Hey Lucy,
close more loans.

It is a mortgage platform built around AI from day one — not a legacy CRM or LOS with a chatbot bolted on. LoanFlo is the first Native AI mortgage origination platform. Lucy pre-underwrites the file from the guidelines, shows her work in the conversation, flags bad docs, and reaches borrowers and partners from her own phone number and email, with the pipeline, 1003, documents, and outreach in one system.

Lucy pre-underwrites the file so it goes through underwriting easier. She underwrites from Fannie Mae, Freddie Mac, FHA, VA, and your investor overlays, writes the whitepaper in the conversation with the calculation, the source document, and the guideline, and flags bad docs. Underwriting still decides the loan.

Yes. From LOA Starter up, every workspace gets Lucy's own phone number and email. She calls, texts, and emails borrowers, realtors, appraisers, and title with the file in front of her, and they can reach her back the same way.

Yes. On LOA Starter and above, Lucy has her own phone number and email. She calls, texts, and emails borrowers, realtors, appraisers, and title with the file in front of her. You get transcripts, call outcomes, and pipeline updates after each interaction.

Yes. Lucy underwrites the file from Fannie Mae, Freddie Mac, FHA, VA, and any investor overlays you upload. She cites the guideline in the conversation, next to the calculation and the source document, so you can check the work.

Lucy reads mortgage documents like paystubs, W-2s, tax returns, bank statements, and 1003s, including difficult files such as self-employed, K-1, and rental income. She pre-underwrites the file, shows the calculation, the source document, and the guideline in the conversation, and flags bad docs. Custom checklists and conditions go out automatically, and Lucy tracks uploads as they come in.

Yes. Brokers and senior loan officers spend hours helping newer originators qualify the borrower and set the loan up. Lucy does that work with the newer loan officer. She helps them qualify the file and set the loan up, and she shows the work, so the senior is not rebuilding the deal beside them.

Yes. On LOA Starter and above, borrowers and realtors can log in to a secure, branded portal, chat with Lucy, and upload documents to custom conditions. Realtors see every loan they're listed on, so you spend less time playing middleman.

Yes. Lucy places outbound calls, texts, and emails to borrowers and third parties — realtors, appraisers, title companies, and more — to chase status updates and keep files moving.

Yes. On LOA Pro and above, Lucy can generate images and PDF attachments for blast campaigns alongside your message copy, so marketing feels polished without extra design work.

LoanFlo is designed for mortgage workflows with data hosted in SOC 2 Type II & ISO 27001 certified data centers, Bank-Level 256-bit Encryption, and AES-256 Encryption at Rest.

Yes. You can import from Excel/CSV files, most major CRMs, and lead provider exports. Most users are up and running with their full pipeline on day one.

For many teams, yes. LoanFlo is the first Native AI mortgage origination platform — not a traditional CRM with AI added on. Depending on your stack, teams use it as their primary origination workflow hub or alongside an existing LOS while LoanFlo handles pipeline, documents, qualification, outreach, and Lucy automation.

Yes. On LOA Starter and above, use Settings → Integrations for API keys, webhooks, Zapier, and calendar sync. Lucy can call mortgage leads, work the file, then push structured loan data to ARIVE, LendingPad, or any LOS workflow you build in Zapier — or you ask her to Send to LOS.

Lucy is an AI coworker for mortgage — not a chatbot bolted onto a CRM. LoanFlo was built around her. She pre-underwrites the file, shows her work, reaches out from her own phone number and email, and takes the 1003.

Yes. On LOA Starter and above, Lucy takes loan applications across calls, texts, email, widget, and the borrower portal. Digital 1003 intake lands in your pipeline so the file starts moving from first touch.

Yes. Lucy runs scheduled tasks on a clock — same idea as ChatGPT, Grok, or Claude tasks, but inside your mortgage OS. Example: every Monday at 8, send last week's conversation report. Tell her in chat, or set them under Settings → Profile → Routines.

Yes. Owners and admins keep a company fillable-form library. On a loan, ask Lucy to copy the template, fill it from the file, and save a print-ready PDF — 4506-C, submission checklists, internal forms.

Yes. The rules engine runs if/then automations when a loan or contact field changes. Example: status changes to Funded → set Past Client and pull them off the nurture campaign. Owner and admin setup under Settings → Rules Engine, or ask Lucy to build the rule.

Pre-Underwriter and LOA Starter are self-serve — sign up at https://app.loanflo.ai/auth/signup and get started right away. LOA Pro and LOA Enterprise are also available self-serve, or you can book a live demo at https://calendly.com/omar-loanflo/consultation if you want a walkthrough first.

Not at this time. Because Lucy needs phone and email provisioning set up for your workspace, we cannot offer free trials right now. You can review plans and features on this page, or talk to Lucy in the bottom right corner for usage and pricing questions.