Mycelian.app
You didn't open a brokerage to chase paperwork at 9 p.m.
Mycelian runs the back office that fixes your capacity problem. Your buyers hear back in minutes, not weeks. Your files reach your loan officers already checked. And the 9 p.m. paperwork isn't yours anymore — for less each month than one back-office salary.
24/7 Coverage
never clocks out
Lead Response
minutes, not days
Every channel, one thread
call, text, email, WhatsApp, logged the moment it happens
Compliance
every clock, watched round the clock
The Bottleneck
Your sales team isn't your ceiling.
Your back office is.
Broker-channel loan officer headcount grew 12.5% in 2025 alone — brokerages aren't losing because they can't recruit or sell. They're losing because their back office can't scale fast enough to keep up with the growth. (HousingWire)
Leads after hours
A borrower reaches out at 9 p.m. and waits until tomorrow. Most shops answer it in the morning — after two competitors already have.
Operations bottleneck
Whatever one processor can carry is your ceiling. Every additional file creates another stack of repetitive work for people who are already at capacity.
Compliance exposure
Important clocks, conditions and disclosures shouldn't depend on someone remembering to check an inbox.
Leadership blindness
You shouldn't need three conversations to understand what's happening across your pipeline.
One System
One back office. Running 24/7.
Not a stack of separate products — one managed operations system, running inside your brokerage, putting the whole pipeline on one screen: The Desk. Automation, AI agents, and a leadership command center in one place — we build it, operate it, and improve it. Built for your shop alone — never resold to the brokerage down the road.
Your team, your names. Every deployment is named and voiced to your company's culture — Sophie, Lonnie, Grace, and Lex are what Presto calls theirs. Yours will be your own.
The Transformation
Same brokerage.
Different operating capacity.
9:07 PM
1003
Pipeline
Deadline
Growth
This isn't a mockup. What's next is running, for a real brokerage, right now.
Proof
It's not a promise. It's running.
One minute. How Mycelian actually runs.
What if your brokerage had an operations team that never clocked out?
This is Mycelian in action.
One back office running on one screen — the Desk.
Every file. Every lead. Every deadline.
Covered around the clock.
A borrower file moves. It's already graded.
Green, yellow, or red.
Before a processor touches it.
Every morning your chief of staff greets you with what closed, what's pending, and what needs a decision.
You simply decide.
Loan officers run their own borrowers through the same system.
Every milestone rolling back up to this one screen.
Stop chasing the paperwork.
Start running your brokerage.
This is Mycelian.
Presto Home Loans, Daly City, California
As of September 2026
- Response time: 1–2 weeks → under 5 minutes
- 207 new leads since June (new inbound inquiries, not repeat contacts)
- 27/27 calls caught & escalated instantly
- 30,727 automated system health checks
- Live in 71 days, start to finish
What It's Actually For
This isn't insurance.
Stopping the leak is the part you can measure first — the 9 p.m. lead that got answered, the condition that got chased, the file that didn't go quiet.
But that's the floor, not the point. The point is that once the back office stops being the thing that limits you, everything downstream changes: how many loan officers you can carry, how many states you can be licensed in, how much you can say yes to.
You don't buy this to stay the same size more efficiently. You buy it to stop being the reason you can't grow.
Mycelian does the work. Your licensed people make the decisions. The system surfaces, tracks, flags and runs the defined steps — every judgment call that needs a licensed professional comes back to you.
What Mycelian doesn't do
- It doesn't make lending or credit decisions.
- It doesn't replace your licensed professionals.
- It doesn't post anything without your approval.
- It doesn't pool your data with other clients'. Your infrastructure is your own.
- It doesn't hold your data hostage. It exports within 30 days, in standard formats.
- It doesn't act unseen. Every agent action is logged.
The Economics
Your growth shouldn't require
another payroll decision.
Hire for it | The $99/mo tool | Mycelian | |
|---|---|---|---|
| Time to capacity | Recruit, train, ramp — 2 to 4 months | Live in an afternoon — but it only ever does the one thing | Full capability from the day it goes live |
| Cost | A salary, benefits and payroll tax, every year | $99/mo, but capped at answering questions | Less each month than one salary, fixed |
| What it actually does | Whatever one person's capacity allows | Answers what it's told to. That's the whole job. | Runs your operations — a full team's worth |
| Compliance | As good as their training, and no one's checking their work | Avoids it entirely — too risky for a bolt-on tool | Built compliance-aware, by design |
| When it's tested | They leave, and the knowledge leaves with them | Hits its ceiling the moment you need more than FAQs | Absorbs the spike. Nothing walks out the door. |
| Lead response | Only as fast as whoever picks up — nights and weekends wait | Most AI tools only start once your loan officer makes the call | Answered at 11 p.m., in the lead's own language |
Against your other real alternative — a custom dev shop — our estimate for a build like this: $132,480 and 13 months; firms that do this at enterprise grade start at $50k and run past $200k. Mycelian is the compliance-grade middle: live in about 6 to 8 weeks, at the size of your shop.
You don't have to trust the math. Check it against your own shop.
Call it yourself
Give us your info and we'll hand you a live number — call it and talk to Sophie, the same AI receptionist you'd be getting. No script, no demo mode.
Try the test callSee your own exposure
Free, no signup — we'll read what's public on your site and show you, right away, what happens when a buyer finds you after hours.
Run the free checkAlready sure? Skip straight to a conversation
Pricing
Priced to the size of your shop. Nothing hidden.
3 Founding seats, ever
Founding client
3 seats, ever — any firm size, first come, first served
Your audit counts in full toward the build — $8,500 all-in for audit and build combined, never stacked on top.
