Top 6 1098 Software for Mortgage Interest Reporting 2026

Using a trusted and efficient 1098 software that handles all 1098 reporting is paramount, especially when you are juggling multiple 1098 (mortgage interest), 1098-E (student loan interest), and 1098-T (tuition) forms.

In this handy guide, we compare the seven best 1098 e-file tools. You can pick one that aligns with your tax needs. Here’s what we evaluated them on:

• Form Coverage: Support for all 1098 forms and variants.
• IRS Transmission: Direct IRS FIRE system filing with validation and Combined Federal/State Filing (CF/SF) capability.
• TIN Validation and Address Verification: Real-time IRS TIN matching and USPS address validation
• Data Integration: CSV/Excel imports, SFTP, REST/SOAP APIs, and accounting platform integrations.
• Recipient Delivery: E-delivery portals with consent management, downloadable PDFs, and optional print-and-mail with tracking.
• Security: SOC 2 Type II compliance, role-based access, multi-factor authentication, and audit trails.
• Scalability: Performance across low-volume and enterprise-level filing needs.
• Pricing and Support: Transparent pricing models, volume discounts, and quality customer assistance.

Top 6 1098 Software Solutions For Reporting Mortgage Interest

1. Tax1099

Tax1099 is an award-winning e-filing platform by Zenwork. It is an all-in-one platform that helps you e-file 40+ forms including 1098 and variants, recipient copy delivery, corrections, and more.

Key Features:

• Bulk imports via CSV/Excel, SFTP, and REST API
• TIN/name and USPS address validations
• Recipient e-delivery portal and optional print-and-mail
• Role-based access, MFA, audit logs, and multi-EIN dashboard
• 24/7 AI Chat Assistance (Zenwork AI Tax Assist) to guide users

Best for:

Mortgage servicers, lenders, schools, and loan holders who want automation, accuracy, and integration.

Pros:

• Scales seamlessly from a few forms to enterprise-level volumes
• Strong automation and integration features
• Handles end-to-end filing, from data import to delivery and corrections.

Cons:

• May require initial configuration and set up.

Pricing:

• 1000+ forms: Custom pricing
• 501 to 1000 forms: $0.68 each
• 151 to 500 forms: $1.31 per form
• 21 to 150 forms: $2.30 per form
• First 20 forms: $2.99 per form
• Subscription plans: Essential (pay-as-you-go), Teams ($249/year), and Scale ($349/year)

2. Avalara 1099 & W9

Avalara 1099 & W-9 is a cloud-based e-filing product that helps businesses meet IRS requirements and ensures 1098 compliance. With this software, businesses can easily collect information, validate data, and deliver recipient copies.

Key Features:

• Optional USPS mail; API for uploads and status
• Integrations with QuickBooks, Xero, etc.
• Team permission, 2FA/SSO, multi-year archives
• Scheduled reminders and status alerts
• Access to their Knowledge Center

Best For:

Finance teams already using Avalara’s ecosystem

Pros:

• Automation to reduce manual data entry and repetitive tasks.
• Perfect for teams already using Avalara products.

Cons:

• Pricing can be a bit steeper for low volume filings.
• Lack of detailed validation prompts
• API endpoints for advanced corrections are narrow compared to enterprise-focused tools.

Pricing:

• $0.63 per form: 501 forms+
• $1.30 per form: 166 to 500 forms
• $2.30 per form: 16 to 165 forms
• $3.10 per form: 1 to 15 forms
• Additional services like state e-filing, TIN matching, etc., may cost extra

3. TaxBandits

TaxBandits is a comprehensive e-filing platform that supports a wide range of federal and state forms including 1098 and variants. It is a user-friendly platform that allows users to seamlessly e-file IRS and state information returns securely and accurately.

Key Features:

• Multi-client dashboard with role-based access
• Imports via CSV, QuickBooks, SFTP, or API
• Print-and-mail add-ons, recipient portal, audit trails
• White labelling
• Webhook for status updates
• Dedicated support team for assistance

Best For:

Accounting firms and payroll providers juggling multiple entities.

Pros:

• Great for firms handling recurring filing seasons
• Realiable and robust recipients copy delivery options
• White labeling to give recipients a branded experience

Cons:

• Interface can overwhelm new filers
• Add-ons like mailing and branding can increase total cost
• Fewer plug-and-play accounting integrations

Pricing:

• Custom pricing: 1000+ forms
• $0.80: 501 to 1000 forms
• $1.00: 251 to 500 forms
• $1.15: 101 to 250 forms
• $1.75: 11 to 100 forms
• $2.75: 1 to 10 forms

4. Yearli by Greatland

Yearli by Greatland is a complete federal, state, and recipient 1098 filing program. It has a simple interface that lets you seamlessly enter or import your data and file to the federal government and applicable state agencies in just three simple steps.

Key Features:

• Mailing and archival services
• Easy CSV and accounting imports
• Same-day USPS for cutoffs
• Address validation and bulk recipient management
• Optional TIN matching
• Offers online chat, email, and phone support

Best For:

Businesses seeking tiered plans and reliable print-and-mail services.

