About

The rails for
modern mortgage.

Founded by Chris Black, Cal connects mortgage lending experience with practical AI tools for independent mortgage professionals. Retail and IMB lenders are spending heavily on captive AI for the LOs they employ, but that tech doesn't travel when the LO does. Cal is the portable stack the independent channel needs.

One rule runs through every product decision: AI makes the loan officer better, it never replaces them. Cal answers with the section and the date. The licensed loan officer makes the call.

Chris Black
Meet the founder

Chris Black

Founder, Cal · Mortgage technology & AI

Chris Black is the founder of Cal, a mortgage technology company focused on independent mortgage professionals. Based in Alamo, California, he also leads marketing and technology at LocalMortgageBroker.com, working with its Danville team in the San Francisco Bay Area.

His work connects mortgage lending experience with practical AI tools, educational resources and clearer workflows. He writes about mortgage AI, software and lending workflows in Mortgage & Technology on LinkedIn. At LMB, Chris does not originate loans. Mike Miller handles his mortgage referrals.

Contact
chris@askcal.io
(925) 286-7681 · Book 15 minutes
Writes
Find me
LinkedIn
Based in
Alamo, California. Connected to Danville and the San Francisco Bay Area.
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Cal Inc. is a Delaware C-corp. Cal is a software product, not a lender, broker, or loan originator. Nothing herein constitutes an offer to sell or a solicitation to buy securities.