MloFlo

MloFlo is a mortgage CRM for loan officers, brokers, and their teams, bringing together CRM functions, a point of sale, borrower and realtor portals, and automation. Loan officers can quote loans, generate pre-approvals, collect documents, track pipelines and referrals, and receive milestone notifications. The toolset also includes a dashboard, AUS, credit pulls, SMS/MMS with video, drip automation, and a smart dialer. Borrowers can see loan status and milestones, upload documents, and sign disclosures. Realtors get an open-opportunities dashboard, buyer overviews, loan milestones, contacts, and partner information, alongside a co-branded digital mortgage app. MloFlo is available on Android, iOS, and the web. Basic costs $69.99 per month per loan officer seat, or $62.99 per month when billed annually ($755.88 annually); Pro is $199.99 per month per seat, with support seats at $55 per month. Lead integrations via API are available on Pro and Enterprise, not Basic. Additional fees may apply to marked features; voice/SMS/MMS plans list a $24.95 activation fee for 1–49 users.

MloFlo combines loan officer tools with borrower and realtor portals in one mortgage CRM. Compare the Basic and Pro feature lists and account for activation or other additional fees when choosing a plan.

MloFlo suits loan officers, brokers, and lending teams that need borrower and realtor portals alongside pipeline and referral management. Its Basic plan may suit teams that need pre-approvals, loan quoting, and mobile-responsive portals; broader listed tools are on Pro and Enterprise.

Overview

MloFlo is a mortgage CRM for loan officers, brokers, and their teams. It is best suited to groups that want borrower and realtor portals alongside loan workflows, though its lower-priced Basic plan leaves out several operational tools. The central choice is whether Pro’s broader feature set justifies its higher per-seat price.

Key features

Loan and borrower workflows

Loan officers can work from a dashboard with loan quoting, pre-approval generation, document collection, pipeline tracking, milestone notifications, referral tracking, credit pulls, AUS, drip automation, and a smart dialer. SMS/MMS can include video. This puts communications and origination functions in one product, but the plan matters: Basic does not include POS, smart document upload, pipeline view, task and calendar management, loan milestone tracking, drip automation, or the smart dialer. Teams that rely on those tools should compare Pro rather than assume the entry plan covers their workflow.

Borrowers can view loan status and milestones, upload documents, and sign disclosures. The realtor portal adds an open-opportunities dashboard, co-branded digital mortgage app, pre-approval generator, buyer overview, loan milestones, contacts, and partner information. These portals give borrowers and referral partners a view into the process, a useful fit for teams that want those touchpoints connected to their CRM.

Integrations and security

MloFlo names Freddie Mac, Fannie Mae, Zapier, Encompass, Arive, Xactus, Stikkum, Nylas, and LendingPad among its integrations and partners. Lead integrations through API are available on Pro and Enterprise, not Basic. MloFlo says it uses bank-level encryption and role-based access controls to protect borrower data and support audit-ready workflows.

Pricing

MloFlo has no free plan. The Basic plan costs $69.99 per month per loan officer seat, or $62.99 per month when billed annually ($755.88 annually). It includes a pre-approval generator, loan quoting tool, borrower and realtor portals, and a mobile-responsive experience. It is the lower-cost fit for teams focused on those functions, but it excludes many of the tools needed to manage the broader loan process inside the CRM.

The Pro plan costs $199.99 per month per loan officer seat, or $179.99 per month when billed annually ($2,159.88 annually). Support seats cost $55 per month. Pro includes Basic features plus a processor portal, POS, smart documents, pipeline and task management, integrations, marketing automation, and smart dialer. For teams that need these capabilities, Pro is the more complete option; its per-seat price makes the additional tools a meaningful budget decision. Enterprise has custom pricing, includes Pro features and white labeling, and may carry additional fees.

Separate communications plans are available: SMS Only is free but requires a $24.95 activation fee for 1–49 users; SMS/MMS costs $4.99 per month with the same activation fee. Rookie Plan is $14.99 per month and includes SMS, MMS, voice, and 500 minutes; Pro Plan is $29.99 per month with 2,500 minutes; Expert Plan is $69.99 per month with unlimited minutes. The voice plans each carry a $24.95 activation fee for 1–49 users, and Rookie and Pro overages cost $0.0124 per minute. Account for activation charges and any other applicable feature fees when comparing costs.

Platforms

MloFlo supports Android, iOS, and web. Its mobile app is available through the Google Play Store and iOS App Store.

Who it's for

MloFlo is a sensible fit for loan officers and broker teams that want borrower and realtor portals with loan origination, partner management, and communication workflows. Basic can suit teams that mainly need quoting, pre-approvals, and the portals. Teams needing document handling, pipeline and task management, integrations, or marketing automation should weigh Pro’s higher seat cost against those needs. Those seeking a free CRM should look elsewhere.

Pros and cons

• Pros: Borrower and realtor portals sit alongside loan officer tools, giving external participants access to loan status and related workflows.
• Pros: Pro brings POS, smart documents, pipeline and task management, integrations, marketing automation, and a smart dialer into one plan.
• Cons: Basic excludes many of the tools that support day-to-day loan processing, so the lower per-seat price comes with substantial workflow limits.
• Cons: Activation fees apply to the communications plans, and voice usage can add per-minute overage charges on Rookie and Pro.
• Cons: Pro is considerably more expensive per loan officer seat than Basic, while Enterprise requires custom pricing.

Alternatives

For a no-cost starting point, Viato has a free plan and iOS and web support; its Support plan costs $49 per month per loan officer, with operations staff at $29 per month. KudosCRM is another free-plan option, with a forever-free tier capped at three users, 1,000 contacts, one pipeline, and one email inbox, and supports Android, iOS, and web. Total Expert offers a complimentary plan with CRM access, inbound co-marketing connections, an open-house lead capture app, and single-property websites.

Aidium is a paid alternative with Android, iOS, web, and API support; pricing is provided through an order. Mortgage Magic is another paid option with a free plan and trial; its Prometheus plan costs £85 a month and includes AI sourcing, full CRM, and compliance. BNTouch Mortgage CRM has no free plan or trial and supports Android, iOS, and web; its CRM plan is $95 a month, with a 12-month prepay earning a 13th month free. Jungo has a $96 a year Lite plan billed per user per month, requires a one-year annual contract, and charges a $249 one-time setup fee. Shape is a paid alternative with Android, iOS, and web support, offering per-user Core and Enterprise plans with add-ons available.

Browse more options in Mortgage CRM Software.

Verdict

Choose MloFlo if your loan team wants borrower and realtor portals connected to loan workflows and can budget for the plan that includes the tools it needs. Its main advantage is the combination of those portals with loan officer features; its main drawback is that Basic omits much of the operational toolkit, while Pro’s per-seat price is substantially higher. Teams that need only a narrower CRM or a free entry point should compare alternatives.