City First Mortgage: The Future of Lending Through Technology
City First Mortgage is not just another mortgage company, we are a technology platform built for the modern mortgage professional. We have invested in an interconnected tech stack that enables self-governance, helping loan originators and branch managers optimize profitability, performance, quality, and production.
The City First Mortgage Tech Ecosystem
Our platform is designed to empower mortgage professionals with the tools needed to streamline operations, close loans faster, and drive sustainable growth.
1
Loan Origination System (LOS) – Encompass, Enhanced by Matchbox Evo
A custom-built Encompass enhancement that increases efficiency through automation, workflow optimization, and advanced reporting.
2
AI-Driven Underwriting & Income Decisions – Lender Toolkit's Prism
AI-assisted underwriting ensures faster and more accurate income and credit decisions.
3
Modern Pricing Engine – Polly
A dynamic, cloud-based pricing engine that optimizes loan pricing in real time, improving margins and competitiveness.
4
Point of Sale System – nCino Mortgage Suite
A seamless, borrower-friendly POS that enhances the customer experience and simplifies loan applications.
5
Proprietary AI Assistant – 1stQ
A powerful AI tool for loan originators, enabling instant company policy lookups, and a Loan Doctor to help structuring & scenario guidance.
Expansive Loan Product Offerings
Technology alone isn't enough—you need loan products that fit every borrower's needs. At City First Mortgage, we offer an extensive range of loan products through both correspondent and broker channels, ensuring loan originators have the flexibility and solutions to serve every client.
1
Traditional Loan Products:
Conventional, VA, FHA, USDA, and Jumbo
2
Non-QM & Niche Lending:
Bank statement loans, DSCR, asset depletion, foreign national, ITIN, and more
3
Reverse Mortgage Division:
Dedicated team specializing in HECM, proprietary jumbo reverse, and reverse for purchase
4
Construction & Renovation Lending:
One-time close construction loans, FHA 203(k), Homestyle renovation, and custom construction solutions
5
Commercial Lending:
Bridge loans, DSCR, SBA, multi-family, mixed-use, and fix & flip financing
With access to one of the most diverse product menus in the industry, loan originators can confidently close more deals and serve more borrowers—no matter their situation.
Cutting-Edge Marketing Technology & Services
At City First Mortgage, we understand that marketing is the key to growth, and we've built a full-service marketing platform to help originators attract, nurture, and convert more leads.
Explore our marketing technology and services:
CRM & Lead Automation
AI-driven lead follow-up, email & SMS automation
Social Media Branding
Custom branded content, automated posts
Newsletters & Email Marketing
Professionally written, compliance-friendly campaigns
Lead Funnels & Landing Pages
High-converting campaigns to drive mortgage inquiries
AI Chat & Client Engagement Tools
Automated, personalized customer interactions
Recruitment Marketing
Tailored campaigns for branch managers looking to grow their teams
Intelligent Data
Data and market intelligence driving better growth decisions.
Lead Campaigns
High-quality leads for increased production.
Whether you need done-for-you marketing services or a powerful DIY tech platform, City First Mortgage provides the marketing tools to help you stand out and scale.
Seamless & White-Glove Onboarding Experience
We understand that making a transition to a new platform is a big step. That's why we provide a white-glove onboarding experience to ensure a smooth and stress-free start.
1
Dedicated Onboarding Team:
Our specialists handle your transition, from licensing and system setup to marketing and operations.
2
First Impressions Call:
Every new team member is introduced to department heads and key contacts, ensuring you know exactly where to go for support.
3
Comprehensive Technology Training:
We provide hands-on training sessions on our entire technology platform, so you can hit the ground running.
4
Ongoing Support:
We remain engaged with you through your first few months to ensure you maximize the tools and resources available.
From day one, our goal is to set you up for long-term success.
A Thriving Community & Ongoing Support
At City First Mortgage, you're not just joining a company, you're becoming part of a collaborative and growth-focused community.
1
Regular Company-Wide Trainings
Stay ahead of industry changes and improve your skills with ongoing professional development.
2
The All-In Thursday Call
A weekly company-wide meeting where we share updates, insights, and success strategies.
3
Dedicated Licensing Department
We handle the complexities of multi-state licensing, keeping you compliant and ready to originate.
City First Mortgage is more than just a workplace—it's an ecosystem of support, education, and collaboration designed to help you thrive.
The Four Tenets of Self-Governance
At City First Mortgage, we believe in empowering our professionals to operate with autonomy while maintaining high standards. Our platform is built around four key tenets:
1
Profitability
Technology that reduces costs, increases margins, and provides smarter pricing and decision-making tools.
2
Performance
Automation that minimizes manual tasks, enabling loan officers and branches to focus on production rather than admin work.
3
Quality
AI and analytics that ensure better loan quality, leading to fewer conditions, faster closings, and stronger borrower experiences.
4
Production
A streamlined tech stack that eliminates bottlenecks, helping you scale your business efficiently.
Join the City First Mortgage Technology Platform
We are redefining what it means to be a mortgage lender, where cutting-edge technology meets a culture of self-governance. Whether you are an independent loan officer or a branch leader looking for a platform to scale, City First Mortgage provides the tools, automation, AI, product diversity, marketing solutions, and world-class onboarding to make it happen.
Let's talk about how City First Mortgage can power your success. Are you ready to join the future of mortgage lending?