MloFlo

MloFlo is an all-in-one mortgage CRM for loan officers, brokers, and their teams. Its strongest fit is a group that wants borrower and realtor portals alongside loan workflows and communication tools, and can budget for Pro when Basic’s exclusions become limiting.

Overview

MloFlo connects borrower and referral-partner management with loan pipeline tracking, marketing automation, compliance workflows, and SMS automation. Loan officers have tools for quoting, pre-approvals, documents, pipeline work, referrals, and borrower communication. Borrowers can check loan status and milestones, upload documents, and sign disclosures; realtors get an opportunity dashboard and a co-branded digital mortgage app.

The breadth is appealing, but Basic leaves out much of the operational toolkit. For teams that need point of sale, document collection, pipeline visibility, or integrations, Pro is the more relevant comparison; Basic is a narrower entry point, not the full workflow experience.

Key features

Loan, borrower, and realtor workflows

Loan-officer tools include a dashboard, loan quoting, pre-approval generation, smart document collection, pipeline tracking, milestone notifications, referral tracking, credit pulls, AUS, drip automation, and a smart dialer. SMS/MMS supports video. That combination can keep origination and follow-up tasks close to the loan workflow, while borrower status visibility and document signing reduce the need for a separate borrower-facing portal.

The realtor portal adds open opportunities, buyer overviews, loan milestones, contacts, and partner information. This makes MloFlo a better match for teams that actively coordinate referrals with real estate partners than for users seeking only a contact database.

Integrations and controls

MloFlo lists 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, so teams relying on connected lead intake should factor that into the plan choice. MloFlo says it uses bank-level encryption and role-based access controls to protect borrower data and support audit-ready workflows.

Pricing

Basic 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 suits a loan officer who needs those core functions but can work without the processor portal, POS, smart document upload, pipeline view, task and calendar management, milestone tracking, reporting, integrations, drip automation, and smart dialer that Basic excludes.

Pro 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. It includes Basic features plus a processor portal, POS, smart docs, pipeline and task management, integrations, marketing automation, and smart dialer. The higher price is easier to justify for teams that need those workflow tools; support seats add to the cost for teams whose operations staff also need access.

Enterprise has custom pricing and includes Pro features plus white labeling. Additional fees may apply to marked features. Basic and Pro are seat-priced, so the per-seat rate matters as a team grows.

Communication plans carry a separate activation fee of $24.95 for 1–49 users. SMS Only is $0.00 per free and requires activation. SMS/MMS is $4.99 per month. Rookie Plan is $14.99 per month with voice and 500 minutes; Pro Plan is $29.99 per month with 2,500 minutes; and Expert Plan is $69.99 per month with unlimited minutes. Rookie and Pro overage is $0.0124 per minute. These add-ons make it important to budget separately for voice and messaging rather than treating them as part of the CRM seat price.

Platforms

MloFlo is available on Android, iOS, and the web. Its mobile app is offered through Google Play and the iOS App Store, which gives loan teams mobile access across the major phone platforms.

Who it's for

MloFlo is best suited to mortgage loan officers, brokers, and teams that want connected borrower, realtor, and origination workflows. Pro is the practical fit when POS, smart document handling, pipeline and task management, integrations, automation, or dialing are central to the work. Basic is more appropriate when quoting, pre-approvals, and portals are enough. Teams that need only a lightweight CRM, or cannot absorb per-seat and communication add-on costs, should compare narrower or free alternatives.

Pros and cons

• Pro: Borrower and realtor portals sit alongside loan-officer tools, giving teams a shared workflow across the borrower journey and referral relationships.
• Pro: Pro brings POS, smart documents, pipeline and task management, integrations, automation, and a smart dialer into the same product.
• Con: Basic excludes many of those operational features, so the $69.99 per-seat entry price does not buy the broader workflow set.
• Con: Communication has separate plan charges and a $24.95 activation fee; voice plans also have minute limits and overage costs except for Expert.
• Con: Pro is substantially more expensive per loan-officer seat than Basic, and support seats are an additional $55 per month.

Alternatives

For a broader comparison, browse Mortgage CRM Software.

• Total Expert is worth comparing if a free CRM entry point and inbound co-marketing connections or open-house lead capture matter more than MloFlo’s stated mortgage workflow mix.
• KudosCRM offers a free plan for up to three users, 1,000 contacts, one pipeline, tasks, activities, and one email inbox; it is a lower-cost starting point for a small team that does not need MloFlo’s mortgage-specific portals and tools.
• Viato has a free plan and a $49.00 monthly Support plan per loan officer, with $29 per month per operations staff; consider it if support access and a lower-cost entry point are priorities.
• Mortgage Magic offers a £85.00 per month Prometheus plan with AI sourcing, full CRM, and compliance; compare it if those are the capabilities you prioritize.
• Aidium is another paid mortgage CRM to compare if you want to review a custom-priced option.
• Jungo is a paid CRM with an annually billed per-user plan and a one-year minimum contract; compare its terms if annual commitment is acceptable.
• Shape offers paid per-user plans with CRM foundations and add-ons; it is an alternative to consider if that structure suits your needs.
• BNTouch Mortgage CRM offers a $95.00 per month plan for 2–10 users, with a 12-month prepay option that earns a 13th month free; compare it if that team pricing and term fit better.

Verdict

MloFlo is a strong fit for mortgage teams that want borrower, realtor, and loan-officer workflows under one roof, especially if they need Pro’s POS, pipeline, integrations, and automation. Choose it when that connected toolkit justifies per-seat pricing and separate communication charges; look elsewhere if Basic’s omissions leave too much of the workflow out or the added costs do not suit your team.