Total Expert

Total Expert is a customer and outreach platform for mortgage lenders, banks, credit unions, and insurers. It suits financial-services teams that want customer signals, sales workflows, and marketing tools in one system. Its free tier covers useful CRM and campaign basics, while Premium charges $100 a month per user for added sales-prioritization tools.

Overview

Total Expert combines customer data, staff workflows, and outreach in a system it calls a Customer Operating System. The financial-services focus connects customer signals to sales and marketing functions, which is useful for organizations managing borrower and referral relationships. That specialization is also its boundary: teams outside mortgage lending, banking, credit unions, or insurance may have less reason to choose it over a broader CRM. Total Expert was founded in 2016 and is headquartered in Minneapolis, Minnesota.

Key features

Customer signals and sales workflows

Customer IQ enriches profiles with financial signals such as credit inquiries, equity changes, rate opportunities, new listings, and life events. These cues give teams context for timely outreach. Sales Center adds lead routing and nurturing, pipeline visibility, a mobile app, text messaging, and prioritized lead lists, giving sales staff a path from a signal to follow-up.

Campaigns, compliance, and AI

Marketing Center supports multichannel Journeys, targeted campaigns, and a library of compliant email, social, and print content. Email and SMS workflows include approvals, reporting, and auditing for TCPA and CAN-SPAM compliance, a useful fit for regulated outreach. The AI Sales Assistant is described as handling voice conversations to qualify prospects, schedule appointments, and warm-transfer them to loan officers.

Security and integrations

Total Expert says its integration library includes more than 55 industry integrations. Its security approach is informed by the NIST Cybersecurity Framework and AWS Well-Architected Framework, and it states that it is SOC 2 compliant. Access controls include single sign-on, multi-factor authentication, precise privileges, and adaptive authentication using device reputation, location, IP address, and user behavior. Customer data is hosted in U.S.-based AWS data centers with 24/7 physical security.

Support is available by email or live chat, Monday–Friday 8 a.m.–7 p.m. CT and Saturday 9 a.m.–5 p.m. CT.

Pricing

The Complimentary plan costs nothing. It includes unlimited inbound co-marketing connections, CRM access, an open-house lead capture app, single-property websites, home valuation landing pages, print marketing tools, marketing automation, and Zillow Tech Connect, Office365, and BombBomb integrations. It is a substantial starting point for teams that need core CRM and marketing functions without a subscription, though it does not include Premium’s sales-prioritization features.

Premium costs $100 a month per user. It includes everything in Complimentary plus Focused View, Daily Call Lists, Prioritized Lead Lists, and an event registration app. The plan is capped at up to 20 users, so it suits teams needing those sales tools within that limit; organizations requiring more seats should weigh that cap before committing. The price is per user, so costs rise with the number of users.

Platforms

Total Expert supports Android, iOS, web, and API access. Its mobile app is relevant for staff who need sales workflows away from a desktop.

Who it's for

Total Expert is built for mortgage lending, banking, credit unions, and insurance. It is particularly suited to organizations that want financial customer signals, borrower and referral partner management, loan pipeline tracking, and marketing automation connected in one platform. General-purpose CRM buyers without those industry needs may not benefit as much from its specialization.

Pros and cons

• Pros: Customer IQ pairs financial signals with sales workflows, helping teams turn customer context into outreach.
• Pros: The free plan includes CRM, marketing automation, print tools, and several integrations, giving teams a meaningful way to start without a monthly charge.
• Pros: Compliance workflows include approvals, reporting, and auditing for email and SMS, alongside detailed access controls.
• Cons: Premium costs $100 per user per month, making its added sales-prioritization features a significant per-seat commitment.
• Cons: Premium supports up to 20 users, which limits its fit for larger teams needing those features.
• Cons: Its financial-services specialization may be less useful for businesses outside the stated target industries.

Alternatives

For a broader comparison of industry-focused options, browse Financial Services CRM Software or Mortgage CRM Software.

• Zoho CRM is a freemium alternative with a free plan for three users and a free trial; consider it if a small team wants a general CRM rather than Total Expert’s financial-services specialization.
• AdvisorCRM offers a free Core CRM plan for up to three users and unlimited contacts, making it an option for teams looking for a smaller free CRM setup.
• AdvisorEngine CRM costs $69 a year per user, billed annually, with a three-user minimum and priority support; consider it if that stated seat minimum and annual billing suit your team.
• Aidium is another paid CRM option.
• DealCloud is a paid alternative.
• Dynamo CRM & Deal Management is a paid alternative.
• Pega CRM is a paid web-based option with a free trial.
• Cloudsquare starts at $75 per user per month for its Broker plan, which may suit readers comparing per-user paid options.

Verdict

Total Expert is a strong fit for mortgage, banking, credit-union, and insurance teams that want financial customer signals tied directly to sales and compliant marketing workflows. Its free plan makes the core toolkit accessible, but Premium’s $100.00 USD per-user monthly price and 20-user cap matter for teams seeking prioritization features. Choose it for its industry-specific connection between customer context and outreach; look elsewhere if your organization needs a broader CRM or Premium capacity beyond 20 users.