For banks
Mortgage is one line of business. The bank’s standards apply to all of it.
inflooens puts the mortgage CRM, the point of sale customers apply through, communications, workflow and Luna AI, an AI loan analyst, on one loan record on top of your LOS. A bank’s mortgage leaders choose it with customer experience, operations, the Salesforce owners and vendor management in the room. This page takes their questions in turn, including what inflooens does not do today.
Four buying questions
The questions a bank asks
One from each group that has a say. Each card states what is true today.
Mortgage customer experience
Live todayOne portal under the bank’s brand
A customer applies from the bank’s branded link, saves and returns, and connects a bank or payroll account or uploads documents that are read to fill in answers. The Loan Estimate is reviewed in the same portal. Afterwards the customer sees status, the next step and open items, in English or Spanish.In previewChat from the Borrower Portal.Operational oversight
Live todayWhere each loan stands, and who has it
Operations pipelines show each loan’s processor, milestone, time in stage and open items. A loan that sits too long in a stage is flagged. Compliance administrators receive critical disclosure alerts that cannot be muted. What staff do and what Luna AI does are logged on the loan in the same way.Existing Salesforce strategy
The same platform, in its own org
inflooens is built natively on Salesforce and has been an OEM partner since 2020. The mortgage business gets its own org, which the bank owns, and the platform comes with inflooens under one contract. It is the platform your administrators and security team already know. How this org relates to the one the bank already runs is worked out in the architecture review.Vendor review
Your questionnaire, answered directly
inflooens answers the bank’s security questionnaire itself. Salesforce publishes its own compliance documentation, which covers the platform but not the whole of inflooens. The bank’s administrators set who sees what, and inflooens holds no standing access to the org.
A first pilot
One mortgage team, with the reviews alongside
The rest of the bank’s lending carries on as it does today, on the tools it has.
1
Choose one mortgage team
One market or one team of mortgage loan officers, the processors on their files and their manager. The bank names an executive sponsor and a project owner.2
Run the reviews alongside
Vendor management and information security work through the questionnaire while the pilot is scoped. The architecture review covers how the new org sits beside the systems the bank already runs.3
Plan on eight to twelve weeks
The timing depends on scope, LOS access and the bank’s own team, including the pace of its reviews. Existing tools keep running beside the pilot.4
Measure, then decide
Three or four measures agreed beforehand, such as application completion, cycle time and loans flagged for sitting in a stage. The team is compared with its own history. Tools are retired at renewal, when the bank is ready.
Scope and limits
What to check with us
A bank’s review will find these in any case. It is quicker to start with them.
- LOS supportLive today
- Encompass is the first LOS integration and is live, with near real time, two-way, field-level sync. Other LOS platforms are planned and follow lender demand. inflooens is not an LOS.
- Loan types
- First-mortgage purchase and refinance origination. HELOCs, second liens and home equity loans are not supported journeys today.
- Core and digital banking
- Connections to a core or digital banking system are not built today. They are discussed case by case.
- Freddie Mac LPARolling out
- Fannie Mae DU is live. Freddie Mac LPA is switched on lender by lender.
- Portal chat, Company Hub and Luna LiveIn preview
- Built and shown in demos, and not generally released. Leave them out of a pilot’s scope until they are.
- Luna AI working on its ownPlanned
- Today Luna prepares and a person decides. Autonomous work on tasks a lender allows is planned.
- What a vendor review will cover
- Where data lives, who can reach it, and what Luna AI’s AI service receives. Luna runs as a separate service on AWS and is sent redacted data. inflooens’s own controls are answered through your questionnaire.
Straight answers
Questions banks ask
- The bank already runs Salesforce. How does inflooens relate to that org?
- inflooens is delivered in its own Salesforce org, provisioned for the bank’s mortgage business and owned by the bank. It is the same platform your administrators and security team already know. How the two orgs relate is worked out in the architecture review, with your Salesforce owners in the room.
- What will our vendor review receive from inflooens?
- Answers to your security questionnaire, written by inflooens directly. Salesforce publishes its own compliance documentation, which covers the platform but not the whole of inflooens, so the questionnaire is where inflooens’s own controls are covered.
- Does inflooens handle HELOCs and home equity loans?
- Not today. inflooens today covers first-mortgage purchase and refinance origination. A home equity journey is not available today. A HELOC journey has no date and would follow lender demand, so tell us if it matters to the bank’s plans.
- Does it connect to our core or online banking system?
- Connections to a core or digital banking system are not built today, and are discussed case by case. The integration that is live is with the LOS: Encompass, with near real time, two-way, field-level sync.
- Who can see a customer’s loan, inside the bank and at inflooens?
- Inside the bank, your administrators set roles and permissions in the org, and Luna AI works within the access of the person using it. inflooens holds no standing access to the bank’s org.
- What does the AI model receive about our customers?
- Before a request leaves the bank’s own org, customer names and contact details are replaced with tokens. Social Security numbers, dates of birth, account numbers and street addresses are removed. The model still receives the loan’s financial facts. Luna prepares, and a person decides.
Talk it through.
Thirty minutes. Your questions first, then your scenario on a live file.