Salesforce for mortgage lenders — lead, loan, and comms in one workspace, synced to the LOS you already run.
Loan origination tools around the LOS you already run.
inflooens is the operating layer: Lead → Loan → Communications → Credit → Documents/Conditions → LOS Sync → BI & Campaign Studio. LOS stays system of record. Encompass is live first. Other leading LOS next. No rip-and-replace.
Mortgage OS · Loan Flyouts
The LO flyout. One governed loan file.
Loan Basics, Metrics Overview, and Luna on the same Mortgage OS record — not a book-of-business list, and not borrower POS.
Loan Basics
Metrics Overview
Luna AI on the file
The Closed-Loop Flow
8 stages from Lead Capture to Campaign Studio with bidirectional LOS sync. Encompass is the current integration. Every step unified. Every handoff automated.
Lead Capture
Guided creation, Web-to-Lead, API
Credit & Pricing
Multi-provider orchestration, PPE
Application
Borrower POS, field validation
Loan File
Lead Is Loan, unified data model
Communications
SMS, Email, Phone timeline
Docs & Conditions
PDF Editor, Document AI, PTD/PTA/PTF
LOS Sync
Encompass first — real-time bidirectional
BI & Campaigns
Dashboards, Campaign Studio, Attribution
The inflooens closed-loop: Lead → Loan → Communications → Credit → Documents/Conditions → LOS Sync → BI & Campaign Studio
Luna AI sits at the center—a drawer on the loan, reading from every stage. No API stitching. No data gaps. Just complete context.
Everything you need. Nothing disconnected.
Click any module to learn more about what it does, why it matters, and how it integrates with the rest of the platform.
Module 1: Lead Intake & Assignment
What it does
Guided Lead Creation captures borrower information with field-level validation while Lead Is Loan architecture automatically assigns leads to loan officers based on configurable rules—by source, state, product type, or round-robin pools.
Why it matters
Leads get to the right LO instantly. No manual routing. No missed handoffs. State licensing enforced automatically.
Assignment rules support on-create vs. on-interaction modes, round-robin with capacity awareness, and meaningful interaction detection (inbound SMS, positive call dispositions, workflow object creation).
— Lead Is Loan PRD
Key Features
- Guided Lead Creation with real-time validation
- AssignmentRule__mdt for configurable routing (Source → State → Product → LO/Pool)
- Round-robin assignment with capacity limits
- Meaningful interaction detection (SMS, calls, workflow triggers)
- Opt-out enforcement with 60-second honor window
Module 2: Message Center
What it does
Unified omnichannel communications hub combining phone (WebRTC), SMS (Telnyx), and email (Microsoft Graph, Gmail, Resend) in a single timeline with screen pop automation and loan context widgets.
Why it matters
Every conversation happens in context. No switching apps. No losing history. Compliance built in.
Screen pop automation resolves inbound calls to borrower and loan context in <500ms. Click-to-dial works from any phone field. All communications create audit trail.
— Message Center Architecture PRD
Key Features
- Unified timeline (SMS, email, phone chronologically)
- Screen pop with borrower/loan resolution
- Click-to-dial from any phone field
- Loan context widget (status, rate lock countdown, pending conditions)
- AI smart replies for SMS and email
- TCPA/CAN-SPAM compliance enforcement
Module 3: Credit Pull Orchestration
What it does
Multi-provider credit orchestration supporting Encompass, Meridian Link, and Credit Interlink with four pull modes (Joint, Individual, Individual Co-Borrower, Dual-Individual), sub-10s score delivery, and async liability processing.
Why it matters
Credit scores in under 10 seconds. Liabilities mapped automatically. Bureau freezes detected instantly.
Score delivery < 10 seconds. Liability ingestion < 30 seconds. Intelligent liability resolution uses WHOSE/ECOA/Classification matrix. Bureau freeze detection per-bureau, per-party.
— Credit Pull Capabilities PRD
Key Features
- 4 pull modes (Joint, Individual, Individual Co-Borrower, Dual-Individual)
- Multi-provider abstraction (swap providers without code changes)
- Tri-bureau score extraction with lowest-median calculation
- Bureau freeze detection and flagging
- Trade summaries by liability type
- Upgrade operations (Add/Replace/Remove co-borrower)
Module 4: Documents & Conditions
What it does
Unified workspace for document management and condition tracking with built-in PDF Editor (split, rotate, redact, annotate), Document AI (extraction and validation), and Conditions V2 (PTD/PTA/PTF workflows with integrated communications).
Why it matters
Processors work conditions and documents in one place. AI catches issues. No jumping between systems.
Document AI uses Claude Sonnet 4 for PDFs (native support, no conversion) and GPT-4o-mini Vision for images. Cross-document validation checks income, employer, name, and date consistency across the loan package.
— Document AI Implementation Plan
Key Features
- PDF Editor: Split packets, rotate, redact, annotate, extract pages
- Document AI: 6 document types (Bank Statement, Pay Stub, Tax Return, VOE, Gift Letter, Driver's License)
- Conditions V2: PTD/PTA/PTF workflows with status tracking
- Cross-document validation (income consistency, employment verification)
- Confirm/Reject/Create Condition workflow for AI findings
Module 5: Processor Dashboard V2
What it does
Queue-based workspace for loan processors with configurable views, bulk actions, condition management, and service order tracking—all filterable by status, assigned LO, loan type, and more.
