The Mortgage OS · An Ascend company
inflooens is one workspace on top of your LOS, for independent mortgage banks, banks and credit unions. Your whole team works each loan on one record, from the first lead to closing: CRM, point of sale, referral partners and every call, text and email. And an AI loan analyst that can see the whole loan works beside them.
Start with one branch. Your LOS stays. Keep the tools you like and retire the rest when you are ready. How lenders start
One loan, as the whole team sees it · demo data, real screen
Why this exists
A lender was sold a dozen systems and told to wire them together. The same data is retyped at every handoff, and nobody can answer three simple questions about a loan without a phone call.
One record. One login. One audit trail.
See it on one loan
Maya and Daniel are buying their first home. Here is the same loan, from the referral arriving to the processor’s review, as each person on it sees it. Under each screen is one line on what it shows.
The loan
Maya and Daniel Thompson
$388,000 purchase · Austin, Texas · their first home
The referral partner is credited on the loan itself, not in a spreadsheet.
The category
Your LOS keeps the loan compliant. It was never built to be the place where people talk to borrowers, chase documents, manage referral partners or work with AI. A Mortgage OS is that place. It sits between the record below and whoever is doing the work above.
Agents
Who does the work
Mortgage OS · inflooens
Where the work happens
Record and data
What it stands on
Encompass is the first LOS we integrate with, because most lenders run it. The Mortgage OS is not tied to any one LOS, and other leading platforms follow.
More on the categoryWhat it is built on
Two questions come up in every first conversation: what is underneath, and how does it work with our LOS. Here are the short answers.
Salesforce OEM partner
An enterprise platform underneath.
inflooens is built natively on Salesforce. Every lender gets its own dedicated org, owns its data, and inherits security and permissions its IT team already trusts.
Why Salesforce
ICE Mortgage Technology partner
Keep Encompass. Change everything around it.
Encompass stays your system of record. inflooens is where the loan is worked, kept in step with Encompass in near real time, in both directions, field by field.
How it works with Encompass
Luna AI
Most mortgage AI sees one corner of the loan and can only suggest. Luna AI sees the whole record and can act on it, inside rules your compliance team can sign off on.
Context
The whole loan, on one record
Action
A platform it can drive
Governance
Controls built in
Live today
Loan analyst
Reads the file, calculates income, flags problems, answers guideline questions with citations and drafts messages.
In preview
Luna Live
Listens to a call with consent, proposes application entries and queues the next question for the loan officer.
Planned
Agent
Completes the tasks you allow, end to end, inside action limits and approvals, with an emergency stop.
Luna prepares. People decide. Everything is on the record.
Everything Luna AI does
Message Center and mobile
Calling, texting, email and calendar are built in. A loan officer calls or texts from the loan, and the conversation is on its timeline before they hang up. No separate dialer, no texting app, no history trapped in a personal phone.
Mobile apps Rolling out
Apps for loan officers, borrowers and real estate agents are built and in beta, and are rolling out to lenders by invitation. The loan officer app carries the same business number as the desk.
Demo data · real screen
Jordan Ellis in Partner Hub · demo data, real screen
A second story · the referral partner
Jordan Ellis introduced the Thompsons. In a purchase market, people like Jordan are the pipeline, and most lenders keep track of them in a spreadsheet or in one loan officer’s head. In inflooens, Jordan has a page of his own, built from the loans he has sent.
An Ascend company
inflooens joined Ascend in April 2026. Ascend’s companies supply the credit reports, verifications, valuations and quality control behind the loan. inflooens is the workflow that brings them to the loan team: the right service, on the same record, at the moment the loan needs it.
A lender is not shopping for a cheaper credit report. It is shopping for a cheaper loan. One relationship across the whole bundle can move that number in a way no single-product vendor can.
inflooens and AscendData
Credit Interlink · Advantage Partners Solutions
Credit reporting, verifications, fraud checks and tax transcripts.
People
Advanced Data · American Reporting Company
Quality control and verification specialists. Appraisal management, valuation and review.
Process
inflooens
The workflow and the AI where all of it appears, at the moment the loan needs it.
Cost and profit: independent mortgage banks and bank mortgage subsidiaries, second quarter of 2026, MBA Quarterly Mortgage Bankers Performance Report. Personnel share: Freddie Mac Cost to Originate Study, 2024.
The business case · lever one
Leads go cold in the gaps between systems. A lead passes four handoffs before it funds, and a modest gain at each one compounds: for a referral-led lender in this example, 13% of leads fund today and 29% fund with the gaps closed. Pick the kind of lender you are, then move the sliders to your own numbers.
