- Document Intelligence
- Partner Outreach
- AI Pre-Qualification
- Borrower & Partner Portal
How It Works
Let Lucy do the Chasing
Tell Lucy what you need
Speak or type a plain-English directive — 'Send the Johnsons the doc checklist,' 'Call Gary and get his paystubs,' 'Follow up with the title company on the Smith file.'
Lucy goes to work
She reads your documents, runs income and DTI analysis, coordinates borrowers and realtors in the portal, reaches out to partners, and follows up automatically — working every lead until the goal is met.
You just close
Lucy alerts you when a lead is ready. You step in to close. No more chasing paystubs, no more forgotten follow-ups, no more leads falling through the cracks.
The future of loan origination.
Origination Reimagined.
One platform for your digital assistant, leads, docs, loan apps, and partner workflows.
Not an Assistant — A Co-Worker.
Like a team member who never clocks out. Lucy chases borrowers, realtors, and vendors — and follows up automatically.
Your Documents, Decoded.
AI that reads paystubs, tax returns, and bank statements — and gives you the numbers that matter in seconds.
LoanFlo is the first Native AI Mortgage Origination Platform. Not retrofitted. Not bolted on. Purpose-built.
Features
AI for Mortgage is Finally Here.
Configure Lucy with your templates and guidelines, work every file through origination, and let her chase borrowers — on one native platform.
Native AI Mortgage Platform
Built from the ground up, loan stages, smart lists, MISMO 3.4, and bulk loan, contact, and doc imports — purpose-built for mortgage, not a wrapper or bolted onto a legacy CRM.
AI Voice, SMS, & Email
Lucy calls, texts, and emails — borrowers, realtors, appraisers, and title companies with full context. She follows up until the job is done.
Income & Qualification Intelligence
Lucy reads paystubs, W-2s, bank statements, and 1003s — calculates W-2, self-employed, K-1, and rental income — then answers whether your borrower qualifies in plain English.
Lucy Takes Loan Apps
A new kind of POS. Digital 1003 intake flows straight into your pipeline. Lucy starts the app and keeps the file moving, and your data stays organized from first touch.
Templates & Lucy's Brain
Customize how Lucy thinks and acts with editable templates, 20+ marketing templates, custom HTML emails, and on-brand marketing images and PDFs — flyers, one-pagers, and campaign creative without a design team.
Your Guidelines & Matrices
Built-in agency guidelines plus upload your own investor guidelines, overlays, and rate matrices. Lucy qualifies scenarios against FNMA, FHA, VA, and your shop's rules.
Custom Loan Workflows
Configure loan conditions, checkpoints and milestones, tasks, and expirations per file — so every loan follows your process, not a one-size-fits-all checklist.
Custom Checklists & Intake
Build custom checklists and let Lucy request conditions, chase uploads, and track what's still missing. Borrowers and partners submit via portal, text, or email.
Loan File Prep & Stacking
Upload messy files and Lucy separates, renames, and organizes them. Assemble complete packages in investor stacking order, with bulk upload and download across the loan file.
Custom Website Creation
Launch a modern single-page site for your company or personal brand — polished, mobile-ready, and wired into LoanFlo for lead capture and Lucy-powered intake.
AI Campaign Sequences
Give Lucy a plain-English directive and she runs multi-step voice, SMS, and email follow-up until the goal is done — no manual chasing, no dropped leads.
Borrower & Partner Portal
Borrowers and realtors log in, chat with Lucy, and upload to custom conditions. Realtors see every loan they're on — less chasing, more closing.
Integrations
Calendar integration so Lucy can read your schedule, plus API keys and webhooks to push and pull leads, loan data, and events with the tools you already use.
Website Lead Widget
Drop one embed snippet on any site. Captures leads, kicks off intake, and routes them straight into your pipeline with Lucy on the other end.
Team Seats & Lead Routing
Scale across Pre-Underwriter, LOA Starter, and LOA Pro seats with role controls — plus custom shotgun lead routing for branches and high-volume teams.
Lucy In Action
Just say the word.
Real commands. Real results. No setup, no sequences, no clicking through menus.
“LoanFlo allows us to stop chasing down borrowers and focus on closing. A must have for today’s lending environment!”
📞 Calling Gary Jameson...
✓ Call placed. Follow-up SMS queued for +2 hours if no docs.
I'll notify you the moment documents land.
🔍 Pulling data from your CRM...
✓ Found 31 contacts. Saved as 'Equity Leads' list.
Ready to launch a campaign? Just say the word.
📄 Reading uploaded documents...
✓ DTI: 38.4% · Income verified · No red flags.
Recommended: Conv. 30yr. File looks strong.
📋 Building custom doc checklist...
✓ Checklist sent via portal + SMS. 6 conditions tracked.
Follow-up scheduled for Friday if uploads are incomplete.
Lucy understands context, takes autonomous action, and updates your CRM automatically.
Day One Ready
Bring your entire pipeline.
We handle the rest.
Don't start over. Import your leads, borrower history, and existing pipeline in minutes — then hand it to Lucy.
Book a DemoSecurity
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Pricing
Choose how much work Lucy should take on.
From in-app origination intelligence to full borrower outreach and team-scale automation.
Pre-Underwriter
For LOs who want the full mortgage platform plus Lucy in-app for file work, income, guidelines, and strategy.
Implementation: optional $195 one-time
- Full origination platform, digital 1003, and loan pipeline
- Lucy in-app chat and voice — reads files, runs income, answers guidelines
- AI Document Parsing, renaming, Stacking
- 5M input tokens and 1M output tokens monthly
- 200 GB storage and 10,000 contacts
- Lucy/Email Support Only
LOA Starter
For originators ready to let Lucy contact borrowers, run campaign sequences, and keep follow-up moving at starter volume.
