Close More Loans.
Faster. Smarter.
Loan Certifier is the all-in-one mortgage platform unifying your pipeline, CRM, AI, scheduling, communications, compensation, and browser-cast Production Boards in one intelligent workspace.
From Setup to Closing — In Four Steps
We built Loan Certifier so your team can be productive from day one, not day ninety.
The Loan Certifier Way
From first contact to closing day —
every step handled intelligently.
Connect & Configure
Onboard in minutes. Invite your team, configure your pipeline stages, connect your Google account and Twilio number, and set up your custom lender library. Guided setup gets you live the same day.
- Team invitations & role assignments
- Google Calendar & Gmail integration
- Smart Number provisioning
- Lender & program library import
Collect & Parse Documents
Borrowers upload via secure portal or mobile link. Vision AI automatically classifies, extracts, and splits multi-page packages into verified conditions with full audit validation.
- Zero-friction borrower upload portals
- Automated smart PDF splitting & extraction
- Income & liability verification against 1003
- Auto-recovery for damaged or unreadable scans
Accelerate with AI Copilot
Your AI Assistant engages leads instantly via SMS, tracks outstanding conditions, drafts compliant Letters of Explanation, and alerts processors before deadlines are missed.
- 24/7 lead booking & instant SMS outreach
- Automated condition tracking & LOE drafting
- Smart follow-ups respecting quiet hours
- Instant MISMO & AUS discrepancy checks
Certify & Close
With every tool unified and AI handling repetitive tasks, your team focuses on closing deals faster. Clear audit trails and real-time dashboards keep all stakeholders aligned.
- Real-time pipeline & closing dashboards
- One-click commission & compensation tracking
- Partner co-marketing & flyer generators
- Comprehensive compliance & audit ledger
One Platform. Every Tool.
We didn't just build loan software — we built the operating system for the modern mortgage team.
Every Condition. Every Loan. Zero Slippage.
Loan Certifier's AI engine tracks every open condition across your entire pipeline simultaneously. When a new condition is issued, AI matches it against historical patterns, suggests documentation, and can generate a Letter of Explanation in seconds — reducing condition resolution time by up to 10x.
- Auto-generated LOE from borrower facts
- Duplicate condition detection & merging
- Pattern-based condition prediction
- Lender-specific condition logic library
Large Deposit Explanation
Employment Gap (2023)
Credit Inquiry (Nov 2024)
Your Relationships. Automated.
The Loan Certifier CRM is built specifically for mortgage. Track every contact, automate touchpoints for birthdays and closings, run drip campaigns to referral partners, and let the Growth Suite keep your pipeline full without lifting a finger.
- Auto birthday & anniversary messages
- Post-close follow-up sequences
- Referral partner campaign management
- Lead-to-borrower lifecycle tracking
Sarah Rodriguez
🎂 Birthday today
Mike Johnson
📧 Campaign email opened
Amy Chen
🏠 1yr Anniversary
David Lee
📅 Consultation booked
Every Call. Every Text. Fully Managed.
Smart Numbers gives each loan officer a dedicated business phone number with intelligent call routing, SMS two-way messaging, voicemail transcription, and call recording. Every conversation is logged to the borrower's file automatically.
- Dedicated numbers per LO or company
- Multi-step call routing with whisper
- Auto-log SMS to borrower files
- Voicemail transcription via AI
Call Routing Steps
Ring LO Cell
+1 (305) 555-0101
Ring Office Line
+1 (305) 555-0200
Voicemail + AI Transcription
Auto-logged to CRM
Recent texts
360° Pipeline Vision.
Every loan, every stage, in one unified view. Loan Certifier gives you real-time visibility into your entire pipeline with AI-powered probability scoring, intelligent alerts, and actionable insights to keep deals moving forward.
- Real-time loan status tracking
- AI probability scoring per file
- Milestone-based pipeline analytics
- Automated alerts on stalled loans
And So Much More
Every feature your team needs, built-in and ready to go.
AI Loan Certification
Intelligent condition tracking, pattern recognition, and LOE auto-generation that gets smarter with every loan.
Pipeline Management
360° real-time view of every loan with smart alerts, milestone tracking, and AI-powered probability scoring.
Cielo™ AI Lead Agent
24/7 AI texting agent that answers leads instantly, qualifies them, and books appointments.
CRM Suite
Full CRM with contact management, communication logs, hashtag tagging, referral tracking, and relationship intelligence.
Growth Suite™
Automated birthday/anniversary emails, post-close messaging, holiday campaigns, and referral partner marketing.
Smart Scheduling
Embeddable booking pages, Google Calendar sync, availability management, and automated confirmation flows.
Document Intelligence
AI document parsing, condition-to-document linking, Google Drive archiving, and borrower-facing upload portals.
Smart Numbers
Dedicated SMS/voice numbers with call routing, ring plans, transcription, and recording.
Social Suite
AI-generated social posts scheduled to LinkedIn, Facebook, Instagram, and more — all in one calendar.
Compensation Engine
Full comp lifecycle: draw plans, payout queues, and payroll-ready CSV export.
