Cinch
Start free

For US mortgage brokers

Stop chasing paperwork.
Start closing loans.

Send one link. Borrowers upload from their phone — no app, no password. Everything lands in one review list, and you approve with a keystroke.

Start freeSee the 2-minute demo

No card needed.

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Example pipeline. Every name and number is fictional.

Illustration with example data: the Cinch dashboard for Example Home Lending. Today 2 loans need you, 1 closes this week, 2 are waiting on borrowers, and there are 4 active loans worth $1.6M. Up next: Priya Patel’s homeowner’s insurance binder is ready for your review. Pipeline: Robert Williams, VA, $420,000, underwriting, all 11 documents approved, closes Oct 24; Priya Patel, FHA, conditional approval, 10 of 11 approved; Marcus Rodriguez, conventional self-employed, processing, 9 of 15 approved; Sarah Chen, conventional W-2, intake, 0 of 9.

One loan, start to lender.

Meet Robert Williams, buying in Norfolk with a VA loan. Here’s how his file got to underwriting.

New loan

Pick the loan. The checklist writes itself.

Choose VA and Cinch lists the 11 documents Robert’s loan needs, Certificate of Eligibility and DD-214 included. Conventional · Self-employed adds business returns and a P&L the same way.

Add-ons like gift funds will add their own documents. Coming soon

Illustration with example data: Cinch’s new-loan screen. A hand-typed needs list is replaced by Cinch’s checklist. With VA selected, Robert will be asked for 11 documents: Government-issued photo ID; Social Security card or W-2 with SSN; Most recent paystubs (covering 30 days); W-2s from the last 2 tax years; Federal tax returns (last 2 years, signed, all schedules); Bank statements (most recent 2 months, all accounts); Fully-executed purchase contract; Earnest money deposit receipt; Homeowner's insurance binder; and, added for VA, Certificate of Eligibility (COE); DD-214 (or Statement of Service if active duty). A gift funds add-on is coming soon.

Every page

Cinch will read every page., Coming soon

When a page is missing, Cinch will catch it and ask Robert for it — before you ever open the file.

Available now: press R, type the reason, and Robert sees exactly what to fix the next time he opens his link.

Illustration of a coming-soon feature, with example data: Robert’s 4-page bank statement arrives with pages 1, 2 and 4. Cinch will notice page 3 is missing, mark it Sent back, and ask Robert for it: Page 3 of 4 isn’t in the upload. Underwriting needs every page, even a blank one. Robert sends page 3, and the statement goes to your review list with all 4 pages.

Review

Approve with one key. Watch the strap close.

Every upload waits in one list. Press A to approve, R to send it back with a reason, or ⇧A to approve everything that’s ready — and undo if you change your mind. Robert’s strap fills as you go and buckles when the last document is approved.

A approves · R sends back · ⇧A approves everything ready

Illustration with example data: Robert Williams’s VA loan in the review list. Six documents need your review. Alex approves the paystubs and W-2s with the A key, then approves the tax returns, bank statements, earnest money receipt and insurance binder at once with Shift A. Every row turns to Approved, an Undo option appears, and the progress strap reads 11 of 11 approved with its buckle closed.

To the lender

Cinch will package the file for your lender., Coming soon

Cinch will export Robert’s application as a MISMO 3.4 file for your lender’s portal or LOS, and record the moment you mark the file sent. You choose where it goes — Cinch won’t submit anything on its own.

Available now: Download all puts every document on the loan in one zip, filed by category.

Illustration of a coming-soon feature, with example data: Robert’s approved file, a MISMO 3.4 file and a loan packet · 11 documents, moves from his loan to Example Wholesale Lending and is marked sent on Oct 14. The loan moves from processing to underwriting.

Security

Built for what’s at stake.

Mortgage borrowers hand you their financial life. Cinch was built to handle that the way a private bank does — not the way a SaaS handles a contact form.

What Robert sees at the bottom of his checklist

Encrypted in transit and at rest. Shared only with your loan team at Example Home Lending.

Example audit trail for Robert Williams’s loan: Alex Morgan approved the homeowner’s insurance binder, just now; Alex Morgan revealed Robert’s full SSN, and the log keeps only the field name, 6 minutes ago; Robert uploaded his bank statements, 1 hour ago; Robert opened his checklist, 1 hour ago.

  • Two-step sign-in, Live

    Every broker login needs a code from an authenticator app. It’s mandatory — there’s no off switch.

  • Encryption, Live

    AES-256 at rest. TLS 1.3 in transit. Social Security numbers and dates of birth are also encrypted field by field (AES-256-GCM) before they’re stored.

    We’re moving those field keys into AWS KMS — a data key per brokerage, every key use logged. Coming soon Account numbers read from uploaded documents aren’t field-encrypted yet.

  • Audit trail, Live

    Per-action audit log — every read, every write, every download — kept for 7 years under our own security policy.

  • Your brokerage only, Live

    Every loan, document and borrower lookup is scoped to your brokerage, and anything that isn’t yours reads as not found.

Read the full security overview

Pricing

Pay when you close., Coming soon

Start free today — no card needed. When billing starts, Cinch will charge per closed loan, and demo and withdrawn loans will never cost a thing.

See pricing

Send your first link today.

Start free. No card needed.

Start freeSee the 2-minute demo

Cinch is in pre-launch.