Attract, Build & Nurture Your Customer Relationships


FinLocker offers the next generation technology engagement solution that empowers mortgage lenders, originators, servicers, credit unions, banks, credit and housing counselors to provide their customers with personalized financial solutions and a path to homeownership.

Improve the Financial Health of Those Who Matter Most to Your Business

Compliment your CRM and POS tech stack with a private-labeled homeownership focused financial fitness platform reflecting your brand and value proposition for customer acquisition, nurturing, and retention.

Consumer-permissioned data and proprietary analytics drive FinLocker to deliver personalized financial journeys that help consumers achieve and sustain homeownership, enabling financial institutions to efficiently manage their customer pipeline and provide seamless borrowing experiences that create customers for life.


Mortgage lenders and loan originators use FinLocker to attract new customers and nurture homebuyers toward mortgage readiness.


Mortgage lenders and servicers use FinLocker to retain and recapture homeowners, creating customers for life.


Credit unions and banks use FinLocker to attract new members, improve their financial fitness and help them to achieve homeownership.

Financially Challenged

FinLocker compliments the advice credit and housing counselors provide to clients repairing credit and improving their financial health.

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

Whether your customers want to purchase a home in the next few months or are years away from purchasing, FinLocker can help improve their financial fitness and understanding of the homebuying process. FinLocker provides tools and resources to help all users build and maintain their credit, manage their finances, budget, and save to achieve their financial goals. Homebuyers and homeowners can access additional tools and receive persoanlized action plan to qualify for a mortgage and sustain homeownership.

A personalized path to achieve financial fitness

Data driven journeys based on financial goals

FinLocker engages with each consumer on behalf of their sponsoring lender or financial institution using their chosen homeownership goals and their consumer-permissioned financial data.

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

A personal path to achieve homeownership

Personalized homeownership journeys

FinLocker places each consumer on a personalized data-driven journey based on where they are in the homeownership process.

Homeowners can learn how to sustain homeownership, build their household wealth and achieve other financial goals.

Homebuyers can track their progress toward mortgage readiness

My Homeownership Snapshot analyzes enrolled financial data to show homebuyers in real-time where they are on their journey towards being mortgage-ready in just a few minutes.

Homebuyers receive personalized an action plan to improve their credit score, continue saving for their down payment or reduce their debt-to-income ratio.

When homebuyers achieve mortgage readiness they are encourgaged to share the results of their Homeownership Snapshot with their loan officer to get pre-qualified.

Calculate home affordability

Proprietary and advanced analytical technology calculates an affordable home budget with a monthly mortgage payment that fits a consumer’s income and recommends how much they should save for their down payment and closing costs. Consumers can quickly create a trackable 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.

Search for a new home and monitor your home value

 Search for a new home & monitor home value

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

Homes eligible for down payment resources are highlighted.

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

Homebuyer education on the mortgage process

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.

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.

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.

Latest FinLocker News

How a mortgage lender returned 90% ROI using FinLocker to attract, engage and nurture homebuyers

View Case Study

FinLocker integrates with Shape Software CRM to empower mortgage originators with data-driven consumer insights

Read the Announcement

FinLocker raises $17 million in Series B funding to transform the consumer home buying experience

Read the Announcement

Brian Vieaux & Chris Hazen live demo FinLocker 4.0 on May 6 and preview of our roadmap

Watch Demo Recording

FinLocker Partners

Infosys is a FinLocker Partner
homegenius real estate is a FinLocker partner
Sagent FinLocker partner
Total Expert FinLocker partner
FinLocker partners with Shape Software
Argyle FinLocker partner
eCredable FinLocker partner
Fiserv FinLocker partner
Microsoft FinLocker partner
THe Mortgage Collaborative FinLocker partner
THe Mortgage Collaborative FinLocker partner
Broker Action Coalition is a FinLocker partner
Matic FinLocker partner
Matic FinLocker partner
Ellie Mae FinLocker partner
LoanSense FinLocker partner
America's Homeowner Alliance partner

Companies That Trust FinLocker

Amerifirst Home Mortgage client
Flagstar Bank client
Vetted VA is a FinLocker client
Mortgage Markets CUCO is a FinLocker client
Union Plus Mortgage Company client
NEO Home Loans FinLocker client
Ribbon Mortgage FinLocker client
AmeriHome Mortgage FinLocker client
MoCaFi FinLocker client
Paramount Residential Mortgage Group client
MoCaFi is a FinLocker client
Union Plus Mortgage Company client
HomeFree USA client
EPM Equity Prime Mortgage client
Delmar Mortgage client
UMortgage is a FinLocker client
American Financial Network FinLocker client
Amerant Mortgage FinLocker client
Capital Center FinLocker client
HomeFree USA client
Amerant Mortgage FinLocker client
AmeriHome Mortgage FinLocker client
Capital Center FinLocker client
Delmar Mortgage client
Amerant Mortgage FinLocker client
HomeFree USA 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.