# Page 7 | The Mortgage Office Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 7 - Is The Mortgage Office the right Loan Origination solution for you? Explore 285 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/9277/The-Mortgage-Office/reviews --- The Mortgage Office 4.8 (285) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Page 7 - Reviews of The Mortgage Office ## Showing most helpful reviews Showing 151-175 of 285 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use MG Melissa G. Transaction Coordinator Financial Services Used the software for: 1-2 years ### "Review" September 18, 2020 3.0 I am happy w/ it and w/ the CS Pros It keeps everything in order and in one place Cons Need to work on features...call me we can discuss I have a running list. Tends to be too many steps to do one thing. Review Source JA Jennifer A. Data Specialist Non-Profit Organization Management Used the software for: 2+ years ### "Outstanding Service" December 14, 2016 5.0 The entire staff at TMO are awesome! They're always ready to help you with any questions or concerns you might have. I highly recommend this software to anyone who enjoys an easy life. Cons I've been using this for a few years and as of today, I can't think of any cons. Review Source JD Judy D. Administrator Investment Management Used the software for: 2+ years ### "Great Program" May 7, 2018 5.0 Pros statements, ability to sort specific information on files. Professional payout statements, good support. Cons Having to delete most recent transactions to correct a posting - would like the ability to correct an entry easier. Review Source MD Michela D. Executive Assistant Used the software for: 2+ years ### "Great tool with even greater reliability and functionality " May 8, 2018 5.0 Pros \- User friendly, easy to train new hires - Smart views are a great tool for collections - Emailing from TMO is easy Cons Can get a little pricey with the additional features you may need to have it run exactly how you want. Review Source GY Gwen Y. Executive Director Government Administration Used the software for: Less than 6 months ### "Experienced Professionals" October 5, 2021 5.0 We are transitioning from a "manual" loan servicing process utilizing excel spreadsheets to this automated loan servicing solution and are looking forward to gaining efficiencies with this robust software. Pros The software is comprehensive and captures both loan servicing and corresponding trust accounting transactions. The company's customer relations, sales, support and training staff are amazing professionals. They set this company apart from its competition. Cons We conduct annual reviews on our loans and it would be great if the software could capture spreads of tax returns and financial statements to have all of the financial data, insurance and collateral information in one repository. Reason for choosing The Mortgage Office Cloud hosting option, value and TMO professionals. Review Source SE Steven E. president Financial Services Used the software for: 2+ years ### "northstar mortgage investments, inc. review" January 14, 2019 5.0 running a small mortgage origination and servicing operation Pros it has allowed me to handle what my father's savings and loan took 15 people with myself and secretary Cons nothing to report. i have no complaints. Review Source AS Amanda S. President Financial Services Used the software for: 2+ years ### "Great Software" January 29, 2021 5.0 We have used The Mortgage Office since inception and love that it was cost effective when we were just starting out, but powerful enough to grow with us. Pros I really appreciate how easy this software is to us. I also love that I can log in from anywhere. Cons There seems to be a lot of updates. Any other problems we have had were easily solved with their great customer service. Review Source MA Mildred A. Controller Financial Services Used the software for: 2+ years ### "The WOW Servicing Software " December 6, 2016 5.0 TMO never fails to impress in their up-to-date upgrades and ease of use. Our company has been a customer for 8 years so far and are glad we chose their software. Pros Ease of use, extra modules for reporting to investors. Cons N/A Review Source DM David M. President Banking Used the software for: 1-2 years ### "Great Experience" August 29, 2016 5.0 The Mortgage Office has done a great job of adapting for the Canadian Market. The software and support provided for an easy transition for us. Thanks to The Mortgage Office we were able to discard our previous software which had dissappointed us and get up and running with The Mortgage Office in surprising time. Our investors are thrilled with the reports they receive generated by the program. Pros It is reliable, generally provides a user friendly experience, is quick to get going and/or transition and provides robust customizable reports which our investors really like. Cons The software has many templates with built in functionality which for the most part is