Your Chief of Staff for the mortgage business
Stop prompting. Start closing.
FlowState knows your book. It picks the five calls, drafts what to send, and moves on your yes.
7-day free trial • Full platform access • Cancel anytimeCredit card required
- Johnson $450K — respond to conditions$12,500 commission, closing at risk01
- Call Sarah Mitchell — 4.4x overdueTop referral partner. 3 referrals at stake.health 18
- Send competitive analysis to ChenRate lock in 48 hours. $8,200 in pipeline.03
- Pre-approval follow-up — MartinezHigh-intent buyer, 6 days since last contact04
- Confirm Friday closing — NguyenDocs clear. One call keeps it on schedule.05
moves each morning, ranked by dollars
loan analysis to client-ready email
you already have the call list
unread: 247
It's 6:58 AM. 247 things want your attention.
watched: 242
Overnight, FlowState read all of it.
Noise tray — 242 held
242 of them can wait. Nothing needs you there.
YOUR MORNING, SORTED — 3.5 hrs · $47,500
Your morning, sorted. 3.5 hours protected.
Every other tool is building a moat. We built the bridge.
The AI isn't the product. Your book is.
A chat window with nothing behind it gives you a generic answer in a confident voice.
In FlowState
Open it at 6:40. The day is picked, the reasons are there, the drafts are waiting. No AI account required.
In your AI
Claude or ChatGPT already open? Add FlowState once. From then on it knows what you know. Say "follow up when rates cross six," and it will. Building now, October 2026
- Ask it why Dana outranks Marcus.
- Approve the follow-up out loud.
In FlowState
It writes back to your book, and never sends a thing on its own. Building now, October 2026
tomorrow
Your book.
FlowState is what goes behind it:
- every text, call, and email captured without typing
- every loan and partner scored overnight
- every answer traced to a file you can bet a morning on
Tap any number and it shows its work. Every answer traces to a loan in your pipeline, so you can bet a morning on it.
Client data is anonymized before any FlowState-run model sees it. Your own AI sees your partners and your pipeline. Borrowers stay inside FlowState unless your firm says otherwise. Building now, October 2026
Under your firm's rules. Off until your firm turns it on. Borrowers stay inside by default. Every action carries who approved it and when. AI your compliance officer can sign. Building now, October 2026
Capture
Every conversation, read. Every next move, suggested.
Texts and email with the people in your book land on one timeline, and the calls you place log themselves. FlowState keeps the record current and hands you the next move, with the follow-up drafted for you to approve.
last night
Rewind to last night. That morning started with a note you never typed.
Dana Whitfield
Buyer loved the Elm St place. Offer going in tonight
Send me the address and I'll update the letter
1410 Elm. Thank you, you're the best
via FlowState Synctoday
one timeline · Dana Whitfield
Sep 8, 11:52 PM · texts · captured
14 messages this month. Offer on 1410 Elm; pre-approval letter requested.
Sep 8, 4:10 PM · email · captured
Re: 1410 Elm pre-approval. Letter sent; number confirmed by 5.
Sep 8, 2:30 PM · calls · captured
Outgoing call to Dana Whitfield, 4 min, on the same timeline as her texts and email.
your morning
Send Dana the updated letter today
Offer is live tonight. 3 referrals this year; $2.1M closed together.
follow-up drafted for you · you approve it before it sends
- iMessage via FlowState Synctoday
- Outlook emailtoday
- Apple Mail via FlowState Synctoday
- calls via FlowState Synctoday
- Instagram and other DMsroadmap
Texts and calls, from your Mac
FlowState Sync, a small Mac app, reads the Messages app and logs conversations with the people in your book to their timelines, one note per month. Calls log the who, when and how long.
Email, from Outlook or Apple Mail
Outlook signs in once. Apple Mail runs through FlowState Sync and brings Gmail, Yahoo and every other account you have added to it along too.
The score stays honest
A captured conversation moves the last-contact date, so relationship health reflects what you actually said, not what you remembered to log.
The next move comes out
The call list ranks itself from real contact, with the reason attached, and the follow-up arrives drafted for you to approve.
Most CRMs wait for you to type what happened. Then they wait for you to ask what to do about it.
