Overview

MloFlo brings borrower and referral-partner management together with loan pipeline tracking, marketing automation, compliance workflows, and SMS automation. That scope makes it more than a contact database: it is aimed at teams coordinating loan work and communication with borrowers and realtor partners.

The main qualification is the plan split. Basic includes pre-approvals, loan quoting, borrower and realtor portals, and a mobile-responsive experience, but omits much of the operational toolkit. Teams needing POS, document collection, pipeline visibility, or integrations should assess Pro rather than assume Basic covers a complete loan workflow.

Key features

Loan and borrower workflows

Loan-officer tools include a dashboard, POS, smart document collection, loan quoting, pre-approval generation, pipeline tracking, milestone notifications, referral tracking, SMS/MMS with video, AUS, credit pulls, drip automation, and a smart dialer. In combination, these features cover prospect follow-up through borrower communication and loan progress; the practical value is greatest for teams that will use several of these functions together.

The borrower dashboard shows loan status and milestones, and the portal supports document uploads and disclosure signing. This gives borrowers a self-service view of progress and a place to complete document tasks, while keeping those interactions within the mortgage workflow.

Realtor portal and integrations

The realtor portal includes an open-opportunities dashboard, co-branded digital mortgage app, pre-approval generator, buyer overview, loan milestones, contacts, and partner information. It gives loan teams a dedicated way to share borrower and opportunity context with referral partners rather than relying only on internal CRM views.

MloFlo lists Freddie Mac, Fannie Mae, Zapier, Encompass, Arive, Xactus, Stikkum, Nylas, and LendingPad among its integrations and partners. Lead integrations via API are available on Pro and Enterprise, but not Basic, so teams that need that connection should account for the higher-tier plan.

Security and mobile access

MloFlo says it uses bank-level encryption and role-based access controls to protect borrower data and support audit-ready workflows. Its mobile app is available on Android and iOS, alongside the web product, giving users access across those platforms.

Pricing

The core CRM plans are priced per loan-officer seat, so team cost rises with headcount. There is no free plan. The published starting price is $69.99/user/mo, but the Basic-to-Pro feature gap is material.

Plan	Price	What it includes and who it fits
Basic	$69.99 per month per LO seat, or $62.99 per month per LO seat when billed annually ($755.88 annually)	Pre-approval generator, loan quoting tool, borrower and realtor portals, and mobile-responsive access. It suits teams that need those core customer-facing functions but can work without the excluded operational tools.
Pro	$199.99 per month per LO seat, or $179.99 per month per LO seat when billed annually ($2,159.88 annually); support seats $55 per month	Includes Basic features plus processor portal, POS, smart docs, pipeline and task management, integrations, marketing automation, and smart dialer. This is the more relevant tier for teams managing active loan workflows inside the CRM.
Enterprise	Custom pricing	Includes Pro features and white labeling, with custom options. It is for organizations that need a branded or tailored arrangement and can obtain a custom quote.

Basic excludes the processor portal, POS, smart document upload, pipeline view, task and calendar management, lead and loan milestone tracking, reporting, integrations, drip automation, and smart dialer features shown for Pro and Enterprise. Those are substantial omissions for a team expecting one place to run daily loan operations; Basic is best treated as a narrower starting tier.

Additional fees may apply to marked features. Each voice/SMS/MMS plan carries a $24.95 activation fee for 1–49 users. The separate communication options range from SMS Only at no cost, with activation required, to SMS/MMS at 4.99 USD per month, Rookie Plan at 14.99 USD per month, Pro Plan at 29.99 USD per month, and Expert Plan at 69.99 USD per month. The paid voice plans include 500, 2,500, and unlimited minutes respectively; Rookie and Pro overage is $0.0124/minute. These charges and allowances should be considered alongside the CRM seat price when estimating a team’s total cost.

Platforms

MloFlo runs on the web, Android, and iOS. Its mobile app is available through the Google Play Store and iOS App Store, while the product also supports web access.

Who it's for

MloFlo is a good fit for loan officers, brokers, and mortgage teams that want borrower status, documents, realtor-facing tools, and loan follow-up connected in one system. Pro is the stronger fit when POS, document collection, task and pipeline management, integrations, or automation are central to the team’s process.

It is less compelling for a team that only needs pre-approvals, quoting, and portals but wants to avoid a substantial per-seat commitment, or for one that needs Pro-level workflow features at Basic pricing. The Basic exclusions make that trade-off explicit.

Pros and cons

Pros: Borrower and realtor portals complement loan-officer tools, including status visibility, document handling, co-branded mortgage access, and partner context.
Pros: Pro groups POS, smart docs, pipeline and task management, integrations, marketing automation, and a smart dialer, which can suit teams wanting a broader origination workflow.
Cons: Basic leaves out many core operational features, including POS, pipeline view, document upload, integrations, reporting, and automation.
Cons: Pro costs $199.99 per month per LO seat monthly, before support seats and any additional fees; communication plans can also add activation and usage charges.

Alternatives

Mortgage CRM Software is the broader category to explore when comparing mortgage-focused CRM options.

KudosCRM may suit readers who prefer a freemium CRM with a permanent free plan for up to 3 users, 1,000 contacts, one pipeline, tasks, activities, and one email inbox.

Mortgage Magic is another mortgage option; its Prometheus plan is 85.00 GBP per month and includes AI sourcing, full CRM, and compliance.

Total Expert may be worth comparing for a freemium option whose complimentary plan includes CRM access, inbound co-marketing connections, open-house lead capture, and single-property websites.

Effi is an alternative with a paid Professional plan, no minimum seats, and no lock-in contract; selected AI features and add-ons may include usage-based charges.

Aidium offers a paid CRM with pricing provided through an order.

Broki may suit mortgage teams seeking a per-user plan advertised with unlimited mortgage files, no per-file fees, and no usage caps, at 99.00 CAD per month per user.

Viato is a freemium alternative with a free plan and a Support plan at 49.00 USD per month per LO, plus $29/mo per ops staff.

Jungo is another paid mortgage CRM; its Lite option is 96.00 USD per year per user per month when billed annually, with a minimum one-year annual contract and a $249 one-time setup fee.

Verdict

Choose MloFlo if your mortgage team wants borrower and realtor portals tied to loan workflows, and Pro’s operational features justify its per-seat cost. Look elsewhere if you need those Pro capabilities but cannot support the higher seat price and possible communication fees, or if Basic’s narrower feature set is not enough.

	MloFlo	Mortgage Ready
Free plan		No
Free trial		Yes
Paid from	$4.99/mo	£39/mo
Platforms	Android, iOS, Web	Web
Free plan	No	No
Paid from	69.99 /user/mo
Borrower management	Yes	Yes
Referral partner management	Yes	Yes
Loan pipeline tracking	Yes	Yes
Marketing automation	Yes
Compliance workflows	Yes	Yes
SMS automation	Yes
Mobile app	Yes

MloFlo vs Mortgage Ready

MloFlo

Mortgage Ready