Why it matters
Processors see their queue at a glance. Bulk actions save hours. Nothing falls through the cracks.
Configurable queue views support filtering by status, assigned LO, loan type, and custom criteria. Bulk condition updates process in background with progress notification.
— Processor Dashboard V2 PRD
Key Features
- Configurable queue views by status, LO, loan type
- Bulk condition updates
- Service order tracking
- Activity timeline per loan
- Quick-launch to Document AI and PDF Editor
Module 6: Encompass Sync
What it does
Real-time bidirectional integration with the LOS you already run. Encompass is the current integration — ICE Mortgage Technology — at the field level, with loop prevention, retry/backoff logic, and conflict resolution. Built to add other leading LOS.
Why it matters
Data flows both ways, instantly. No batch jobs. No reconciliation. No "which system is right?"
Loop prevention architecture ensures updates don't echo back. Retry with exponential backoff (1-60s) handles transient failures. Field-level mapping via Integration_mapping_information__c allows per-client customization.
— Encompass Bidirectional Architecture PRD
Key Features
- Real-time bidirectional sync (not batch)
- Field-level mapping governance
- Loop prevention (no echo updates)
- Retry with exponential backoff
- Conflict resolution rules
- Audit trail for all sync operations
Module 7: BI Dashboard Home
What it does
Analytics command center with lead-to-funding conversion funnel, ROI metrics, real-time leaderboards, partner performance tracking, and loan officer production tables.
Why it matters
Executives see the business. Sales managers see performance. Everyone sees what matters.
Two dashboard modes: Production (DTC) for competitive leaderboards and lead ROI, and Relationship (Retail/Referral) for partner performance and referral tracking. Page load < 2 seconds.
— BI Dashboard Home PRD
Key Features
- Lead-to-funding conversion funnel with configurable baseline
- ROI metrics strip (Lead Price → Funded → Revenue → Profit/Loss)
- Real-time leaderboard (Competitive, Goal Progress, Trending modes)
- Partner performance tracking (referrals, conversion rate, response time)
- Loan officer production table with stage groups
What it does
Campaigns that sit on the loan — rate-drop, equity, and realtor — with audience builder, cadence design, SMS and email under one policy. Not a separate marketing stack.
Why it matters
Re-engage nurture leads and past borrowers from the same file as the POS. Compliance built in. Same record as Partner Hub.
Six product examples ship in the studio (Engage New Leads, Rate Drop ARM, Tap Your Equity, Annual Health Check, Cold Lead Rate Refresh, Realtor DSCR). Live reach and ROI are not published.
— Campaign Studio — product examples, not a scoreboard
Key Features
- Audience builder on the loan file
- Rate-drop, equity, and realtor sequences
- Cadence builder (SMS/Email steps, delays)
- SMS and email under one policy
- STOP/HELP and state disclosures
Additional Modules
Partner Hub
Realtor and referral partners next to the loan. Tiers, cadence, Partner Leads kanban. Not a second database.
Product & Pricing Engine
Integrate with PPE vendors (OB, Polly, Lender Price) for real-time rate quotes and product eligibility.
Chatter Collaborate
Loan-centric team communication with AI smart replies, thread summarization, and file attachments.
Mobile Apps
LO mobile app — same loan as the POS. Originate, text, and pull credit without leaving the file.
Platform vs. Point Solutions
Point solutions create data silos. Integrations break. AI agents can't work with fragments. Here's how inflooens compares.
| Capability | inflooens Platform | Point Solutions |
|---|---|---|
| Data Architecture: Single Salesforce data model. One source of truth for leads, loans, communications, documents, and conditions. | 5-8 separate databases. ETL jobs. Manual reconciliation. | |
| AI Effectiveness: Luna sees complete loan context—every communication, every document, every condition. | AI sees fragments. No cross-system context. | |
| LOS Integration: Real-time bidirectional sync at field level. Encompass is the current integration. Loop prevention. Automatic conflict resolution. | Batch sync (hourly/daily). Manual export. Data drift. | |
| Compliance: TCPA, CAN-SPAM, state licensing enforced in one place. Audit trails built in. | Compliance gaps between systems. Manual auditing. | |
| Implementation: Config-driven. 6–8 weeks for the platform. Phased rollout for modules. | 4-12 weeks per tool. Integration complexity compounds. | |
| Vendor Management: One contract. One support team. One roadmap. | Multiple vendors. Finger-pointing on issues. | |
| Total Cost: Talk to us. No public pricing page. No integration-maintenance theater. | Licenses + integration costs + maintenance + reconciliation labor. |
Point solutions are yesterday. AI agents thrive on unified platforms—because they need complete context to be useful.
See Salesforce for mortgage lenders in action.
Talk to us about your lending operation. We'll show you how Luna AI and inflooens can fit your workflow.