About

The rails for
modern mortgage.

Built by an originator who has been in the business since 2009, across IMB retail, consumer-direct and wholesale. In production daily on real loan files. Retail and IMB lenders are spending heavily on captive AI for the LOs they employ, but that tech doesn't travel when the LO does. Cal is the portable stack the independent channel needs.

One rule runs through every product decision: AI makes the loan officer better, it never replaces them. Cal answers with the section and the date. The licensed loan officer makes the call.

Chris Black
The operator

Chris Black

Founder, Cal · Recovering Loan Officer
Contact
chris@askcal.io
(925) 286-7681 · Book 15 minutes
Writes
Find me
LinkedIn
Track record
In originations since 2009 across IMB retail, consumer-direct and wholesale.
Chairman's Elite, loanDepot, 2011 to 2021. Vice President, Guaranteed Rate.
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Cal Inc. is a Delaware C-corp. Cal is a software product, not a lender, broker, or loan originator. Nothing herein constitutes an offer to sell or a solicitation to buy securities.