Text, Apple Mail and call capture run from a Mac. Only conversations with people in your book are read, and you can stop capture at any time.
A system that thinks.
FlowState doesn't just store your data. It interprets it — surfacing what matters, explaining why, and getting out of your way.
Task intelligence
Start with what matters
Every task scored by actual pipeline impact — not just due date. The system distinguishes what's urgent from what's important, so you stop spending mornings on the loud-but-small and start spending them on the quiet-but-valuable.
Five intelligent triggers
Loan stage changes, rate lock windows, client follow-ups, cooling partners, post-close milestones
Real dollars, never scores
Every figure is loan-backed math from your actual pipeline — when FlowState says the morning protected $47,500, you can trace it to the loans
Behavioral learning
The ranking learns what you defer and what you jump on, and bends to it. Where that goes is the end of this page.
Ranked by pipeline impact — not due date
Sarah Mitchell
Realtor, Keller Williams
Your top referral partner. Three deals this quarter, 12 days since you last talked.
Relationship intelligence
Know who needs you before they go cold
Health scores for every referral partner, powered by decay curves that learn each partner's natural contact cadence. The system doesn't just count days. It notices when silence is unusual for that specific relationship.
Adaptive health scoring
Five weighted signals: recency, frequency trend, referral volume, revenue trajectory, conversion rate
Risk tiers with a next step
Healthy → Cooling → Cold → At Risk — each with an inline action to intervene
Correlation insights
“Your in-person contacts with Sarah led to 4 referrals within 10 days”
“Not everything that is loud is important. Not everything that is important is loud.”FlowState makes the difference obvious.
Rate recapture
The day rates drop, you already have the list.
FlowState watches the live market rate from the St. Louis Fed. The moment today's rate would save a past client real money, they're on your recapture list: name, loan, and monthly savings. You get there before the refi shops start dialing.
30-yr fixed, market average
In the money today
- $214/mo
M. Alvarez
$412K at 7.375%
- $163/mo
D. Okafor
$338K at 7.125%
- $187/mo
S. Brandt
$521K at 6.990%
- + 4 more clients
- Refi wave: 7 clients in the money
A live rate from the St. Louis Fed
No rate-sheet babysitting. The number on this page is the number FlowState watches, and it keeps watching after you close the tab.
Every client, re-checked continuously
Savings computed per client, per month, from their actual loan. Real math, not a blast list.
Refi waves, called
When one rate move puts a group of clients in the money at once, FlowState calls it and reorders your morning around it.
Generic rate alerts are the noise your briefing holds back. This is the opposite: your clients, your loans, ranked by what a call is worth.
2 in 3refinancing borrowers leave the servicer of their current loan. Someone will reach your past clients first. This list makes sure it is you.
ICE Mortgage Monitor, May 2026
Third-party trigger leads ended in March 2026. Your own book is the early-warning system now, if something is watching it.
Homebuyers Privacy Protection Act, in force since March 5, 2026
Growth
Grow the book you already have.
FlowState mines every closing in your book and finds the people worth a conversation. Then it works the list with you, three at a time.
The one move
Marcus Reed
listing agent
4 closings together, and you have never asked him for a referral.
Why this one, of 31
Today's three
1 of 3
- 1Marcus Reed
- 2Priya Natarajan
- 3Tom Alvarez
The one move
One name, what they are worth to you, why them, and the button to reach them. Tap “Why this one” and the reason is right there.
Today's three
Three asks before you go. Finish three and FlowState says so. Ten people is a chore you postpone. Three is a thing you finish.
One person at a time
Call, text, or email, from the card. Every message is written to one person. Nothing sends itself.
Four lanes, mined from your closings
Rate opportunities
past clients paying above today's market
Going quiet
valuable partners you haven't talked to
Your deal network
agents your closings already introduced you to
Title & escrow
the companies at your closing tables
A handful of relationships drive most of your loans. Each one is worth a call, not a blast.
Then act fast.
FlowState tells you what matters. Then it gives you the tools to act on it in seconds.
Your briefing identified a client who needs a competitive analysis. Here's how fast you can deliver it.
30x
Faster workflow
100%
Professional output
Zero
Manual formatting
5
Calculator types
Calculators
Five calculators. One minute each.
