Everything in one CRM

Every feature a loan officer
actually uses.

Capto replaces your texting app, drip tool, document tracker, and pipeline spreadsheet with one AI-native CRM built for mortgage.

Live demo

Watch the AI respond to a real lead

Pick a scenario and see how Capto qualifies, builds trust, and books the meeting — in seconds, not hours.

Choose a lead

M

Marcus T.

+1 (415) 555-0142

AI active

Conversation starting…

Avg first response: < 60sTry with your leads
Compliance built in. Every number is sent through a 10DLC-registered campaign with your approved brand and use case. The AI only messages leads who opted in via your forms or replied first, and it includes identification, business hours, and STOP/HELP keywords on the first reply — per TCPA and CTIA guidelines. Replies of STOP, UNSUBSCRIBE, or END instantly suppress the contact, and consent + opt-out events are logged for audit.
Screenshots

See the product, not just the pitch

A peek at the surfaces you'll spend the most time in.

Sarah C.
Rate shopper
AI active
Hi, saw your ad. What rates can you offer on a $425k loan?
Hey Sarah! With a 740+ score we're at 6.25% on a 30-yr fixed today. Want me to grab a 15-min slot Thursday to walk through it?
Yes please — 2pm works
Booked ✅ Calendar invite sent.
SMS AI
AI replies in seconds, books the meeting

Your custom-trained agent qualifies leads, answers rate questions, and drops a calendar link — without you lifting a finger.

Pipeline
$4.2M
New8
Contacted5
Pre-Approved3
Closed2
Pipeline
Every lead, every stage, one board

Drag-and-drop kanban with loan amount, stage value, and document status — so nothing slips through the cracks.

Leads
247
Reply
14s
Conv
32%
MonTueWedThuFriSatSun
Analytics
Know what's working, double down on it

Track response time, conversion by source, and pipeline velocity. Spot bottlenecks before they cost you a deal.

Swipe to explore →
Speed-to-lead

AI that answers leads in seconds

Replies in under 60 seconds, qualifies borrowers, and books the meeting — even at 11pm.

Two-way AI SMS

Carrier-grade messaging through your own Twilio number. Inbound replies trigger AI auto-responses tuned to your tone.

  • 10DLC compliant
  • Bring your own Twilio
  • Threaded conversations

Custom AI agent

Train the agent on your loan programs, rates, and voice. It qualifies, schedules, and hands off warm leads.

  • Custom prompts (Pro)
  • Lead qualification
  • Smart hand-off

Multiple numbers, smart routing

Run separate Twilio numbers for conversations, campaigns, drips, and milestone alerts — your AI agent picks the right one per workflow automatically.

  • Up to 5 numbers (Pro)
  • Per-workflow routing
  • One default fallback

Rate lock & milestone alerts

Borrowers and LOs get notified the moment a rate locks, a doc clears, or a milestone slips.

  • Real-time alerts
  • Borrower notifications
  • Custom triggers
Pipeline

A pipeline built for mortgage

Track every deal from lead to clear-to-close with stages, milestones, and document checklists.

Deal pipeline

Drag-and-drop stages tailored to mortgage: Lead → Application → Processing → Underwriting → Closed.

  • Visual kanban
  • Custom stages
  • Stuck-deal alerts

Document checklists

Per-deal document templates so nothing falls through the cracks. Borrowers see what's missing.

  • Template library
  • Borrower portal view
  • Status tracking

Branded borrower portal

A clean, mobile-first portal where borrowers upload docs, see milestones, and message you.

  • Your logo & LO avatar
  • Mobile-first
  • Pro plan
Growth

Marketing that runs itself

Email and Google Business Profile campaigns triggered by behavior, not by you remembering.

Drip campaigns & email builder

Drag-and-drop email builder with mortgage-specific templates. Schedule drips by stage or tag.

  • Visual builder
  • Behavior triggers
  • Unsubscribe handling

Google Business Profile + AI posts

Connect GMB and let AI draft and schedule rate updates, market commentary, and testimonials.

  • 1-click connect
  • AI content generation
  • Scheduling

Analytics & reporting

See response times, pipeline velocity, and which campaigns actually drive applications.

  • Pipeline velocity
  • Response-time SLAs
  • Campaign ROI
Run your business

Everything you need to run the back office

Contacts, teams, search, and billing — handled, so you can focus on closing loans.

Contacts & lists

Full CRUD with CSV import/export, smart lists, and a per-contact timeline showing every SMS, deal, and milestone.

  • CSV import/export
  • Smart lists & filters
  • Activity timeline

Team & multi-business

Invite up to 5 teammates on Pro, switch between businesses in one click, and keep data separated per workspace.

  • Up to 5 seats (Pro)
  • Multi-workspace
  • Role-based access

Global dashboard search

Find any contact, deal, or conversation from anywhere — keyboard-first with instant results.

  • Instant search
  • Cross-entity results
  • Keyboard shortcuts

Self-serve billing

Upgrade, downgrade, or cancel anytime. Secure checkout with instant plan activation and clear receipts.

  • Secure checkout
  • Instant activation
  • Cancel anytime

The foundation underneath

Boring on purpose. Compliance, security, and pricing you don't have to think about.

Compliance & security

TCPA-aware messaging flows, 10DLC registration support, encrypted data at rest and in transit, row-level security per account.

Built on modern infrastructure

Twilio for SMS, OpenAI for AI, and a fast TanStack/Postgres stack so your CRM never feels slow.

Flat pricing, no per-seat fees

$69 Basic and $129 Pro. Up to 5 seats included on Pro. No surprise overages — we tell you before you hit a limit.

See it running in your pipeline

14-day free trial. No credit card. Bring your own Twilio number and be live in under 10 minutes.

Start free trial