Re-imagine Your Customer Relationships.


FinLocker offers the next generation in customer relationship-based performance marketing to empower mortgage originators, lenders, servicers, banks, credit unions, and credit counselors to provide their customers with personalized financial solutions and experiences.

Improve the Financial Health of Those Who Matter Most

Compliment your CRM and POS tech stack with a high-tech, high-touch, private-labeled financial fitness platform reflecting your brand and value proposition for lead acquisition, nurturing, and conversion.

Consumer-permissioned data and proprietary analytics drive FinLocker to deliver personalized financial insights with patented technology, enabling financial institutions to efficiently manage their customer pipeline and provide seamless transaction experiences that create customers for life.


Mortgage lenders use FinLocker to nurture their homebuyers towards mortgage readiness and streamline the mortgage process for both parties.


Mortgage servicers, banks and credit unions use FinLocker to retain and recapture homeowners, creating customers for life.


Banks and credit unions use FinLocker to retain consumers, cross-sell products, and help LMI customers improve their loan eligibility.

Credit Challenged

FinLocker compliments the advice credit counselors provide to their clients repairing their credit.

FinLocker is the All-in-One App to Achieve Financial Fitness and Mortgage Readiness

FinLocker provides the tools and resources to help consumers build and maintain their credit, manage their finances, budget, save, and achieve their financial goals. Homebuyers and homeowners have access to additional tools to get them mortgage ready and sustain homeownership.

A personalized path to achieve financial goals

Monitor and improve credit health

FinLocker users have access to their credit score, credit report, and credit monitoring powered by TransUnion. They’ll be notified when their credit score increases or decreases, track their credit history, and if any inquiries and/or alerts are placed on their credit report.

Single pane-of-glass view of financial life

Consumers receive a consolidated, real-time view of transactions in their banking accounts, credit card accounts, auto loans, student loans, retirement, and investment accounts.

Make informed financial decisions

Proprietary Spending Analysis categorizes every transaction in the enrolled accounts and provides a visual spending summary. Consumers see where they’re spending their income, so they can make informed financial decisions, receive personalized and actionable recommendations, and prepare for their lending transactions.

Make informed credit actions and decisions

The interactive credit simulator takes the guesswork out of credit decisions by showing consumers how the decisions they make can lower or increase their credit score in the future.

Establish savings goals, budget and track progress

Create savings goals, custom budgets, and project cash flow to save for down payment and closing costs, pay down debt, and plan how to achieve short-term and long-term financial goals.

Educational resources improve financial literacy

An extensive library of videos and articles embedded throughout the platform on home buying (English and Spanish), home equity, auto loans, insurance, paying for college, credit cards, and credit management improves financial literacy.

A personal path to achieve homeownership

Homebuyers can see where they are in the mortgage process

The Readiness Assessment analyzes enrolled financial data to show homebuyers where they are on their journey towards being mortgage-ready in just a few minutes.

Homebuyers will learn if they need to improve their credit score, payment history, continue saving or reduce their debt-to-income ratio, then create goals and budgets to improve their loan eligibility.

Calculate home affordability

Proprietary and advanced analytical technology calculates an affordable home budget with a monthly mortgage payment that fits a consumer’s income, recommends how much they should save for their down payment and closing costs for Conventional, FHA, and VA mortgage programs. Consumers can quickly create a goal to save for their cash to close.

Homeowners can use the early payoff, debt consolidation, and HELOC calculators then connect directly to their loan officer through the app to begin their loan transaction.

Securely store financial and personal documents

Everyone with a FinLocker account can securely store their personal and financial documents, including tax returns, W-2s, pay stubs, and insurance, that can be later shared with their lender using a patented process for their mortgage application. Data is protected with bank-level security, and stored using AES-256 encryption.

Search and monitor home

Homebuyers can start home search directly from the app. They can set search criteria based on neighborhood, # of bedrooms, price, etc., and save favorite properties.

Homeowners can monitor their home’s value and equity and see homes recently sold in their neighborhood.

Consumer permissioned sharing of data and documents streamlines mortgage applications

Homebuyers can securely share data and documents from their app with their loan officer using a unique patented process to start their mortgage application. Data is encrypted in transit and at rest, protecting both consumer and lender.

The shared data essentially prefills the mortgage application, streamlining the application process for both originators and homebuyers.

Educational resources to prepare for homeownership

An extensive library of videos on Preparing for Homeownership, Common Mortgage Terms, Loan Products Overview, Steps in the Mortgage Process, Closing on Your Loan, After Closing prepares homebuyers for the mortgage process and homeownership.

Additional articles and videos on Home Buying (in English and Spanish), Home Equity, Insurance, and Credit Cards educate on the responsibilities of homeownership.

See how FinLocker nurtures first-time homebuyers towards mortgage readiness

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FinLocker Partners

Infosys is a FinLocker Partner
Sagent FinLocker partner
Total Expert FinLocker partner
Argyle FinLocker partner
HomeScout is a FinLocker partner
eCredable FinLocker partner
Fiserv FinLocker partner
Microsoft FinLocker partner
THe Mortgage Collaborative FinLocker partner
THe Mortgage Collaborative FinLocker partner
Matic FinLocker partner
Matic FinLocker partner
Matic FinLocker partner
Ellie Mae FinLocker partner
LoanSense FinLocker partner
HomeScout FinLocker partner
America's Homeowner Alliance partner

Companies That Trust FinLocker

Amerifirst Home Mortgage client
Synergy One Lending client
Flagstar Bank client
Art of Homeownership FinLocker client
MoCaFi FinLocker client
Delmar Mortgage client
Delmar Mortgage client
House X FinLocker client
Paramount Residential Mortgage Group client
Ribbon Mortgage FinLocker client
Union Plus Mortgage Company client
HomeFree USA client
EPM Equity Prime Mortgage client
Paramount Bank client
Bank of England Mortgage client
Paramount Bank client
UMortgage FinLocker client

FinLocker is Recognized by

FinLocker Creates Customers for Life

Create deeply engaging customer relationships that reflect your company’s brand and value proposition with your private-labeled FinLocker.

Questions? Check out our FAQs or Contact Us.