows the effective date; flags a date it cannot source as unconfirmed | Not stated on its website |
| Price | $99 per month for one loan officer | Part of the Coop+ subscription, $360 a year |
| Trial | 7 days free, no credit card | Shows a 'Sign Up for Free' option; trial terms not stated |
| Built for | Independent mortgage loan officers and brokers | Mortgage professionals and loan officers; enterprise teams |
Watch for
- Products and prices change. Check each company's current site before you decide.
- We list only what each company states on its own site. We did not test the other products.
Sources
citations directly from the guidelines
$360 a year
askcal.io, What Cal will not do
It will tell you what the guideline says, which section it came from, and when that section took effect.
No credit card required. Your trial starts at your first verified sign-in.
Your file is never the textbook case. Ask Cal with the borrower's facts and get the agency rule, plus the overlays of the wholesale lenders in Cal's library, each cited to the section.
Try Cal free for 7 days