Total Expert

Total Expert is a customer operating system for financial services that brings customer data, staff, and outreach together. It is designed for mortgage lenders, banks, credit unions, and insurance businesses. Customer IQ adds financial signals to customer profiles, including credit inquiries, equity changes, rate opportunities, new listings, and life events. Sales Center combines lead routing and nurturing with pipeline visibility, prioritized lead lists, text messaging, and a mobile app. Marketing Center supports multichannel Journeys, targeted campaigns, and a library of compliant content for email, social, and print. Its AI Sales Assistant can use voice conversations to qualify prospects, schedule appointments, and warm-transfer them to loan officers. The platform lists more than 55 integrations and supports borrower and referral partner management, loan pipeline tracking, and compliance workflows. It is available on Android, iOS, and web, with API access. A Complimentary plan is available at no charge; Premium is $100 per user per month. Customer support is offered by email or live chat during listed weekday and Saturday hours.

Total Expert brings customer signals, sales activity, and marketing workflows into one platform for financial services teams. The free plan provides a starting option, while Premium adds focused views, prioritized lead lists, and other listed features.

Total Expert suits financial services organizations, particularly mortgage lenders, banks, credit unions, and insurers managing customer outreach, leads, and compliance workflows. Its tools may also fit teams that need mobile access and loan pipeline tracking.

Total Expert is a customer and outreach platform for mortgage lenders, banks, credit unions, and insurers. It suits financial-services teams that want customer signals tied to sales and marketing workflows. Its free plan covers core CRM and marketing work; Premium’s $100 a month, per-user price buys additional sales prioritization.

Overview

Total Expert combines customer data, staff workflows, and outreach in a platform designed for financial services. Its focused scope is useful for teams handling borrower and referral relationships, where financial signals can inform follow-up. The same specialization may be a poor fit for organizations outside mortgage lending, banking, credit unions, and insurance.

The platform supports borrower and referral partner management, loan pipeline tracking, marketing automation, and SMS automation. Founded in 2016, it is headquartered in Minneapolis, Minnesota.

Key features

Customer context and sales activity

Customer IQ adds financial signals to customer profiles, including credit inquiries, equity changes, rate opportunities, new listings, and life events. These can give staff useful reasons to reconnect, but their value depends on teams acting on the signals. Sales Center provides lead routing and nurturing, pipeline visibility, a mobile app, text messaging, and prioritized lead lists, giving teams a path from lead assignment to follow-up.

Marketing, AI, and integrations

Marketing Center supports multichannel Journeys, targeted campaigns, and compliant email, social, and print content. Email and SMS workflows include approvals, reporting, and auditing for TCPA and CAN-SPAM compliance, a practical fit for regulated outreach. The AI Sales Assistant can hold voice conversations to qualify prospects, schedule appointments, and warm-transfer them to loan officers. Total Expert says its integration library includes more than 55 industry integrations.

Security and support

Total Expert states that it is SOC 2 compliant and that its security approach draws on the NIST Cybersecurity Framework and AWS Well-Architected Framework. Access controls include single sign-on, multi-factor authentication, precise privileges, and adaptive authentication informed by device reputation, location, IP address, and user behavior. Customer data is hosted in U.S.-based AWS data centers with 24/7 physical security. Support is available by email or live chat Monday–Friday 8 a.m.–7 p.m. CT and Saturday 9 a.m.–5 p.m. CT.

Pricing

The Complimentary plan costs nothing, billed $0/month. It includes unlimited inbound co-marketing connections, CRM access, an open house lead capture app, single-property websites, home valuation landing pages, print marketing tools, marketing automation, and Zillow Tech Connect, Office365, and BombBomb integrations. It is a substantial starting option for teams that can work without Premium’s focused and prioritized lead views.

Premium costs $100 a month, billed $100 /months per user. It includes everything in Complimentary, plus Focused View and Daily Call Lists, Prioritized Lead Lists, and an event registration app. The plan supports up to 20 users, so teams above that limit should confirm an appropriate arrangement before choosing it. The per-user price makes the added prioritization costly for larger teams; it is most compelling when those views help staff manage follow-up.

Platforms

Total Expert supports Android, iOS, web, and API access. Its mobile app and text messaging support follow-up away from a desk, while the API and integrations can suit organizations connecting it with other systems.

Who it's for

Total Expert is best suited to financial-services teams in mortgage lending, banking, credit unions, and insurance that need borrower or referral management alongside sales and compliant marketing workflows. Teams seeking a general-purpose CRM, or those that do not need its financial-services focus, should compare broader options.

Pros and cons

• Pros: Financial signals in Customer IQ can give staff timely context for outreach.
• Pros: CRM, pipeline, lead management, marketing automation, and compliant email and SMS workflows bring related work together.
• Pros: The free plan includes CRM, marketing tools, and several integrations, rather than limiting access to a short trial.
• Cons: Premium’s $100 a month per-user cost can add up across a team.
• Cons: Premium is capped at 20 users, which may constrain larger teams.
• Cons: Its industry-specific design is less suited to businesses outside its target sectors.

Alternatives

For a broader CRM with a free plan for three users and a free trial, consider Zoho CRM; its listed Standard plan is $23 a month, billed annually. AdvisorEngine CRM is another option, priced at $69 a year per user per month, billed annually, with a three-user minimum and priority support.

Consider Aidium, DealCloud, Dynamo CRM & Deal Management, Creatio CRM, Jungo, or Oracle Siebel CRM as alternatives to compare.

Browse more options in Financial Services CRM Software or Mortgage CRM Software.

Verdict

Choose Total Expert if your financial-services team wants customer signals, borrower and referral workflows, and compliant marketing in one platform, with a free plan to get started. Look elsewhere if your business falls outside its target industries, or if Premium’s per-user cost and 20-user cap do not fit your team.