The Operating System for Mortgage Growth
Transforming how mortgage companies operate with intelligent, integrated solutions.
The Big Problem: Mortgage Companies Are Flying Blind
Delayed Profitability Visibility
Profitability visibility is delayed and disconnected from day-to-day operations
Tracking Difficulties
Loan officer productivity is difficult to track, coach, or scale
Chaotic Processes
Recruiting and onboarding are chaotic, unmeasured, and inconsistent
Market Reality: Legacy Systems Weren't Built to Run a Mortgage Company
Limited LOS Platforms
LOS platforms power loan origination—not leadership or operations
Excel Dependency
Most leaders manage performance in Excel and tribal knowledge
Intelligence Necessity
Margin compression makes real-time intelligence a requirement, not a luxury
"We needed a system to run the business, not just close loans."
Introducing CityOS: One Command Center. Three Critical Levers.
CityOS™ is the first modular operating system that unifies:
Real-time profitability intelligence
Comprehensive financial visibility at every level
Loan officer productivity tracking
Performance metrics that drive results
Recruiting and onboarding workflows
Streamlined talent acquisition and development
Profitability Module: Real-Time Profit Forecasting
Comprehensive Financial Intelligence
Loan-level P&L: Revenue, comp, overrides, fees, expenses
Forecast branch, LO, and company profitability
Visualized margins and contribution down to the loan
Pipeline views of best case, worst case and most likely to close with expected revenue
Loan Visibility
Complete transparency into every transaction
Real-Time Access
Continuous profitability monitoring
Financial View
Comprehensive financial perspective
Productivity Module: Track Execution. Coach Performance.
Monitor daily G4 plans
Track Goals, Contacts, Starts, and Closes in real-time
Surface key metrics
Stage conversion, time-to-close, fallout rate
Integrate data sources
Combines CRM + LOS data into one actionable dashboard
Empower sales leaders
Accountability by the numbers, elevated negotiations
Front Door Module:
Recruit Smarter. Onboard Faster.
Candidate Sourcing
Streamline recruiting pipeline with funnel visibility
Onboarding Process
Launch onboarding checklists across departments
Productivity Ramp-Up
Track new hire ramp-up and first 90-day productivity
Recruiting Pipeline Visibility
- Source tracking and attribution
- Interview scheduling and feedback
- Offer management and acceptance rates
- Financial budgeting & growth planning
Structured Onboarding
- Department-specific checklists
- Training completion tracking
- Performance milestone monitoring
- Equipment deployment & tracking
Why We're Different: Built for Operators, Not Originators
CityOS provides comprehensive solutions where traditional systems fall short, delivering the complete operational intelligence mortgage companies need.
Mobile-First Platform: Powerful Management on the Go
Real-Time Profitability
Review loan-level P&L metrics anywhere. Make instant decisions based on accurate financial data.
Sales Tracking
Monitor G4 execution and daily activities between appointments. Keep teams accountable from anywhere.
Seamless Onboarding
Complete recruiting tasks and onboarding checklists on the move. No app downloads required.
Unlike legacy platforms that falter on small screens, CityOS delivers full functionality across all devices. Mortgage leaders can make data-driven decisions anywhere, anytime.
Business Model & Traction: Modular SaaS, Ready for Scale
Enterprise
Professional
Starter
Flexible Subscription Model
- Tiered subscription based on users + modules
- Enterprise support and onboarding add-ons
- Live deployment inside City First Mortgage with active feedback loop
Core Modules
Profitability, Productivity, Front Door
Cloud-Based
Accessible anywhere, anytime
Support
Enterprise-level assistance
Market Opportunity: The $10B Infrastructure Gap in Lending
Massive Untapped Potential
- 4,000+ independent mortgage companies in the US
- Most lack centralized profitability and performance intelligence
- Expansion potential into title, real estate, and insurance verticals
"CityOS is the Salesforce + QuickBooks + ClickUp of mortgage ops."
Vision & Roadmap: This Is Just the Beginning
Current Modules
Profitability, Productivity, Front Door
Coming Soon
Comp modeling, Marketing Attribution, Branch Health Index
Future Integrations
Payroll, HR, BI tools, and partner CRMs
End Goal
A plug-and-play OS layer for the full mortgage lending finance stack
Expanding Ecosystem
Building a comprehensive platform that addresses every aspect of mortgage company operations, from recruitment to revenue optimization.
Integration Strategy
Creating seamless connections with existing mortgage technology while providing the operational intelligence layer that's been missing.
The Ask & Invitation: Let's Build the Future of Mortgage Leadership
Strategic Partnership
Seeking strategic capital, insight, and go-to-market partnership
Advisory Network
Looking for early advisors and aligned visionaries
Flexible Collaboration
Open to equity, beta pilot collaboration, or capital participation
"Join us in transforming how mortgage companies operate from the inside out."