fantastic. On the downside it is difficult if not impossible to change some of the reports to add explainations such as a discharge statement or the like. Review Source BK Bill K. Chief Lending Officer Banking Used the software for: Less than 6 months ### "Best fit for our company " January 2, 2019 5.0 So far our experience has been very good with TMO. They have been very responsive and flexible with some of our unique needs. Pros The ability to automatically debit loan payments via ACH, automatically post the loan payments and then push out the payment splits to all of our participants via ACH was critical for us and TMO delivered. Additionally, the software is built to serve smaller loan originators and servicers like us as opposed to other systems that are more geared toward larger users like a bank or credit union. We also felt that the software was more intuitive that others we had demoed. Cons We are just in the process of installing it so we haven't had an opportunity to really use it yet. The single biggest con we are aware of is that the software lacks open API's which will make it a little more difficult to integrate with our other systems. Review Source HM Harry M. VP Real Estate Used the software for: 6-12 months ### "Great Product and Outstanding Service" June 25, 2021 5.0 We are 7 month into using the software and we are happy with our decision the move to this package. Pros Technical Support Cloud based Wide range of tools and features built in Cons There is a bit of a learning curve because it does so much Yearly price is higher than other options we looked at but this is offset somewhat by their technical support Review Source PH Peggy H. Retail Servicing Manager Financial Services Used the software for: 2+ years ### "The Mortgage Office (TMO)" December 27, 2018 5.0 Pros The Smart View Option. I can now sort accounts by days past due for easy reporting. Cons That the Trust Balance includes any funds in reserve as well as escrow. Review Source AK Adam K. President Financial Services Used the software for: Less than 6 months ### "The Mortgage Office reviewed" September 27, 2021 5.0 Excellent customer service Pros Ability to add investor subscribers as well as MIC lenders Cons Need to narrow down specific tools we use for our company Reason for choosing The Mortgage Office Ability to add lenders onto specific files Review Source GB G B. Owner/President Used the software for: 2+ years ### "The Mortgage Office" August 24, 2017 5.0 Pros Customer Support is always there to help whenever it is needed. Good value for the money. Software is extremely versatile, and is easy to use. Review Source JF Jen F. Head of Operations Used the software for: ### "The Mortgage Office" May 8, 2014 5.0 The Mortgage Office software has been a vital tool in streamlining the operations and increasing the efficiency of our company. The information maintained by the software and attention to detail that it allows has been crucial in maintaining a high quality of service for our clients. In addition, the improvements to our internal reporting thanks to TMO has made a significant impact on our business. The support team for The Mortgage Office is very helpful. Applied Business Software/The Mortgage Office is very responsive to customers' needs. A notable point regarding TMO is that customization of the software is tricky. The support team is always available to help walk you through any confusing questions or ideas; however, if the product you are offering is highly customized, you may find it difficult to work within the TMO system. On the plus side, Applied Business Software is absolutely dedicated to listening to customer feedback, and that feedback does not just get filed away and ignored. That feedback leads to real results; the programmers have added a function to the system that our company had directly requested! To us, that is top quality customer service, and in return allows us to turn around and provide top quality service to our own customers. Review Source LK Lera K. Transaction Management Advisor Financial Services Used the software for: 6-12 months ### "Good product and customer service" April 29, 2021 5.0 Pros I like how efficient, simple and user friendly it is. Cons Sometimes it disconnects for no reason. Review Source SE Sarah E. office manager Real Estate Used the software for: 2+ years ### "web access" April 13, 2021 5.0 Pros It is now web based so I can use it anywhere I have internet access. Cons The way the calendar dates populate, it is a little bit hard to read. Review Source ST Simon T. Loan Servicing Specialist Financial Services Used the software for: 6-12 months ### "A strong tool " February 24, 2017 5.0 This is a powerful and useful program. In my old job, I serviced 60-80 active loans at any given time using work-arounds in Excel. It was a little stressful and time consuming with Excel. Now, in my new position, I comfortably service nearly 200 (and counting) active loans. The icing on the cake is the great