The company
About FlowState.
FlowState is a mortgage CRM that reads a loan officer's book overnight and says who to call, why, and what each call is worth, for independent loan officers and boutique lending teams.
What FlowState does
The ranked five-move day
FlowState reads your pipeline overnight and hands you the five moves that matter most, ranked by what is at stake: commission, closing dates, rate-lock windows, and relationship value. Everything else waits in the noise tray. When the five are done, FlowState says so.
Referral-partner health
Every referral partner gets a health score from 0 to 100, built from five signals: contact recency, frequency trend, referral volume, revenue trajectory, and conversion rate. FlowState learns each partner's natural cadence, so a weekly partner raises concern after two quiet weeks and a quarterly one does not. Each tier (Healthy, Cooling, Cold, At Risk) comes with a suggested next step.
Rate-drop recapture
FlowState watches the live market rate from the St. Louis Fed and re-checks every closed client against it. The moment today's rate would save a past client real money, they appear on your recapture list with their name, loan, and monthly savings. When one rate move puts a group of clients in the money at once, FlowState calls the refi wave and reorders your morning around it.
Outlook and iMessage capture, on a Mac
Outlook email and your texts land on each client's timeline without anyone typing them. Texts come from FlowState Sync, a small app that reads the Messages app on your Mac and logs conversations with people already in your book; conversations with anyone else stay on your Mac. A captured conversation moves the last-contact date, so relationship health reflects what you actually said.
Five calculators on the client record
Five calculators (payment breakdown, rent vs. own, refinance, buydown, and a competitive rate bake-off) turn a 30-minute loan analysis into a client-ready email in about a minute. Every scenario you send saves to the client's record, dated. Four of them can also write their result back to the record (empty fields fill in, filled ones ask first), and the rate bake-off saves the competitor's quote to the client.
Review-and-send outreach
The Growth room mines every closing in your book for the people worth a conversation and puts them in front of you one at a time, with the reason and a call, text, or email button. Nothing sends on its own and there is no send-to-all button: every message is written to one person, and you send it.
What makes FlowState different
It ranks the day by dollars, and stops at five
Importance beats urgency: a quiet task protecting a $12,500 commission outranks a loud one that can wait. The list holds five moves, and when they are done the day is done.
The numbers are math, never AI
Every score, dollar figure and ranking is deterministic math from the loans in your pipeline. Tap any number and it shows its work.
It fills itself from work you already do
Texts from your Mac, Outlook email, and every quote you send land on the client's record without anyone typing them. A CRM you have to feed goes quiet the week you get busy.
One relationship at a time
There is no send-to-all button, and nothing sends on its own. That is a product hard line, not a missing feature: the unit of outreach is one relationship.
It works beside your LOS, not instead of it
Loan files, documents, and disclosures stay in the system built for them. FlowState runs the relationship side of the day: who to call, why, and what it is worth.
Who FlowState is built for
- Independent loan officers who run their own book, and are the loan officer, the operator, and the marketer at once.
- Boutique lending teams, typically 2 to 15 loan officers.
- Loan officers whose business runs on referral partners and past clients.
Who it isn't for
- Loan officers who want mass texting or blast campaigns. FlowState has no send-to-all button, by design.
- Enterprise retail lenders that need a compliance-reviewed marketing library.
- Anyone shopping for a loan origination system. FlowState works beside your LOS, and loan files stay there.
The team behind FlowState
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.
— Connor McGarvey, co-founder
The founders
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
Co-founder & CTO
Josh is FlowState's co-founder and CTO. He builds the product and leads its engineering.
FlowState is a small team, and a founder reads the inbox. sales@flowstate.mortgage
Based in Dallas, Texas.
How FlowState works
Start a free trial on your own
Sign up on the site; there is no sales call to book. The calculators, the client emails, and the CRM work the same day.
Bring your book as a CSV
Export your book from your LOS and upload the file. FlowState reads 378 column spellings across 62 fields, so an Arive export maps itself; other exports map most of the way, and you place the remaining columns once. Upload next month's export and existing clients and loans update in place.
What the import needs
A past client reaches the recapture list when their closed loan carries its rate, amount, term, and funded date. A loan missing one of those is skipped until an upload fills it in.
