FinLocker is a financial fitness platform transforms the way consumers prepare for a mortgage by offering data-driven personalized journeys to achieve homeownership and other important financial milestones. Consumers benefit from financial management tools, education, and data sharing for a transaction. Mortgage lenders, banks and credit unions private-label their FinLocker app to connect with consumers, nurture prospective homebuyers, streamline the loan process, and create customers for life. Using the FinLocker app for mortgage readiness reduces costs, time, and risks for all participants in the loan life-cycle, while expediting the financial data and document collection, borrower verification, and underwriting process.