Pros:

• Clear and simple filing workflow
• Tiered pricing system designed for growing businesses

Cons:

• Few1098 features are only available for higher tiers.
• Developer tools and API are less powerful compared to other similar tools.
• Enterprise controls like granular approvals need custom setups.

Pricing:

• Core Pricing: Free Annual Subscription + Filing Fees
• Performance Pricing: $129 Annual Subscription + Filing Fees
• Premier Pricing: $799 Annual Subscription + Filing Fees
• Custom plans are also available

5. 1099 Pro

1099 Pro, powered by Sovos, is another 1098 software solution that offers a secure and scalable solution to automate 1098 filing. It helps you maintain compliance with federal and state reporting requirements.

Key Features:

• Desktop or cloud deployment; Service Bureau outsourcing
• Bulk uploads with REST/SOAP APIs
• Strong validation, granular permissions, SSO/SAML, and approval routing.
• Supports on-prem databases like SQL Server
• Support options vary by Cloud or Desktop version.

Best For:

High-volume enterprises seeking governance, APIs, or outsourcing options.

Pros:

• Enterprise-grade controls and options to outsource big tasks.
• Best for stringent IT or security needs.

Cons:

• Cost can be higher compared to cloud-native tools.
• Longer setup and administration, plus ongoing IT overhead.
• Windows-focused desktop workflows can slow down distributed teams.

Pricing:

• E-file only: Starting at $499/Year
• E-file + Print & Mail: Starting at $684/Year
• E-File, Print & Mail + eDelivery: Starting at $714/Year

6. Aatrix

Aatrix is an innovative payroll solutions provider that also helps you e-file 1098 forms. With this software, businesses can e-file 1098 and variants using data from any payroll or HR software.

Key Features:

• Hybrid setup for offline work with secure cloud sync
• Forms library includes the 1098 series, 1099s, and state withholding forms
• In-app checks for missing fields and duplicates
• Batch print options and basic recipient e-delivery
• Offers phone, email, and live chat support (Monday to Friday 8AM-5PM CDT)

Best for:

Mid-sized filers who want hybrid (desktop + cloud) flexibility.

Pros:

• Good offline capability with unlimited desktop seats.
• Perfect for teams used to desktop form software.
• Covers a wide range of forms.

Cons:

• Requires desktop installation and constant updates.
• Limited multi-entity dashboards and advanced user permissions.

Pricing:

• Complete 1098e-file service (mail + online + federal + state): $2.79 per recipient
• Federal Only service: $0.55 per recipient

Choosing the Right 1098 Software

Volume and Complexity

• For low volume and simple needs, choose lighter, pay-as-you-go tools.
• For high volume, multiple EINs, or mix of 1098/1098-E/1098-T, platforms with APIs, bulk imports, and robust validations (e.g., Tax1099, 1099 Pro) are good options.

Form Coverage (1098, 1098-E, 1098-T)

• Confirm each variant and correction support.
• Check Combined Federal/State participation and any state-specific needs.

Data Intake and Automation

• CSV/Excel mapping, SFTP pickups, and REST APIs cut manual effort.
• Prefer systems with TIN and address checks to reduce rejections and penalties.

Recipient Experience

• Look for e-consent, secure portal access, downloadable PDFs, and optional print-and-mail.

Controls and Security

• Role-based access, MFA/SSO, audit trails, and archives aid internal reviews and audits.

Support and Budget

• Compare per-form versus subscription pricing. Also, evaluate live support, onboarding, and documentation help.

FAQs

1. Does Tax1099 support 1098 filing for multiple EINs?

Absolutely! A single dashboard manages multiple EINs and entities.

2. What kind of automations matter most for 1098 filing?

CSVSFTP/API imports, checks for TIN/address, schema checks, and clear correction workflows. These cut down effort and rejections.

3. How are recipient copies handled?

Most tools offer a secure portal with e-delivery, downloadable PDFs, and optional print-and-mail with tracking.

4. Can I file 1098 forms and other returns in the same system?

Yes. Many tools support 1098 alongside 1099s, W-2, and 1042-S, making consolidated reporting easy.

5. Does IRS authorization mean a platform is endorsed?

No. Authorization only shows its technical transmission capability. It’s not a commercial endorsement.

Conclusion

Basically, picking the right 1098 software depends on your:

• Filing volume
• Number of entities
• Automation needs

Small and mid-sized filers wanting enterprise-level control without the hassle, Tax1099 is a good option as it offers:

• Robust validations
• Flexible imports (CSV/SFTP/API)
• Streamlined recipient delivery

What about competitors like Track1099 and TaxBandits? These fit teams tied to their ecosystems, while 1099 Pro and Aatrix are suitable for organizations needing governance or offline options.

The bottom line: Choose the right software that validates early, spots errors clearly, and simplifies corrections.

No more dread of 1098 filings! Tax1099 e-files and delivers recipient copies seamlessly without enterprise-level complexity.

Start e-filing