For credit unions
The member’s mortgage, on one record your lending team shares.
A member who applies for a mortgage already has a relationship with the credit union, and expects the loan to be part of it. inflooens puts the mortgage CRM, the point of sale members apply through, communications, workflow and Luna AI, an AI loan analyst, on one loan record on top of your LOS. This page covers what that means for members, for the lending team and for your technology staff, with the limits stated.
Four buying questions
The questions a credit union asks
Each card answers one of them with what inflooens does today, and marks what is still in preview.
Member experience
Live todayAn application a member can finish at home
Members start from your branded link, verify with a code sent by email, and can save and come back. A co-borrower is invited or entered alongside. After applying, the member sees status, the next step and open items in one place, in English or Spanish.In previewChat with the loan officer from the Borrower Portal.Lending-team coordination
Live todayLoan officers and processors on the same loan
A task goes to the person who holds that role on the loan. Document requests, conditions and every call, text and email sit on the loan’s timeline, so where a file stands is on the loan itself. Luna AI reads the file and lays out the next steps in order, and a person decides.Institutional relationships
Live todayThe agents and firms that send you members
Partner Hub keeps each real estate agent or other referral partner with an owner, a stage, a timeline and the loans they referred. Referral credit shows on the loan, and the history stays on the credit union’s record.In previewCompany Hub, the firm-level view of brokerages, builders and other partner firms.Technology fit
Live todayOn top of your LOS, with the platform included
inflooens is not an LOS. It syncs with Encompass in near real time, in both directions, at field level. The Salesforce platform comes with inflooens under one contract, and you do not need to be a Salesforce customer. An administrator changes the loan view, templates and letters in the browser, without code.
A first pilot
One lending team, a small scope
Your LOS stays where it is, and the rest of the credit union works as it does today.
1
Choose one lending team
The mortgage loan officers and processors at one branch, or one central team, with their manager. Everyone else works as they do today.2
Set up what members will receive
Your branding and the email and text templates go in before go-live, and your team approves them. Roles and permissions are yours to decide.3
Plan on eight to twelve weeks
The timing depends on scope, LOS access and how much time your own team has. The tools the team uses now keep running beside the pilot.4
Measure against your own history
Three or four measures chosen beforehand, such as applications finished, cycle time and referrals from agents. Widen when those say it is working, and retire a tool at its renewal when you are ready.
Scope and limits
What to check with us
A credit union lends in more ways than inflooens covers today. These are the edges to confirm before a pilot is scoped.
- Your LOSLive today
- Encompass is the first LOS integration and is live. Other LOS platforms are planned and follow lender demand. If the credit union runs a different LOS, tell us before anything else.
- Loan types
- First-mortgage purchase and refinance origination. A home equity journey, including HELOCs and second mortgages, is not available 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.
- Mobile appsRolling out
- Apps for loan officers, members and real estate agents are in beta, by invitation.
- Member chat and Company HubIn preview
- Built and shown in demos, and not generally released. Company Hub is designed around brokerages, builders and other partner firms. If the relationships you mean are of another kind, raise it on the first call.
- Due diligence
- inflooens answers your security questionnaire directly. Salesforce publishes its own compliance documentation, which covers the platform but not the whole of inflooens.
Straight answers
Questions credit unions ask
- Can members apply for a HELOC or a second mortgage through inflooens?
- 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 how much of your lending it represents.
- Our technology team is small. What would they have to run?
- inflooens sets up the org, the products in the pilot, the connection to your LOS and the training, and provides upgrades and support afterwards. Your side names an administrator, decides roles and permissions and authorizes the LOS connection. Day-to-day changes such as the loan view, templates and letters are made by an administrator in the browser, without code.
- Do we need to be a Salesforce customer?
- No. inflooens is built natively on Salesforce and has been an OEM partner since 2020. The Salesforce platform comes with inflooens under one contract. The credit union gets its own org, which it owns, and inflooens holds no standing access to it.
- Can a member sign in with their online banking login?
- Not today. Members reach the Borrower Portal from your branded link and verify with a code sent by email. Connections to a core or digital banking system are not built today and are discussed case by case.
- Does Luna AI deal with our members directly?
- In the application, Luna AI guides a member and fills in answers from the documents they upload, within that member’s own loan. Decisions stay with your staff: Luna prepares, and a person decides. Before a model call, member names and contact details 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 facts.
- What does being an Ascend company mean for a credit union?
- inflooens has been an Ascend company since April 2026. Ascend’s companies supply credit, verifications, quality control and appraisal management. One of them, Advantage Partners Solutions, provides credit reporting and verifications for lenders, banks and credit unions. In inflooens, credit is ordered from the loan through Credit Interlink, another Ascend company, and verifications are ordered the same way.
Talk it through.
Thirty minutes. Your questions first, then your scenario on a live file.