Total Expert
5.8/10Total Expert is a CRM and marketing automation platform for mortgage lenders, banks, credit unions, and insurers that helps loan officers retain customers and generate deals.
Data last updated November 2026 · Our methodology
Overview
Total Expert, based in Minneapolis, sells what it calls a customer operating system for financial services. It is built for mortgage lenders, banks, credit unions, and insurers rather than for general businesses. The platform has four main parts. Customer IQ handles intent signals, enriched profiles, and consent awareness. Sales Center covers lead management and sales workflow. Marketing Center runs campaigns, journey orchestration, nurture programs, co-marketing with real estate agents, and a design studio. The newest part is a set of AI assistants, including a voice-capable AI Sales Assistant trained on mortgage use cases and an AI SMS Assistant. A mobile app and a reporting center are also included. The vendor says more than 200 financial institutions use it. It suits loan officer teams and lending institutions that want compliance-friendly templates, milestone communications, and retention campaigns tied to loan data. Integrations focus on mortgage systems: Encompass by ICE loan origination data sync, which is moving from the retired Encompass SDK to ICE's API, and the Optimal Blue pricing engine. Total Expert does not publish pricing, so buyers have to book a demo for a quote. The main limitation is how specialized it is. Outside lending and banking it has little to offer, and one comparison article calls it lighter on general B2B marketing flexibility than tools like HubSpot. Reviewers also mention integration hiccups, slow performance, and some clunky filtering.
Our Rating
CRM5.8/10
Marketing5.8/10
AI Software5.8/10
Who Total Expert is best for
Good fit
It is built for mortgage lenders, banks, credit unions and insurers, with Encompass and Optimal Blue integrations.
Its customers include banks, credit unions, and large mortgage lenders, and it holds SOC 2 and ISO 27001 compliance.
It is built around loan officer sales workflows, lead management, and AI sales assistants.
Campaigns, journeys, and co-marketing are core features, but they are aimed at financial services marketing only.
Regional banks and mid-size lenders are a large share of its customer base.
Less suited
- Real Estate4/10
It supports co-marketing with real estate agents, but its buyers are lenders, not agencies.
It is sold through demos and enterprise onboarding, which suits institutions more than very small firms.
It has no public pricing and is a poor fit outside financial services.
It is an enterprise platform sold through sales demos to financial institutions.
Pros & Cons
Pros
- It is built specifically for mortgage and banking, with compliance-friendly templates, consent tracking, and co-marketing with real estate agents.
- Its Encompass and Optimal Blue integrations tie loan data and pricing to marketing and sales outreach.
- It is SOC 2 compliant and ISO 27001 certified, and data is hosted in US-based AWS data centers.
- Reviewers often praise automated campaigns and nurture flows that save loan officers time. It is rated 4.5/5 on G2 and 4.3/5 on Capterra.
- It has added AI assistants for voice and SMS lead qualification that are trained on mortgage scenarios.
Cons
- There is no public pricing, so buyers must go through a sales demo to get costs.
- G2 reviewers report integration reliability problems, slow performance, and update issues.
- Some users find parts of the interface clunky, such as tag filtering, and feel it lags modern CRMs.
- Its general marketing flexibility is limited, and it is a poor fit outside financial services.
- At least one reviewer said its lead tracking is weak for use as a full CRM.
Key Features
Total Expert Pricing
Custom (Contact sales)
- AI assistants available
- Pricing by quote after a demo
- Customer IQ, Sales Center, Marketing Center
Frequently Asked Questions
Total Expert does not publish pricing and directs prospects to book a demo. A Capterra listing shows a starting price of about 40 USD per user per month, but the vendor has not confirmed this.
Yes. It syncs data from Encompass by ICE, and its 2025 release notes say it is helping customers move from the Encompass SDK to ICE's API as the SDK is retired.
Yes. Its security page says it is AICPA SOC 2 compliant, shows an ISO 27001 certification from A-LIGN, and hosts data in US AWS data centers.
It is built for mortgage lenders, banks, credit unions, and insurers, especially loan officers and the marketing teams that support them.
Yes, Total Expert lists a mobile app as part of the platform.
The vendor offers onboarding, professional services, support, and an Expert Academy training program. Capterra reviewers rate customer support at about 4.5 out of 5.
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