Run the numbers, generate the verdict, send the client-ready email. The analysis your briefing called for, delivered before the coffee cools.
Analyze a single property
← Swipe to explore calculators →
Payment Breakdown
Complete monthly payment analysis with P&I, taxes, insurance, and PMI breakdowns. Interactive charts show exactly where every dollar goes.
Analyze a single property
part of the record, not bolted on
- Scenarios save to the clientNot the browser. Send one and it stays on their profile, dated, so the last quote is there the next time you open them.
- Update the record from the resultEmpty fields fill in. Filled fields ask first, old to new.
- Competitor quotes on fileDated, on the client record, so you always know what you are up against.
- “Model a refi for Sarah”Type a name in ⌘K and the calculators open with their records loaded.
One record
Nobody typed this. It is all on the record.
Michael's profile, the morning after. The texts, the email thread, the quote you just sent and who referred him, on one record you did not have to build. Open any client and it is already there.
Work his record. Two moves, nothing to set up. Every tab is live.
Michael Torres
ApplicationPurchase · $385K, 30-yr fixed · Application
Referred by Marcus Reed
Last contact: last night
Timeline
11:52 PM · iMessage, captured
14 texts with Michael logged to the timeline, nothing typed.
12:04 AM · Outlook, captured
The appraisal thread logged. Two newsletters held out.
Referral source
Fourth referral from Marcus Reed this year. Three have closed. Linked on import.
Sent Quotes
No quotes sent yet
Run a scenario to send one
Outreach Scoreboard
Still learning your patterns.
Your scoreboard fills in as you log contacts and partners send deals. It waits until the numbers mean something rather than showing you a guess.
- Approved
Pre-approval letter
Issued 14 days ago
- Requested
Appraisal
Ordered 6 days ago
- Required
Homeowners insurance
Needed before closing
- Received
Rate lock confirmation
Expires in 21 days
- open
Follow up with Michael on the appraisal
Closing in 12 days. $3,850 commission at stake.
- open
Send Michael the competitive analysis
He asked for it Tuesday. Rate window is moving.
- open
Thank Marcus Reed for the referral
Four referrals this year, three closed. Worth a real note.
Everything logged on this record, newest first.
- Text14 texts with Michael logged to the timeline, nothing typed.
- EmailThe appraisal thread logged. Two newsletters held out.
- ReferralFourth referral from Marcus Reed this year. Three have closed. Linked on import.
Nothing here was typed
Texts and email land on their own. The quote went on file when you hit send. The referral came in with your book.
The last quote is one click away
Open the profile before you call and the numbers you sent are there, dated, next to what they said back.
The scoreboard judges the book, not the day
Verdicts on what your outreach actually did, in plain sentences. When there is not enough to say, it says so: “Not enough yet to judge.”
A CRM you have to feed goes quiet the week you get busy. This one fills itself from the work you were already doing.
Thirty mornings in
7:05 AMIt's 7:05 again. Now it knows how you work.
The scoring bends to you. Tasks you always push get quieter. The ones you jump on rank higher. Thirty days in, the list reads like you wrote it.
from your tasks page
You defer follow-up tasks 64% of the time. FlowState has eased their urgency to protect your focus.
You complete rate-lock tasks 40% faster than your baseline. They now rank higher in your focus.
And when the five are done, FlowState says so. No refilling list, no treadmill — a day you can actually finish.
One sentence in the car. The morning rates crossed six, the task was already waiting. Building now, October 2026
7-day free trial • Full platform access • Cancel anytime
the rest, if you want it
The calculator, the assessment, what connects, and the questions people ask first.
About FlowState.
It started with one loan officer's Tuesday.
Where this started
FlowState started with watching my wife work. Shannon is a mortgage lender — one of the most capable people I know — and one afternoon I watched her take a borrower's call while digging through three screens for a single answer, at a Fortune 500 lender running supposedly state-of-the-art systems. Someone making the biggest financial decision of their life sat waiting while the software buried the answer.
She was doing everything right. The system was doing everything wrong. When she went independent it got worse — now she was the loan officer, the operator, the marketer, and the administrator, with no institutional padding to absorb the noise. None of that is unique to Shannon. It is the defining experience of the modern mortgage lender: tools that track everything and understand nothing.
