# inflooens

> inflooens is the Mortgage OS: the mortgage CRM, the borrower point of sale, communications, workflow and an AI loan analyst named Luna AI on one loan record, on top of a lender's loan origination system (LOS). Loan officers, processors, managers, borrowers and referral partners work the same record. inflooens is an Ascend company.

This file is maintained with the site. It repeats what the public pages say and is not a substitute for them. Where the two differ, the pages are right and this file is out of date.

AI agents are welcome here. Every page is also available as Markdown: add `index.md` to the page's URL, or request the page with `Accept: text/markdown`. The whole site in one Markdown file is at https://www.inflooens.com/llms-full.txt.

**Status labels**

Every capability is live today unless it carries one of the other labels. The labels mean the same thing here and on every page.

- Live today: released and in use in production.
- Rolling out: built, in beta or limited release, and being switched on lender by lender.
- In preview: built and shown in demos. Not generally released.
- Planned: on the roadmap. Not available, and no date is promised.

**Key facts**

- Category: Mortgage OS (mortgage operating system). It is the layer where the loan is worked: the people, conversations, documents, tasks and tools around the LOS.
- Relationship to the LOS: inflooens works on top of the LOS. The LOS remains the compliance system of record. inflooens is not an LOS and does not replace one.
- LOS integrations: Encompass by ICE Mortgage Technology is live today, with near-real-time, two-way, field-level sync. A loan is created in Encompass only at a real business event, such as a credit pull, a pre-approval letter or a completed application. Integrations with other leading LOS platforms are planned and follow lender demand.
- What it replaces: the standalone CRM, point of sale (POS), texting and phone tools, marketing automation, partner portals and spreadsheets that surround the LOS. Lenders move over in stages: a pilot runs beside existing tools, and each tool is retired when the lender is ready.
- What stays: the LOS, as the system of record for compliance, disclosures, underwriting and closing.
- Credit: ordered from the loan. Two credit platforms are connected today: Credit Interlink, an Ascend company, and XedaLink (formerly MeridianLink). A lender keeps the credit provider it already uses; more providers are added as lenders bring them.
- Pricing engines: ICE EPPS is live today. Optimal Blue and Polly are built and are switched on lender by lender (rolling out).
- Call recording (rolling out): calls placed from the loan can be recorded. Recordings are stored in an Amazon S3 bucket the lender owns and play back from the loan's timeline.
- Not built today: connections to core banking or online banking systems.
- Loan types: first-mortgage purchase and refinance origination. HELOCs, second liens and other home equity journeys are not supported today.
- Platform: built natively on Salesforce. inflooens has been a Salesforce OEM partner since 2020, so the Salesforce platform is included with inflooens under one contract. Each lender runs in its own dedicated Salesforce org and owns its data. inflooens holds no standing access to it.
- Automated underwriting: Fannie Mae Desktop Underwriter (DU) runs inside the workflow (live today). Freddie Mac Loan Product Advisor (LPA) is built in and is switched on lender by lender (rolling out).
- Who it is for: U.S. mortgage lenders, including independent mortgage banks, banks and credit unions.
- Parent company: Ascend. inflooens was founded in 2018 and has been part of Ascend since April 2026.
- Legal entity and address: Ascend Lending Agent, LLC, 144 Railroad Ave, Suite 218, Edmonds, WA 98020, United States.
- Leadership: Amit Ghole (co-founder, President and CTO), Pallavi Ghole (co-founder, Director, Solution Architecture), Kapil Arora (Director, Technical Architecture), Mardi Clark (VP, Professional Services), Stuart Jones (VP, Head of Sales).
- Recognition: first place, TMC Emerging Tech Fund 2024; second place, National Mortgage News Digital Mortgage Innovation Challenge 2024.
- Data model: the lead is the loan. A loan record starts at the first inquiry and carries through to funding, so there is no separate lead system and nothing is converted or re-keyed. One borrower can have several loans.
- Getting started: lenders start with a small pilot (one branch, a limited set of capabilities) that usually goes live in eight to twelve weeks, depending on scope, access to the LOS and the lender's own team, then add capabilities and branches in stages. Existing tools and contracts stay until the lender is ready.
- Release cadence: inflooens releases weekly. Lenders take upgrades at their own pace.
- Pricing: not published. Pricing is scoped per lender. Contact the team for a quote.

