Autonomous CRM and Database Intelligence
Contacts, loans, tasks and conversations in one lifecycle record. ARIA, the built-in AI assistant, scores leads, drafts replies and queues the next task, with the loan officer approving what goes out.
Private beta · Mortgage and real estate teams
The intelligent operating system for real estate and mortgage teams.
CarrierLabs builds a CRM and an AI assistant that run follow-up, home reports, and paperwork tracking for loan officers and Realtors, so one person can serve a book of business that used to take a team.
Illustrative simulation with sample data. Not a live feed.
Core Architecture
One record per person. Every system writes to it.
Legacy stacks scatter a borrower across a loan system, a CRM, an email tool and a spreadsheet. CarrierLabs keeps one lifecycle record and lets events and agents move it forward.
01 / INGEST
Capture
Leads, loan-system updates, property records and call activity arrive as events.
02 / ENRICH
Understand
Public record and market data fill the gaps the borrower never typed in.
03 / DECIDE
Prepare
ARIA drafts the next step using the loan officer's own voice and settings.
04 / APPROVE
Review
A person approves outreach before it leaves the building.
05 / DELIVER
Send
Email, text and portal updates go out through a consent-checked gate.
Product Suites
Four suites, one platform.
Each suite stands on its own and shares the same data, so nothing gets re-typed and nothing gets out of sync. The platform never stands still: new tools, data sources and automations are added every week.
PropTech and Public Record Enrichment
Property, ownership and loan-history records from licensed data providers keep each client's home profile current, and power a monthly Home Wealth Report homeowners can open from a link. New data sources are added all the time.
Credit and Financial Intelligence
Credit score roadmap tools, credit-inquiry monitoring and credit-repair follow-up workflows, plus payment, refinance and break-even calculators that borrowers can use on their own.
Omnichannel Marketing Automation
Email, text and voice campaigns that personalize from the contact record, pace themselves for deliverability, and check consent before every send. New channels and templates arrive continuously, and campaigns can be tailored to each team.
Developer Specs
Boring, proven infrastructure underneath.
Standard, well-supported parts, wired together carefully. The list of connections and integrations grows every day, and every account can add custom connections to fit the way its team already works.
Platform
FrontendReact 19 + TypeScript, Vite
BackendTypeScript serverless functions on Vercel
DatabaseSupabase (Postgres), row-level security
MobileInstallable web app, built in
AutomationWebhook-based integrations via Zapier
Intelligence layer
AssistantARIA, one voice across chat, email, text and phone
ModelsGoogle Gemini for generation
AgentsTask-specific agents sharing one lifecycle record
Human in the loopApproval before outbound sends
CommsTwilio voice and messaging
Security and Compliance
Built for a licensed, regulated business.
Mortgage data is sensitive and mortgage marketing is regulated. Both shape the design from the first line.
Data isolation
Each loan officer sees only their own contacts and settings. Isolation is enforced in the database, not just the screen.
Secrets stay server-side
API keys never travel in a URL or reach the browser. A scanner runs on every commit to catch leaks before they ship.
Consent before contact
One outbound gate checks consent and pacing before any email or text is sent.
Built to RESPA and TILA
No referral payments, no promised rates, no approval language. Guardrails are in the code, not a policy PDF.
Honest by design
The assistant never claims to be human and never invents figures. Where data is unavailable, the product says so.
Report a vulnerability
Security researchers can write to rick@carrierlabs.io. We read every report.
Questions
What reviewers usually ask.
Plain answers, no marketing gloss.
Who is CarrierLabs for?
Loan officers, mortgage teams and Realtors who want one system for contacts, follow-up, home reports and loan tracking.
Does the AI send messages on its own?
Outbound email and text are prepared by ARIA and approved by a person before they send. Every send passes a consent and pacing check.
What data do you use, and where does it come from?
The client's own file, plus licensed property and public-record data providers. When a source is unavailable, the product shows that it is unavailable instead of filling the gap.
How is one customer's data kept from another's?
Row-level security in Postgres limits each loan officer to their own contacts and settings. The database enforces it, not only the interface.
Which systems does it connect to?
Loan-origination updates arrive through Zapier webhooks. Messaging runs on Twilio, generation on Google Gemini, and data on Supabase.
Can it connect to the tools we already use?
Yes. The library of supported connections, data sources and automations expands continuously, and custom connections can be built around your own systems and workflow.
Is it generally available?
No. It is in private beta and open to a small number of loan officers, Realtors and integration partners.
Private beta
Request access.
CarrierLabs is open to a small number of loan officers, Realtors and integration partners. Tell us who you are and what you want to connect.