Two-Way SMS & Email Communication for Lending
appTRAKER CONNECT brings two-way SMS and email directly into appTRAKER, so lending teams can communicate with applicants without moving the conversation into separate inboxes, phones, or messaging systems.
Send messages. Receive replies. Exchange documents and images. Track the whole thread with the application instead of scattering it across a dozen inboxes and personal phones.
CONNECT turns communication into part of the lending workflow instead of another disconnected process.
One Conversation. Connected to the Application.
Applicants increasingly expect to communicate through the channels they already use. CONNECT lets your team meet them there while keeping the conversation where your staff needs it — inside appTRAKER.
Consent & Opt-Out Management
Business messaging requires more than acquiring a phone number and enthusiastically pressing Send. CONNECT is designed around applicant communication where appropriate consent has been obtained.
Lenders remain responsible for establishing appropriate consent language, disclosures, communication policies, and compliance processes for their use of the service. CONNECT is intended for communications associated with the applicant and lending relationship, not unsolicited marketing or purchased contact lists.
Dedicated Communication Channels
CONNECT implementations can provide the lender with a dedicated local SMS phone number, subject to availability, as well as an appTRAKER email identity for inbound and outbound communication. For U.S. business texting, CONNECT implementations also support the A2P 10DLC registration process required by telecommunications providers.
That creates a managed business communication channel instead of asking employees to reach applicants through personal devices or unrelated mailboxes.
Optional Voice Handling
What happens when an applicant calls the number that just texted them? CONNECT can support configurable handling of calls to the assigned SMS number.
The lender can choose an approach appropriate for its communication process.
Why Choose CONNECT?
From Loan Application to Conversation
CONNECT fits naturally into the origination process.
CONNECT + myLOAN + appTRAKER
The three products work together as one connected applicant communication experience.
myLOAN provides the applicant-facing experience for applications, information requests, documents, disclosures, and applicable communication consent.
CONNECT provides the two-way SMS and email communication channel between the applicant and the lender.
appTRAKER manages the underlying lending workflow, underwriting, decisioning, verifications, documentation, and funding.
Together, applicants can interact digitally while your lending team keeps the activity connected to the origination process.
Stop Losing Loan Conversations to Inboxes
CONNECT keeps applicant communication on the application: a shared message history, visible to every authorized member of the team, with attachments, consent status and workflow-driven follow-up in one place.
Send the message. Receive the response. Keep the conversation with the loan.
Frequently Asked Questions About CONNECT
What is appTRAKER CONNECT?
CONNECT is a two-way communication module for appTRAKER LOS that allows lending teams to send and receive SMS and email messages while keeping communication associated with the loan application.
Is CONNECT only for sending notifications?
No. CONNECT supports both outbound and inbound communication. Applicants can reply to SMS and email messages and continue the conversation with the lender.
Are incoming messages connected to the application?
Yes. CONNECT uses applicant communication information associated with applications to help route incoming SMS and email responses to the appropriate application.
Can applicants send attachments?
Yes. CONNECT supports receiving applicable email attachments and MMS content, subject to supported file types, message sizes, carriers, and other technical constraints.
Can CONNECT be used for document requests?
Yes. Lenders can communicate document requests and provide links to applicable secure appTRAKER or myLOAN workflows. Applicants may also provide supported attachments through applicable CONNECT channels.
How does CONNECT handle SMS opt-outs?
CONNECT can automatically recognize SMS opt-out responses such as STOP. Opt-outs received through other channels can also be documented within the lender’s process.
Does the lender need applicant consent?
Yes. The lender is responsible for ensuring appropriate consent has been obtained before initiating applicable communications, and for maintaining its required disclosures and compliance processes.
Can CONNECT be used for marketing or solicitation?
CONNECT is designed for communication associated with applicants and existing lending interactions where appropriate consent has been established. It is not intended for unsolicited marketing or purchased contact lists.
Does CONNECT support A2P 10DLC registration?
Yes. CONNECT implementations support the business and campaign registration process required for applicable U.S. A2P SMS messaging. Registration remains subject to third-party and telecommunications-provider approval.
Does the lender receive its own SMS number?
CONNECT can be configured with a dedicated local telephone number, subject to number availability.
What happens if an applicant calls the CONNECT number?
CONNECT can be configured to reject voice calls, provide an automated voice response, or transfer calls to a lender-designated telephone number.
Is CONNECT separate from appTRAKER LOS?
No. CONNECT is integrated with appTRAKER so communications and message history remain connected to the application and the broader lending workflow.