**Products**

- Lending Hub: loan officers, processors and operations on one live loan, with pipeline, tasks, conditions and milestones.
- Borrower Portal (POS): branded application, document upload, disclosure review with signing completed through Encompass, and live status. General-purpose e-signature is not part of the portal. Chat with the loan officer is in preview. Borrower and co-borrower share one file.
- Partner Hub: referral partners, with their referrals, loan status and production. Live today.
- Company Hub: the firm-level view of referring companies and their production. In preview.
- Campaign Studio: campaigns and nurture for leads, past clients and partners, on the same record as the loan.
- Message Center: built-in calling, texting, email and calendar. Every conversation is placed from the loan and logged to its timeline.
- Mobile apps (rolling out): three apps on the same loan record, built and in beta, offered to lenders by invitation. They are not public downloads. The loan officer app puts calling, texting and work email on a company-assigned number, inside the loan, so business is not run from personal phones. The borrower app takes the application by form, by chat or from photographed documents, and shows milestones. The real estate agent app shows referred clients' loan status, takes referrals and delivers pre-approval letters, without exposing Social Security numbers, credit, income or bank details.
- Luna AI: an AI loan analyst inside the loan file.

**Luna AI**

- What it does today (live): reads the whole loan and lays out next steps, calculates qualifying income, flags more than 20 types of issues, answers guideline questions with citations, drafts borrower and partner messages, and coaches on pricing options. Luna AI lines up the next step and a person runs it.
- Approval-likelihood estimate (live): an early read for the loan team on how a file is likely to fare and what is weakening it. It is a planning aid. It is not an underwriting decision and is not used to approve, deny or price a loan.
- Time savings: inflooens estimates more than 30 minutes saved per loan. This is its own estimate, not a measured customer result.
- Guidelines covered: Fannie Mae, Freddie Mac, FHA, VA and USDA, plus the lender's own handbooks.
- Governance: before a model call, borrower names, phone numbers and email addresses are replaced with tokens, and Social Security numbers, dates of birth, account numbers and street addresses are removed. The model still receives the loan's financial details, such as amounts, income and ratios, and may receive document names and statuses, a borrower's age where a rule depends on it, and the names of the loan team and business partners. Luna's service runs on AWS and calls third-party AI models. Real values are restored only inside the lender's own org. Luna AI works within each user's Salesforce permissions. Designated actions need human approval, daily action limits apply, and there is an org-wide emergency stop. Every AI action is logged with its source. An AI outage does not stop lending work.
- Not live: Luna Live (assistance during live calls, with recorded consent) is in preview. Autonomous task execution within lender-set limits and approvals is planned.
- Vendor review: Salesforce's compliance documentation covers the Salesforce platform, not the whole of inflooens. inflooens answers a lender's security questionnaire in writing, including model providers, subprocessors and support access. Send questionnaires to security@inflooens.com.

**Ascend**

Ascend is the parent company of inflooens. Its family of companies provides credit reporting, verifications, valuations, appraisal management and quality control to mortgage lenders. The family includes Credit Interlink (whose platform is named IQ ONE), Advantage Partners Solutions (APS), Advanced Data and American Reporting Company (ARC). inflooens is the workflow layer where these services appear inside the loan.