Support is by email at support@flowstate.mortgage and through the in-app feedback box, during business hours. Feedback goes straight to the product team, and every submission is read.
Teams of 10 or more get dedicated onboarding, done with the team, and can ask for a custom agreement.
New features ship weekly. See what shipped each month
Key facts
Facts last checked
- Company
- FlowState Mortgage
- Legal name
- Flowstate Mortgage, LLC
- What it is
- Mortgage CRM software (web app). Not a lender: FlowState does not make or broker loans.
- Founded
- 2025
- Founders
- Connor McGarvey (CEO & Co-founder) and Josh Garza (Co-founder & CTO)
- Headquarters
- Dallas, Texas
- Website
- www.flowstate.mortgage
- Built for
- Independent loan officers and boutique lending teams
- Core offering
- One web app for the ranked five-move day, referral-partner health, rate-drop recapture, Outlook email and iMessage capture, five calculators on the client record, and review-and-send outreach.
- Price
- $149 per user per month
- Free trial
- 7 days free · $0 today · cancel anytime
- Contract
- Month-to-month; cancel anytime. Teams of 10+: custom agreements.
- Setup fee
- None
- Works with
- iMessage via FlowState Sync, Microsoft Outlook, and Arive book import (CSV). Text capture needs a Mac.
- Not included
- A loan origination system (LOS), a pricing engine, mass texting or blast campaigns, or a native mobile app.
- Support
- By email at support@flowstate.mortgage and through in-app feedback, during business hours.
- Release pace
- New features ship weekly.
- Changelog
- What shipped, month by month
Questions about FlowState
Is FlowState a mortgage lender?
No. FlowState Mortgage makes mortgage CRM software for loan officers. It does not make, broker, or fund loans, and loan files stay in your loan origination system.
Is FlowState Mortgage related to other companies named Flow or Flowstate?
No. FlowState Mortgage (Flowstate Mortgage, LLC, based in Dallas, Texas) makes mortgage CRM software for loan officers. It is not a lender or a mortgage broker, and it is not affiliated with other companies that use Flow or Flowstate in their names.
Who founded FlowState?
Connor McGarvey and Josh Garza founded FlowState in 2025. Connor is CEO & Co-founder; Josh is Co-founder & CTO.
Where is FlowState based?
Dallas, Texas. The product is a web app, so it works wherever your day happens; text capture runs from a Mac.
Is there a contract?
There is no annual commitment. FlowState is month-to-month at $149 per user per month under the standard Terms of Service, and you can cancel anytime. Teams of 10 or more can ask for a custom agreement.
Does FlowState replace my LOS?
No — and that's deliberate. Your LOS runs the loan: documents, disclosures, compliance files all stay in the system built for them. FlowState owns what the LOS ignores: who to call today, why, and what it's worth. Relationship health, rate recapture, daily priorities, client communication — the revenue side of your day. Two systems, zero overlap.
Does FlowState send my client data to an AI model?
The numbers never come from AI. Every score, dollar figure, and ranking is deterministic math — five weighted signals you can inspect, traceable to the loans in your pipeline. Tap any recommendation and FlowState shows its work. AI's job here is the writing, never the arithmetic: as AI-drafted briefings arrive, they will describe numbers that are already verified, and client records are anonymized before any model sees them. FlowState never sells your data.
What pricing plans are available?
One plan. Professional ($149/user/month) includes the full Intelligence Engine (daily briefing, relationship health, bounded task focus), the rate monitor with client recapture alerts, automatic text capture from your Mac and email capture from Outlook, the Growth room, the complete calculator suite with one-click email sharing, full CRM with pipeline management, analytics dashboard, self-service training resources, and easy cancellation anytime. Teams of 10 or more can contact us for volume pricing and dedicated onboarding. Every plan starts with a 7-day free trial.
Is there a free trial?
Yes. We offer a 7-day free trial with full platform access. This isn't a limited demo. You get the complete FlowState experience to evaluate whether it's right for your workflow. We're confident that once you experience the time savings, you won't want to go back to your old process.
See it on your own book.
7 days free · $0 today · cancel anytime
Rather ask first? Write to sales@flowstate.mortgage.