customer support. They are very patient and really take their time walking you through your needs and questions. I highly recommend taking the two day training seminar at their offices after you've been using the program for six to twelve months. Review Source EG Elizabeth G. Marketing Director Financial Services Used the software for: Less than 6 months ### "Love the Loan office" September 24, 2020 5.0 Everything has been great! We have moved all of our loans over and starting to use the program on a daily basis to service our loans. Pros Very easy to use. The transition has been very easy. Cons No features we do not like. Everything is great so far. Switched from [Trakker](https://www.capterra.com/p/24581/Trakker/) Outdated Review Source KT Kelley T. VP of Operations Financial Services Used the software for: 2+ years ### "New User" October 31, 2022 5.0 Pros As a new user of TMO, I find the training and support to be top notch. Cons As a new user, I do not have any feedback in this category at this time. Review Source AC Amanda C. Lending Assistant Financial Services Used the software for: Less than 6 months ### "This new software is very comprehensive and will streamline our loan servicing." August 10, 2017 5.0 Streamlining our Servicing Procedures. Saving ample amount of time running invoices and reports manually. Pros That it allows my company to have a central database to view our portfolio in real time. I like that I have the ability to set the security for each user. I love that I can see an overview of all of the loans when i open the program as well. Cons Its a learning process, and it will take me some time to understand all of the functionality of the software. I am the only person that is setting up our portfolio, and I am really relying on the Help function, as well as customer support. Review Source CH Chandler H. COO Commercial Real Estate Used the software for: 1-2 years ### "Does everything you need it to do, and with a streamlined interface." September 11, 2017 5.0 Ability to focus on core business functions while still maintaining portfolio awareness. Pros Contains all necessary functionality and automates many day to day tasks. Reports and customization options gives you a quick way to find what you need to find rapidly and present those findings in a coherent manner. It does what it is supposed to do flawlessly. Cons Accounting interface to QuickBooks is new and limited in functionality. The initial implementation was a large amount of work and required tweaking once the data was in the system, but that is more or less par for the course with any new software. Review Source JN Joshua N. Partner Used the software for: ### "The Mortgage Office from the Perspective of the Auditor" August 5, 2014 5.0 Our firm has been auditing in the private lending, or more commonly referred to "Mortgage Pool", industry for nearly 20 years. As the partner lead of our firm's mortgage pool practice, I have been auditing clients that use The Mortgage Office for nearly 15+ years and I can attest to the fact that TMO is the most prevalently used software platform in the industry. From an audit perspective, the software is fantastic!! If used correctly and to it's fullest potential, the software is extremely reliable and produces a myriad of reports that are paramount to accurate record-keeping and the financial statement audit process. Although we are not hands on users of the software, we have an intimate experience with the software from an "accounting" and "auditing" perspective. TMO is the "go to" software of virtually all of our mortgage pool clients and unless prospective clients are looking to spend six figures plus on a custom software platform, we advise all of our prospects to strongly consider TMO as their software solution. Review Source JP Jeje P. Mortgage Administrator/Office Admin Financial Services Used the software for: 6-12 months ### "It was a very productive training" October 23, 2017 5.0 Makes our work much more easier. Pros It's very user friendly type of software and easy to navigate. It helps our day to day work much more easier . Cons not 100% catered in Canadian settings. it would be very nice in the future to be fully outfitted in Canada. Review Source VR Verified Reviewer Portfolio Manager Real Estate Used the software for: Less than 6 months ### "Great software, excellent team and sales and support staff " April 23, 2019 5.0 The ability to easily distribute professional looking payoffs, payments, statement of accounts and all of the reports they have built in allows an extra layer of transparency and keeps our clients satisfied. Pros The ability to customize everything and the straight forward help icons that walk you through the process. Cons There are a couple things that are counter intuitive, but once explained and I understood the reason behind it, it made sense. Review Source ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Talk to a Capterra advisor for free and get results within 15 minutes.