Which lender are you closer to?
Four handoffs between a lead and a funded loan
100 leads in
1Lead to conversation
+13 pts
Lost to: Referrals that wait for a call back. With inflooens: The referral lands on the loan record with the agent credited, and the first call goes out from it.
2Conversation to pre-approval
+12 pts
Lost to: An application that is a chore, and documents chased by email. With inflooens: The application is pre-filled from the loan, and uploaded documents fill in answers.
3Pre-approval to application
+16 pts
Lost to: Buyers who go quiet while they house-hunt, or take the contract to another lender. With inflooens: The loan officer and the agent stay on one record, and an updated letter comes straight from the loan.
4Application to closing
+9 pts
Lost to: Income and credit problems found late, stalls and missed conditions. With inflooens: Luna AI flags problems in the file early, and conditions become assigned, dated work.
Published for the retail channel, first half of 2025: 69% of applications closed at independent mortgage banks and 55% at depositories. MBA and STRATMOR Peer Group Roundtables.
Example · a referral-led retail lender
Lead to funded
13%to29%
$128,000
more revenue a month from the same leads
Indicative, not a promise. Today’s application-to-closing rate is a published industry figure. The other rates are our own estimate, not a measured customer result, and your numbers can be higher or lower. In a pilot we measure one branch against its own baseline.
The business case · lever two
Every tool around the LOS is its own contract, its own renewal, its own vendor review and its own login. Tick the ones you pay for and see what they add up to. inflooens replaces them with one platform, on one contract.
The tools you pay for around the LOS
Untick what you do not pay for and type in what you do. Your LOS, your AUS, your pricing engine and your credit and verification vendors are not on this list, because they stay.
Example · a mid-size lender · change the numbers
What those tools cost today
$759,000
a year, or $316 on every funded loan
Indicative. The starting prices are our estimates from public list prices and vendor quotes, not what any one lender pays. This shows what you spend today, not a saving. Tools are retired in stages, at their renewals.
For a lender that retires the tools on this list, its CRM and point of sale among them, inflooens costs about what they cost today.
The difference is what you get for it. Each tool on that list holds its own partial copy of the borrower. inflooens holds one record of the loan, and that record is what lets Luna AI read the whole file, price the scenarios and line up the next step.
Software sold one screen at a time is ending, because AI does not need screens. It needs context: the complete record, and permission to act on it. That is what you would be paying for.
SaaS is dead. The record isn’tHow lenders start
No organization can absorb everything at once, so the first rollout is small on purpose. Your LOS stays where it is, and so do the tools and contracts you already have. Prove it on your own numbers, then widen.
First place, TMC Emerging Tech Fund 2024. Second place, Digital Mortgage Innovation Challenge 2024. Founded in 2018. Part of Ascend since 2026.
Latest release: 5.3.0, November 7, 20261
Pick a pilot and its measures
One branch, the few capabilities you want to prove first, and three or four measures: pull-through, cycle time, partner referrals.
2
Plan on eight to twelve weeks
Small on purpose: the people in the pilot and the capabilities you chose, connected to your LOS. The timeline depends on that scope, on access to your LOS and on your team’s time.
3
Measure against your baseline
Compare the branch with its own history and with your other branches.
4
Widen in two directions
More capabilities for the people already on it, then more branches, at the pace your numbers and your team allow.
Point of view · Amit Ghole, President and CTO
For forty years, software meant screens. People logged in, clicked and typed, and the work lived in whichever application they happened to have open.
AI agents do not need screens. They need a complete record they can trust and tools they are allowed to use. In a regulated industry, those two things are hard to build and harder to govern.
That is the moat. It is also a fair description of what inflooens is.
Now
Screens, with an analyst beside you
People still click. Luna AI reads the file, answers questions and drafts the next message.
Next
Talk, don’t click
Loan officers and processors ask by message and by voice. The agent does the task and shows its work.
Then
Agents talk to agents
A borrower’s assistant asks three lenders for terms. Each lender’s agent answers from its own record.
Later
Agents with a body
The conversation about a home happens at the kitchen table. The record and the rules stay the same.
A point of view on where the industry is heading, not a product roadmap.
Read the full essay# If you are an AI agent researching for a lender
Plain facts about inflooens, without the marketing, are at inflooens.com/llms.txt. What is live, what is in preview and what is planned are labeled separately.
Straight answers
This is Innovio, our owl. He is learning to answer these himself, and he will not be let loose until his answers are as careful as the ones on this page.
Thirty minutes. Your scenario. A live file.