## Pages

- [Home](https://www.inflooens.com/): what the Mortgage OS is
- [What is a Mortgage OS?](https://www.inflooens.com/mortgage-os/): the category, and how it differs from an LOS, POS and CRM
- [Platform](https://www.inflooens.com/platform/): the platform, product by product
- [Works with Encompass](https://www.inflooens.com/encompass/): how inflooens and Encompass stay in step
- [Built on Salesforce](https://www.inflooens.com/salesforce/): the platform underneath, and where data lives
- [Message Center](https://www.inflooens.com/message-center/): built-in calling, texting, email and calendar
- [Luna AI](https://www.inflooens.com/luna-ai/): the AI loan analyst
- [AI governance](https://www.inflooens.com/ai-governance/): how Luna AI is governed, and the Fannie Mae and Freddie Mac AI governance frameworks lenders now answer to
- [Why mortgage AI needs one record](https://www.inflooens.com/why-luna/): why an AI assistant needs the whole loan
- [Borrower Portal](https://www.inflooens.com/pos/): the borrower application on top of the LOS
- [Partner Hub](https://www.inflooens.com/partner-hub/): referral partner relationships
- [Campaign Studio](https://www.inflooens.com/campaign-studio/): marketing on the loan record
- [Mobile apps](https://www.inflooens.com/mobile/): loan officer, borrower and real estate agent apps; a business phone line inside the loan
- [Capabilities](https://www.inflooens.com/capabilities/): reference list of what the platform does
- [Integrations](https://www.inflooens.com/integrations/): LOS, underwriting, credit and communications
- [Solutions](https://www.inflooens.com/solutions/): by institution and by role
- [For independent mortgage banks](https://www.inflooens.com/solutions/independent-mortgage-banks/): producer productivity, borrower follow-through, referral relationships and cost
- [For banks](https://www.inflooens.com/solutions/banks/): customer experience, oversight, an existing Salesforce strategy and vendor review
- [For credit unions](https://www.inflooens.com/solutions/credit-unions/): member experience, lending-team coordination and technology fit
- [For loan officers](https://www.inflooens.com/solutions/loan-officers/): the book of business, calls and texts, and Luna AI on every file
- [For processors and operations](https://www.inflooens.com/solutions/processors/): documents, conditions and one review recorded in both systems
- [For executives](https://www.inflooens.com/solutions/executives/): pipeline and partner visibility, and how a pilot is measured
- [For CTO, IT and compliance](https://www.inflooens.com/solutions/cto/): the org, access, the LOS connection and AI controls
- [Trust](https://www.inflooens.com/proof/): overview
- [Security](https://www.inflooens.com/proof/security/): where data lives, who can reach it, what an AI model receives and what it does not
- [Architecture](https://www.inflooens.com/proof/architecture/): how the pieces fit, the integration map, and how it is built and tested
- [Reliability](https://www.inflooens.com/proof/reliability/): how LOS sync and integrations are kept reliable
- [Implementation](https://www.inflooens.com/proof/implementation/): the pilot, the usual eight to twelve week timeline, and what happens to existing tools
- [An Ascend company](https://www.inflooens.com/ascend/): inflooens and the Ascend family
- [What's new](https://www.inflooens.com/whats-new/): release notes. inflooens ships weekly; the latest release is 5.3.0 (November 7, 2026)
- [The future of software](https://www.inflooens.com/future/): essay by Amit Ghole, President and CTO, on why point solutions fade and why the record, the access and the rules remain
- [Mortgage CRM](https://www.inflooens.com/crm/): a CRM where the record is the loan
- [Mortgage AI](https://www.inflooens.com/ai/): AI that reads the whole loan
- [POS vs LOS guide](https://www.inflooens.com/guides/pos-vs-los/): how a POS and an LOS differ
- [About](https://www.inflooens.com/about/): why inflooens exists, the leadership team and the Ascend family
- [Contact](https://www.inflooens.com/contact/): request a demo

## Contact

- [Book a demo](https://outlook.office.com/book/inflooens@inflooens.com/): thirty minutes with the team
- [Email](mailto:info@inflooens.com): info@inflooens.com
- [Security reviews](mailto:security@inflooens.com): security@inflooens.com, for vendor questionnaires and security reports
- [Privacy](mailto:privacy@inflooens.com): privacy@inflooens.com
- [LinkedIn](https://www.linkedin.com/company/inflooens): company page