So I built the tool that didn't exist — a system that reads the pipeline overnight, ranks the morning by dollars, watches the temperature of every referral relationship, and turns a finished analysis into a client-ready email in one click. Everything it tells you is traceable math from your own book, and everything it asks of you fits in a morning you can actually finish.
the mission
To eliminate the 20% of workflow friction that causes 80% of daily frustration for mortgage professionals.
Shannon runs her own book on FlowState today. Nothing ships that doesn't survive her Tuesday.
— Connor McGarvey, co-founder
Our Leadership
Connor McGarvey
CEO & Co-founder
Connor works across mortgage finance and law. He found the 80/20 problem in a loan officer's day (most of the work drives almost none of the revenue) and built FlowState around the part that does.
Josh Garza
CTO & Co-founder
Josh is FlowState's CTO and co-founder. He builds the product and leads its engineering.
See what focus is worth.
Run your own numbers — the time you get back each month, and how rarely FlowState has to protect a deal to pay for itself. Nothing you enter leaves this page.
Your Business Details
Adjust to your reality — the math runs on your numbers, not ours
No email needed to see your numbers.
29 minutes returned per scenario — the 30→1 workflow — times the 12 you run. About 70 hours a year.
One protected deal pays you $4,500 — about 30 months of FlowState.
If FlowState protects or recaptures one deal every 2.5 years, it has covered itself. You decide how likely that is.
Your 300 past clients represent about $1,350,000 in repeat commission. At the next rate drop, how many are in the money?
See how the recapture list works7-day free trial • Full platform access • Cancel anytime
Two ways to see where you stand.
What kind of loan officer are you, really?
Ten questions that map where your workflow leaks time and deals, and the playbook that matches your profile.
Guides matched to how you actually work
Ten playbooks on the 20% of moves that drive a lending business, each mapped to one end of a workflow dimension.
Works with your stack
Everything you already use. One record.
Texts, email, calls and meetings from the tools you already have land on one client record. A small Mac app brings in the conversations on your computer. One sign-in brings in the rest. FlowState is the companion to your LOS: loan files stay where they belong.
Tap any integration to see how it works.
Where it is going
in-app client email, live todaycalculators & live market rate from the St. Louis Fed, live today
iMessage
FlowState Sync
Client texts log themselves.
Lands on your record · 11:52 PM · text
Dana Whitfield: offer going in tonight on 1410 Elm. Pre-approval letter requested.
- Comes in
- Your text conversations with people in your book, from the Messages app on your Mac.
- FlowState does
- Logs them to each person's timeline, one note per month, and moves their last-contact date.
- You get
- Relationship health that reflects what you actually said, and a call list that ranks itself from real contact.
- Install FlowState Sync on your Mac
- Allow Full Disk Access when macOS asks
- Review what it will capture, then turn it on
FlowState Sync is a small Mac app. It logs your texts, Apple Mail and calls with the people in your book. You review what it will capture before anything uploads, and you can stop it at any time.
Apple Mail
FlowState Sync
Email from every account on your Mac.
Lands on your record · 4:10 PM · email
Re: 1410 Elm pre-approval. Letter sent; number confirmed by 5.
- Comes in
- Email with people in your book, from any account you have added to Apple Mail: Gmail, Microsoft 365, iCloud, Yahoo and more.
- FlowState does
- Logs a short preview of each message, not the whole thing, to the contact's timeline. If you also connect Outlook, a message lands once, not twice.
- You get
- The conversation sits on the client's record, so the next call starts with context instead of a search.
- Add your email account to Apple Mail
- Install FlowState Sync and list the addresses that are yours
- Review what it will capture, then turn it on
FlowState Sync is a small Mac app. It logs your texts, Apple Mail and calls with the people in your book. You review what it will capture before anything uploads, and you can stop it at any time.
Calls
FlowState Sync
Calls log themselves.
Lands on your record · 2:30 PM · call
Outgoing call to Dana Whitfield, 4 min.
- Comes in
- Your call history on your Mac: who you called, when, and for how long. iPhone calls appear there when Calls on Other Devices is on.