Lender & Program Library
Centralized lender overlays, rate matrices, and program guidelines — AI-searchable and always current.
Reporting & Analytics
Production dashboards, pipeline velocity, LO performance metrics, condition aging, and exportable reports.
Built for the Full Mortgage Lifecycle
Explore connected workflows from lead capture to final payout, with automation and team review where it matters.
Payroll-to-Payout. Fully Automated.
From the moment a loan closes to the moment your team gets paid — every dollar is tracked, verified, and sent.
- Automated compensation records created on close via backend trigger
- Loan Officer, Processor & VA bonus tracking with deductions
- Draw plans with ledger balances deducted from payout queue
- Payment status workflow: Pending → Ready → Requested → Confirmed → Paid
- LO weekly payment confirmation flow with email notifications
- Compensation dashboards per role with filter & search
- CSV export formatted for Gusto, ADP, QuickBooks, Paychex & Rippling
- Live payroll API push available as an optional add-on service
James Carter (LO)
Ready
Maria Lopez (Processor)
Requested
Tanya Brooks (VA)
Confirmed
Derek Nguyen (LO)
Paid ✓
TRID Compliance. Zero Guesswork.
AI extracts fees from every LE and CD, tracks tolerance buckets in real-time, and flags violations before they become cures.
- One-click AI extraction from Loan Estimate & Closing Disclosure documents
- Automatic TRID bucket categorization (A=Zero, B=Cannot Shop, C=Can Shop)
- LE vs CD variance tracking with tolerance violation alerts
- Standardized fee library — learns and improves from every loan
- Admin-lockable canonical fee amounts per company
- Fund coverage check: does the borrower have enough?
- Inline fee editing with audit trail
- Fee history across all company loans
Origination Fee
Appraisal Fee
Title Insurance
Recording Fee
Portals for Everyone on the Deal.
Borrowers, real estate agents, and referral partners all get their own secure portal — branded, scoped, and connected to your pipeline.
- Borrower Portal: loan status, condition uploads, application wizard
- Agent Partner Portal: loan visibility, referral submissions, co-branded links
- Referral Partner Portal: referral tracking, analytics, submission forms
- Warm transfer flow for direct loan officer handoff
- Invitation system with email-verified access
- Internal chat panel between internal team and portal users
- Document upload with auto-linking to loan conditions
- Portal analytics: views, engagement, conversion rates
Conditions Ready
3 docs needed · tap to upload
Loan Status: Clear to Close!
Scheduled closing May 8
New Referral Submitted
Johnson family · Purchase
Message from Your LO
Rate lock confirmed for 30 days
Your Pipeline Grows While You Sleep.
The Growth Suite combines AI-driven lead engagement, automated relationship marketing, and intelligent agent delegation into a single revenue machine.
- Cielo™ AI Agent — responds to new leads via SMS/email 24/7
- Automated birthday, anniversary & homeownership emails
- Holiday campaigns with AI-generated images and personalized messages
- Post-close follow-up sequences for reviews and referrals
- Landing page builder with lead capture forms and routing rules
- Speed Dialer for rapid outbound lead contact
- Lead pond management with AI-powered assignment rules
- Campaign builder with A/B testing and performance analytics
New Lead · 9:14 AM
"Hi, I'm interested in buying a home in Miami. What rates are available?"
Cielo™ replied · 9:14 AM (instant)
"Hi! Rates are looking great right now 🏡 I'd love to connect you with one of our experts. Are you free for a quick 15-min call today?"
"Yes, I'm free at 2pm"
Cielo™ · Appointment booked ✓
"Perfect! I've booked you with James Carter at 2:00 PM today. You'll get a confirmation shortly 📅"
Data That Drives Decisions.
Production analytics, team performance, pipeline velocity, compensation summaries, and AI-generated insights — all in one place.
- Company, office, and individual LO production dashboards
- Pipeline velocity tracking — identify stalled loans before they fall out
- Weekly payout reports with CSV export
- Loan scoring with AI probability ratings
- Borrower health dashboard with engagement metrics
- Condition aging monitor — how long each condition has been open
- Browser-cast Production Board with role-scoped company, office, LO, processor, and VA views
- Approved credit expiration tracking and files-received review queues
- Referral source analytics — which partners are driving volume
- Integrated LLM credit usage and cost tracking
$4.2M
Volume
18
Closed
94%
Pull-thru
Top Performers
Your Pipeline, Cast Live Across the Office.
Browser-cast Production Boards keep every team aligned with role-scoped views for company, office, loan officer, processor, and VA workflows.
- Castable display mode for TVs and conference rooms
- Role-scoped boards for company, office, LO, processor, and VA teams
- Live slides for closings, commitments, rate locks, TRID watch, and final conditions
- Approved credit expiration tracking for pre-approved borrowers
- Files-received review queues for new borrower, partner, and condition uploads
- Configurable slide order, timing, layout density, and visible sections
- Automatic refresh so teams always see the latest pipeline priorities
- Designed for daily standups, processing rooms, and leadership oversight
Sarah M.