Implementation: optional $295 one-time
- Everything in Pre-Underwriter
- Borrower and partner portal
- Lucy multi-channel calls, texts, and emails plus campaign sequences
- Calendar, API keys, webhooks, and Zapier integrations
- 200 phone minutes, 200 SMS, and 30,000 emails monthly
- 200 GB storage and 50,000 contacts
- Lucy/Email Support Only
LOA Pro
For solo producers who want the full experience, full automation — blasts, website capture, and higher usage pools.
Implementation: $395 one-time (required)
- Everything in LOA Starter
- Blast email and SMS campaigns
- Website lead widget and custom single-page site
- 500 phone minutes, 500 SMS, and 300,000 emails monthly
- 500 GB storage and 500,000 contacts
- 10,000 blast emails per day
- Priority Support
LOA Enterprise
For Organizations that have multiple loan officers and processors, and need flexible seat expansion.
Implementation: $495 one-time (required)
- Everything in LOA Pro at organization scale
- 1 owner/admin LOA Pro seat included
- Add up to 14 more mixed user seats
- 3,000 phone minutes, 3,000 SMS, 1M emails, 1 TB, unlimited contacts
- Custom lead routing available
- Priority Support
More than 15 users? Contact us.
Sign Up NowFor usage and overage limits per plan, please talk to Lucy in the bottom right corner.
Full platform plus Lucy inside the app — no borrower calls, SMS, campaigns, portal, or widget.
Portal, campaign sequences, and multi-channel follow-up at starter volume.
Blast campaigns, website widget, custom site, and higher usage pools.
One included admin seat, then Pre-Underwriter, Starter, or Pro add-ons as needed.
Stack Replacement
What you'd pay to piece this together.
Most LOs are duct-taping a generic CRM, an email platform, and an AI add-on and still don't have a mortgage workflow.
You would be paying upwards of $600 to $850/user/month plus $900/month in platform fees just to maintain a Frankenstein tech stack.
Compare Plans
Every feature, every tier.
See what's included as you move from in-app origination intelligence to full borrower outreach and team-scale automation.
- Native AI platform & loan pipeline
- Built-in property profiles
- MISMO 3.4 import & export
- Proposal & scenario builder
- Smart lists & pipeline management
- Bulk loan, contact & document imports
- Custom conditions, milestones, tasks & expirations
- Document management & custom checklists
- Messy file parsing, rename & stacking order
- In-app Lucy chat & voice
- Reads borrower files & extracts key data
- Income calculations (W-2, self-employed, K-1, rental)
- Guideline qualification (Fannie, Freddie, FHA, VA)
- Plain-English “can they qualify?” answers
- Upload custom guidelines & product matrices
- County & HUD loan limit checks
- Customize Lucy's brain (editable templates)
- Custom marketing images & PDFs
- 20+ marketing templates
- Custom HTML emails
- Borrower & partner portal
- Multi-channel calls, texts & emails
- AI campaign sequences
- Document intake via SMS & email
- Partner linking & outreach
- Lucy requests conditions & chases uploads
- Lucy takes applications
- Call, text, or email Lucy from anywhere
- Calendar integration
- Zapier inbound & outbound
- API keys and webhooks
- Blast email & SMS campaigns
- Custom single-page website
- Website Lucy widget
- Full support (beyond Lucy & email)
- Custom lead routing
- Additional Users with teams/departments
| Feature | Pre-Underwriter $95/mo | LOA Starter $295/mo | LOA Pro $595/mo | LOA Enterprise $995/mo |
|---|---|---|---|---|
| Origination Platform | ||||
| Native AI platform & loan pipeline | ||||
| Built-in property profiles | ||||
| MISMO 3.4 import & export | ||||
| Proposal & scenario builder | ||||
| Smart lists & pipeline management | ||||
| Bulk loan, contact & document imports | ||||
| Custom conditions, milestones, tasks & expirations | ||||
| Document management & custom checklists | ||||
| Messy file parsing, rename & stacking order | ||||
| Lucy Intelligence | ||||
| In-app Lucy chat & voice | ||||
| Reads borrower files & extracts key data | ||||
| Income calculations (W-2, self-employed, K-1, rental) | ||||
| Guideline qualification (Fannie, Freddie, FHA, VA) | ||||
| Plain-English “can they qualify?” answers | ||||
| Upload custom guidelines & product matrices | ||||
| County & HUD loan limit checks | ||||
| Templates & Creative | ||||
| Customize Lucy's brain (editable templates) | ||||
| Custom marketing images & PDFs | ||||
| 20+ marketing templates | ||||
| Custom HTML emails | ||||
| Borrower/Partner Outreach | ||||
| Borrower & partner portal | ||||
| Multi-channel calls, texts & emails | ||||
| AI campaign sequences | ||||
| Document intake via SMS & email | ||||
| Partner linking & outreach | ||||
| Lucy requests conditions & chases uploads | ||||
| Lucy takes applications | ||||
| Call, text, or email Lucy from anywhere | ||||
| Integrations | ||||
| Calendar integration | ||||
| Zapier inbound & outbound | ||||
| API keys and webhooks | ||||
| Marketing & Web | ||||
| Blast email & SMS campaigns | ||||
| Custom single-page website | ||||
| Website Lucy widget | ||||
| Team & Enterprise | ||||
| Full support (beyond Lucy & email) | ||||
| Custom lead routing | ||||
| Additional Users with teams/departments | ||||
For included usage pools and overage rates per plan, talk to Lucy in the bottom right corner.
FAQ
Common questions.
Ready to stop chasing leads?
Book a 30-minute live Consultation. We'll show you what Lucy can do with your actual pipeline — not a canned script.
No credit card. No contracts. Just 30 minutes.