$2,250 to start the build, then $187.50/mo for 12 months — a fraction of a processor's month (~$6,060).
- One brokerage per county, exclusive
- $2,500/mo your first year — about $12,000/yr less than Boutique
- Named case study & testimonial · 15 LO Portal seats included
- Same $8,500 build as everyone; extend to keep your county after year 1
Boutique shop
Up to 15 active loan files/month
Your audit counts in full toward the build — $8,500 all-in for audit and build combined, never stacked on top.
$2,250 to start the build, then $187.50/mo for 12 months — a fraction of a processor's month (~$6,060).
- 15 LO Portal seats included
- One brokerage per county, exclusive
Producing team
16–39 active loan files/month
Your audit counts in full toward the build — $8,500 all-in for audit and build combined, never stacked on top.
$2,250 to start the build, then $187.50/mo for 12 months — a fraction of a processor's month (~$6,060).
- 30 LO Portal seats included
- One brokerage per county, exclusive
Are we too small for this? The Boutique tier was built for shops running up to 15 active loan files a month — Presto isn’t a giant either, and small shops feel missing infrastructure the most.
We already pay for a CRM / an AI tool. You won’t need to once we’re live — contacts, segments, every channel, marketing ROI, and your compliance clocks all live on one system already. It’s not a separate bill, it’s already in the Retainer. See the full CRM comparison
Your audit covers $4,000 of the build if you start within 15 days of your audit. Half of what's left ($2,250) is due when you commit to build; the other half spreads across your first 12 months at $187.50/mo, added to your bill. Same build, same split, every tier — Boutique, Producing, or Founding — and you never pay for a second build.
Built for one shop. Never sold to the shop down the road. Pricing is the same in every state, plus applicable taxes for your region. Every engagement runs a 1-year term and renews at the current rate. Every Mycelian build is fitted to your office, your loan system and your people, and it's meant to run for years — we'd rather earn your second year than lock you into it. Want to hold your rate and your county for another year anyway? Tick the box at signing — one additional year, not a multi-year lock.
Grow past your tier mid-term? You're not re-tiered on the spot — a cap-and-overage allowance, roughly twice your signing volume, absorbs it at a modest per-file rate until your term renews, when your rate resets to match your real volume, in either direction. Already running more than 39 loan files a month? The audit sizes it and quotes it directly — fixed, in writing.
If you leave before your term ends, give us 30 days' written notice — no penalty, no spin. Any build balance still being paid off comes due at that point, since it's the price of work we already finished before go-live, not a fee for leaving — nothing in your active pipeline gets stranded, and your data is returned to you securely, in standard formats. Your market is your county — one brokerage per county, while you're active and paid up.
Is your county still open?
One brokerage per county, no exceptions. Check yours — takes about 10 seconds.
Start with the audit.
- Where your leads slip, and where your hours go
- What your compliance program is missing
- What it all costs you a year
- Your fixed quote, and the plan to get there
If you don't build, you keep all of it.
How the Process Works
Three steps. The audit is why it's fast.
01 — The Audit
- • Maps every human touchpoint in your office
- • A competitive heat map + SWOT for your market
- • Counts in full toward your build if you build within 15 days
02 — The Build
- • Full agent team, deployed and working
- • Live in 6–8 weeks
03 — The Partnership
- • We staff, watch, and tune it
- • An operations department that never calls in sick
FAQ
Questions, answered plainly.
It replaces the 11 p.m. catch-up, not your people. Your team stops doing robot work; the robots don’t do the judgment work. You stay the licensed professionals.
Most teams don’t feel replaced — they feel relieved. What this takes over is the part nobody enjoys: chasing status, answering the same question at midnight, hunting for a file. Your people keep doing the part that actually needs a person.
It doesn’t get less yours — it gets named after your own culture. Presto’s agents are called Sophie, Lonnie, Grace, Lex; yours would be whatever fits your shop. And you’re never handed off to a stranger, either — the same person is with you before, during, and after. This runs your operations. It doesn’t replace what makes the place actually yours.
Each office gets its own system. Your build fee drops with every office you add. Your monthly retainer stays the same for each one.
See multi-location pricingFair, and we’d rather you go in skeptical than sold. This isn’t a slide deck — it’s running right now, and we’ll tell you plainly what isn’t finished yet too. You’re also not talking to a sales rep — you’re talking to the people who built it, including the architect who’d build yours.
Meet the architectIt would be, if it were still a pitch. It’s not — it’s a real system, running right now for a real brokerage, built by a named architect you can actually talk to. Nothing here is theoretical.
You don’t have to understand the machinery to trust what it’s built around: your human touchpoints, not around you. This was designed to elevate you, not blow past you: it surfaces, tracks, flags, and hands the actual judgment call back to you every time. You stay the licensed professional; the system’s whole job is surfacing what would otherwise be missed, before it reaches you.
A mycelial network is decentralized and autonomous — millions of threads sustaining an ecosystem without a central manager. That’s the system, for your brokerage.
Encrypted in transit and at rest, access restricted to authorized roles. Every agent action is logged — your audit trail builds itself.
See the full compliance & security detailStop chasing the paperwork.
Start running your brokerage.
Your operations team, working while you sleep. That's not a promise — it's what's already running. Let's build yours.
- No slide deck — we look at how your office actually runs.
- Bring one month of bills. We'll show you what's worth cancelling, live.
- You'll know if this fits your shop by the end of the call — not just whether we think it does.
3 Founding seats, ever · One brokerage per county