Two products, one name
This trips up almost every software evaluation we see, so it is worth stating plainly.
Filogix Exchange is the submission network. It is how a Canadian brokerage sends an application to a lender and receives a response. Effectively every lender you deal with is connected to it.
Filogix Expert is the broker-facing application — where you key the applicant, the property, the income and the liabilities before submitting.
They are sold together and named together, so they get discussed as one decision. They are not one decision.
Why the distinction changes the conversation
When a brokerage asks "can we move off Filogix", they are almost always asking about Expert — the interface their agents spend their day in, the data entry, the UI.
They are rarely asking about Exchange, because leaving Exchange would mean giving up the lender connectivity the entire Canadian broker channel runs on. That is not a software preference; it is the market's plumbing.
Replacing your working surface while keeping the submission rail is a normal, low-risk change. Replacing the submission rail is not a thing most brokerages should want to do.
What replacing the surface actually requires
If you keep Exchange and change where your team works, you need one property from the new system: genuine two-way synchronisation, at field-level depth.
One-way sync — push to Filogix and hope — fails the moment an underwriter edits something on the Filogix side, because your CRM now holds a stale version of the deal and nobody knows which is authoritative.
What to test in an evaluation:
- Field coverage. Not "we integrate with Filogix" — how many fields, and which ones? Applicant, property, employment, income, assets, liabilities all have to survive the round trip.
- Direction. Do edits made in Filogix reflect back, or only the other way?
- Latency. Seconds, or an overnight batch? An overnight batch means two systems disagree for most of the working day.
- Conflict behaviour. When both sides changed, what happens? A defined rule is fine. Silent overwrite is not.
The practical arrangement
The setup most brokerages land on is unglamorous and works:
- Exchange stays. Lender relationships, submission history and connectivity are untouched.
- The client-facing surface moves. Lead capture, pipeline, documents, e-sign, compliance records, renewals — the parts Expert was never built to hold.
- Underwriting can stay in Expert for as long as that team prefers it, because the sync keeps both sides current.
That is the arrangement Mortgage360's Filogix sync is built around, and it is why our comparison with Filogix Expert is about the working surface rather than the rail. Whatever you evaluate, keep the two apart in your own thinking — the decisions are genuinely different sizes.