Mortgage360 vs Scarlett

The Canadian broker CRM with AI follow-up and a built-in dialer

Scarlett is a serious Canadian broker CRM with a strong network and franchise user base, built for this market rather than adapted into it. Mortgage360 covers the same ground and adds the operational layer — power dialling, renewal automation, FINTRAC records and commission calculation.

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Last reviewed August 21, 2026. Built from Scarlett's public documentation and pricing — not from a demo. Spotted something out of date? Tell us.

About Scarlett

Scarlett, in their words and ours

Scarlett is a Canadian mortgage broker CRM (NEXA) platform based in Canada, primarily serving Canadian mortgage brokers + networks. Here's a fair read of what they do well and where the trade-offs are — so you can decide if Mortgage360 is a fit.

What Scarlett does well

Strong franchise / network operator support (DLC, Centum, etc.)
Mature Canadian broker CRM workflow
Established compliance and reporting capabilities
Familiar UX for brokers from major networks

Factual trade-offs

No AI agents — Harvey-style automation requires third-party add-ons
Queue-based power dialling typically requires a separate tool
Brokerage commission calculation generally needs another system
Agent licence and continuing-education tracking not included

Why teams choose Mortgage360

Where Mortgage360 goes further

AI on every deal

Harvey intakes clients in 50+ languages, drafts outreach + ranks pipeline, runs compliance + AML/PEP/sanctions, and scores renewal risk across the book.

Dialer + compliance included

Queue-based power dialling with automatic call logging, FINTRAC identity capture on the deal, and commission split calculation — included rather than three more subscriptions.

Multi-tenant network

Per-tenant brand kit, SSO (SAML/OIDC), royalty engine, network-level compliance dashboards. Built for the way DLC, Centum, TMG scale.

Filogix 2-way

1,047 fields. Both directions. Edit in Filogix Expert or Mortgage360 — the other reflects within seconds.

Side-by-side

Capability comparison

Honest read. Cells reflect publicly available information about each platform's current capabilities. Send corrections to hello@mortgage360.ai.

Capability

Mortgage360

Built for Canada

Scarlett

Canadian mortgage brokers + networks

Multi-pipeline (purchase, refi, renewal, HELOC)

Lead management distinct from deals

Drip marketing built in

Per-agent + per-team performance

Commission splits + lead-source attribution

Per-tenant brand kit (white-label)

SSO (SAML / OIDC)

Royalty / fee engine with reconciliation

Network-level compliance dashboards

Client AI in 50+ languages

Agent AI copilot

Compliance AI (AML / PEP / sanctions)

Power dialer built in

FINTRAC identity records on the deal

Commission split calculation

Built from Scarlett's public documentation and pricing — not from a demo. Last reviewed August 21, 2026. We do not block competitor pages from indexing; this is a fair-comparison resource we publish in good faith.

Choosing between Mortgage360 and Scarlett

Scarlett is a real CRM, so this is a depth comparison rather than a category one

Several comparisons on this site contrast a platform against a tool that does one job. This is not one of them. Scarlett Network is a serious Canadian broker CRM with a genuine network base, and a broker running it well is not missing a system of record.

The honest framing is depth in specific areas rather than presence or absence. The functions brokers most often tell us they run elsewhere alongside a CRM are queue-based dialling, renewal automation driven off maturity dates, and commission split calculation — particularly at brokerage level with tiered structures.

Mortgage360 includes those in the same record rather than as adjacent subscriptions. Whether that is worth a migration depends entirely on how much of your operation currently lives outside your CRM.

The brokerage-operations layer

At solo and small-team scale, CRMs converge — contacts, deals, tasks and some automation. The divergence shows at brokerage scale, where the questions become compliance oversight across agents, licensing and continuing-education tracking, payroll-adjacent commission calculation, and recruitment.

Mortgage360 carries those as first-class surfaces rather than as reporting bolted onto a sales CRM. A principal broker asking “which of my agents have a licence renewal inside ninety days and insufficient CE hours” should get an answer from the system.

If you are a solo agent, this paragraph is not an argument for switching. It is the reason brokerages weigh the two differently from the way individual agents do.

What switching actually costs

Moving between two real CRMs is a heavier migration than moving off a point tool, because there is more history and more of it matters. Contacts, deal history, notes, tasks and automation logic all have to land somewhere.

We scope this against your actual export before quoting a timeline, and the automation logic is usually the part that takes longest — not because it is technically hard, but because it is the part worth rethinking rather than copying.

Filogix Exchange is unaffected either way — it stays your submission rail, and Mortgage360 syncs to it in both directions, 1,047 fields in under five seconds. Changing the surface you work in all day is not the same as changing your lender connectivity.

Common questions

Is Mortgage360 a Scarlett alternative?+

Yes. Both are Canadian broker CRMs. Mortgage360 adds queue-based power dialling, renewal automation driven off maturity dates, commission split calculation and brokerage compliance oversight in the same record. Whether that justifies a migration depends on how much currently sits outside your CRM.

What does Scarlett do well?+

It is a genuine Canadian broker CRM with a strong network base and real mortgage DNA, rather than a general-purpose CRM adapted after the fact. A broker running Scarlett well is not missing a system of record, which is why this is a depth comparison rather than a category one.

What do brokers most often run alongside their CRM?+

In our experience, a dialer, a spreadsheet for commission splits, and something ad hoc for renewal tracking. Those three are the functions most often described as living outside the CRM, and they are what Mortgage360 pulls back onto the same record.

How do the two compare for a brokerage rather than an agent?+

Brokerage scale is where they diverge most. Compliance oversight across agents, licensing and continuing-education tracking, tiered commission structures and recruitment are first-class surfaces in Mortgage360 rather than reports layered on a sales CRM.

Does Mortgage360 work with Filogix Exchange?+

How hard is the migration between two full CRMs?+

Heavier than moving off a point tool, because there is more history and more of it matters — contacts, deal history, notes, tasks and automation logic. We scope against your real export first. The automation logic usually takes longest, since it is worth rethinking rather than copying.

Is the power dialer really included?+

Yes, queue-based, with automatic call logging onto the contact. What matters is less the dialling than that the activity lands on the record the renewal and lifecycle automation read from.

How does renewal retention work?+

Maturity dates are scanned on a schedule, and clients approaching renewal enter lifecycle automation with AI-assisted outreach drafted against their file. The point is that the next transaction surfaces without anyone remembering to look.

Is Mortgage360 Canadian-specific?+

Yes — Canadian lenders, Filogix, FINTRAC and provincial licensing including MBLAA record-keeping. Verify your own obligations with FINTRAC and your provincial regulator.

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Decide for yourself

See Mortgage360 next to Scarlett

A 20-minute demo with your real-world data. No prep needed. No follow-up unless you want one.

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