Credit Expires
Johnson File
Files Received
Nguyen Loan
Rate Lock
Rodriguez
Closing
More Tools for Your Team
Every module your team needs to run a modern mortgage operation.
NMLS Compliance
Audit trails, exception logs, MISMO export
Landing Page Builder
Drag-drop, AI content, custom domains
Speed Dialer
Rapid outbound calling with call notes
Scheduling System
Booking pages, Google Calendar sync
AI Scenario Builder
Instant program match & exception analysis
Role-Based Access
LO, Processor, VA, Admin, Bookkeeper
Multi-Office Support
Separate offices under one company
Social Suite
AI posts to LinkedIn, FB, Instagram
Email Campaigns
Builder, templates, broadcast & tracking
Draw Plans & Ledger
Advance tracking deducted from payouts
Lender & Matrix Library
Overlays, rate matrices, AI-searchable
AI Probability Scoring
Real-time approval likelihood per loan
Smart Alerts
Stalled loan detection, deadline proximity
Document Intelligence
AI parsing, Drive archiving, split/compress
Billing & Subscriptions
Stripe integration, usage metering
Automated Follow-ups
Condition chasers, lead nurturers, drip
One Platform. Every Person on Your Team.
Whether you originate, process, manage, partner, or support — Loan Certifier has a portal built just for you.
Borrowers use their client portal; bookkeepers manage finance workflows. Platform administrators and support staff have separate operational roles, not company-wide privileges for every user.
Full control over your entire company operation with enterprise-grade admin tools.
- Multi-office management
- Company-wide reporting
- Production Board casting
- User & role management
- Compliance oversight
- White-label branding
Everything you need to originate, close, and grow — all in one intelligent dashboard.
- Personal LO dashboard
- AI pipeline assistant
- Credit expiration tracking
- Files received alerts
- Smart Number
- My compensation view
Powerful processing tools that help your team move files from submission to clear-to-close faster.
- Condition tracker
- Document review queue
- Files received alerts
- Loan status updates
- Client portal access
- Google Drive archiving
Stay in the loop on every deal, submit referrals, and generate AI co-branded marketing materials from your dedicated portal.
- Agent partner portal
- Referral tracking
- Loan status visibility
- AI co-marketing flyers
- Social media captions
- Partner analytics dashboard
Lead your team with data-driven insights, automated workflows, and visibility across every loan.
- Office dashboard
- Team performance metrics
- Routing rule management
- LO compensation oversight
- CRM visibility
- Production reports
Secure, scoped access for VAs to do their job efficiently without overexposure to sensitive data.
- Scoped file access
- Document uploads
- Production Board visibility
- Condition support
- Note management
- Task completion
A dedicated portal for referral partners to submit referrals, track their loans, and stay connected with your team.
- Referral Partner portal
- Referral tracking & analytics
- Loan status visibility
- Referral submissions
- Warm transfer handoffs
- Partner notifications
Account executives get a purpose-built portal to manage scenarios, share matrices, and support your loan officers.
- AE portal access
- Scenario inbox & replies
- Program matrix uploads
- LO roster connections
- Marketing asset sharing
- Condition assistance
Build Your
Lending Network
Partner with loan officers you trust. Loan Certifier makes it easy to collaborate, stay connected, and scale your mutual business — all from one centralized platform.
Connect with Top LOs
Find and invite loan officers to your referral network with a single link — no paperwork, no complexity.
Track Every Deal in Real Time
Monitor your referrals from application through closing. See loan status, milestones, and updates without constant back-and-forth.
Manage Business from One Place
Upload documents, collaborate on loans, send referrals, and manage your entire partnership — all in your dedicated portal.
Your Loan Officer Network
Illustrative preview · 3 partners · $2.4M pipeline
Sarah Mitchell
Senior LO
James Chen
Branch Manager
Maria Rodriguez
Loan Officer
Mortgage Teams Love Loan Certifier
Don't take our word for it — hear from the professionals who use it every day.
"The AI condition tracking alone has transformed how we process files. Cielo handles our initial lead outreach automatically — our LOs can stay focused on relationships while the platform works in the background."
Branch Manager
Independent Mortgage Branch · Southeast U.S.
"We consolidated CRM, scheduling, email, conditions, and comp into one platform. The CRM campaigns run on autopilot, our agents love the partner portal, and processors move files faster with the AI condition tools."
VP of Operations
Independent Brokerage · Mid-Atlantic Region
"As a solo LO, I was losing leads because I couldn't respond fast enough. Cielo handles my initial outreach and books calls automatically — so I can stay focused on building relationships and closing."
Senior Loan Officer
Independent LO · Florida
Real mortgage professionals. Real results.
Plans Built for Every Stage
Start solo. Grow to a team. Scale to an enterprise. One platform, every stage of your business.
🎉 15-Day Free Trial — No Credit Card Required
Full platform access. All features unlocked. Cancel or keep going after your trial.
✨ No credit card required — Start free for 15 days
Questions? Contact our sales team
Ready to Certify
Your Pipeline?
Join mortgage teams across the country who are closing more loans, faster — with AI working at every step.