- FlowState does
- Adds each connected call to the person's timeline, groups a busy afternoon of calls into one entry, and counts it as a touch. Missed and zero-length calls are skipped.
- You get
- Your relationship score credits the call, so a partner you spoke with this week does not read as overdue.
- Turn on Calls on Other Devices for your iPhone
- Install FlowState Sync on your Mac
- Review what it will capture, then turn it on
FlowState Sync is a small Mac app. It logs your texts, Apple Mail and calls with the people in your book. You review what it will capture before anything uploads, and you can stop it at any time.
Microsoft Outlook
Sign in once
Email logs itself. Meetings go on your calendar.
Lands on your record · 9:02 AM · email
Re: Okafor closing docs. Cleared to close Friday.
- Comes in
- Email with people in your book, from your own Outlook account.
- FlowState does
- Logs each conversation to the timeline, and puts meetings you book in FlowState on your Outlook calendar.
- You get
- A full email history on every client, with nothing forwarded or typed.
- Connect your Outlook account in Settings
- Approve access once, and exclude anyone you want left out
Calendly
Sign in once · works both ways
Bookings come in. Links go out.
Lands on your record · Thu 2:00 PM · booked
Marcus Lee booked an intro call. Prospect created, intake answers attached.
Task closed: set up intro call
- Comes in
- Bookings from your own Calendly, with the answers each person gave on the booking form.
- FlowState does
- Turns a booking into a prospect and a scheduled meeting. From any action item, one tap sends a client a one-time booking link; when they pick a time, it lands on your calendar and the task closes.
- You get
- No back-and-forth over times, no retyping a booking into a CRM, and no task left open once the meeting is set.
- Connect your Calendly account
- A paid Calendly plan (Standard or higher) is required; Calendly is a separate product
Arive
Upload once
Your book arrives matched.
Lands on your record · Day one · import
Your book arrived: clients, partners and loans, matched to people.
- Comes in
- A CSV export from Arive. FlowState reads 378 column spellings across 62 fields, so an Arive export maps itself and other exports map most of the way.
- FlowState does
- Places your clients, partners and loans on the record. Upload next month's export and existing people and loans update in place. Nothing duplicates.
- You get
- Your real book on day one, beside the LOS that keeps the loan files.
- Export your book from your LOS
- Upload it once
- Place any columns the mapper asks about
Drafted follow-ups
Where it is going
Follow-ups arrive drafted.
- Today
- Every follow-up that is due comes with a draft, most important first. You approve every email before it sends.today
- Next
- Tell it what to change in plain words and get a better draft. You still review and send.Building now, October 2026
Why it is on your list
Where it is going
Every suggestion shows its reasoning.
- Today
- Each task says why it is on your list, and you can tap any number to see its work.today
- Next
- Ask why a client is on your list and get an answer that ends in an action.Building now, October 2026
Home value and equity
Where it is going
Know when a client's equity moves.
- What it will do
- Watch home value and equity on the people in your book.
Listing alerts
Where it is going
Hear when a listing matters.
- What it will do
- Listing alerts for the clients and partners who would want them.
Gmail & Google Workspace
Sign in once
A direct Gmail connection.
- What it will do
- Sign in with Google and your email logs itself. On a Mac, Gmail accounts already log today through Apple Mail.
Zapier
Upload once
Loans that flow in on their own.
- What it will do
- Connect your LOS and the tools around it, and new loans reach FlowState without an export.
Encompass
Upload once
Loan milestones on the client record.
- What it will do
- A direct feed from Encompass, so a loan moving stages shows on the client without a re-upload.
FlowState Sync runs on a Mac. Apple Mail capture needs your account added in Apple Mail, and call capture needs Calls on Other Devices turned on.
Frequently Asked Questions.
Get answers to common questions about FlowState's intelligence engine, calculators, and CRM
What is the Intelligence Engine?
Tell me about the calculator suite. What makes it special?
What makes FlowState different from traditional mortgage CRM systems?
How quickly can I see ROI with FlowState?
How quickly can I start seeing results with FlowState?
How do I move my book over?
Does FlowState send my client data to an AI model?
How does FlowState protect sensitive mortgage data?
What compliance standards does FlowState support?
Still have questions?
Start your free trial or talk to our team to learn more