Totality LMS
- Company typePrivate
- Founded2021
- HeadquartersWilliamsville, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Totality LMS firmographics
Firmographics- Name
- Totality LMS
- Legal name
- Totality, LLC
- Website
- https://totalitylms.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Totality LMS industry classification
Industry- Product category
- Loan Management Software
- NAICS
- Software Publishers (5132)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH)
- akta.pro secondary industry
- Business Rules & Decision Management Platforms (BRMS/DMN) (HDAEAKAG)
Keywords
Where Totality LMS is headquartered
LocationHeadquarters
- HQ city
- Williamsville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Totality LMS business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Software Licensing: Annual licensing fees for access to the Totality LMS platform. Custom software enhancements are primarily included in licensing fees rather than charged separately, providing transparent and predictable pricing.
- Onboarding and Support Services: Includes 2-10 hours per month of development, training, and enhancements at no additional cost as part of the licensing agreement. Additional hours beyond the included allocation may incur additional fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | All-inclusive licensing with no feature add-on fees |
| Subscription | Annual | Onboarding and ongoing support included |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels6 records
Totality LMS product offering
Product offeringCore offering
Totality LMS is a cloud-based, all-in-one loan management platform that automates the full loan lifecycle—origination, underwriting, funding, servicing, collections, refinancing, and reporting—for short-term and consumer lenders. It combines a single-screen auto-refreshing agent interface, real-time customizable KPI dashboards with automated alerts, multichannel customer communications (voice, email, text), and a public REST API with broad third-party integrations (payments, KYC, credit, communications). The platform is delivered under annual software licensing with onboarding, training, and custom enhancements included.
Product overview
Totality LMS is a single, unified loan management platform designed for short-term lenders. The core offering combines loan origination and loan management into one all-in-one solution. Key capabilities include: (1) Time-Saving Automation for autonomous operation of portfolio core functions including customer engagement, contract presentation and execution, loan verification and funding, collection, marketing, and refinancing; (2) a Simplified Agent Interface enabling agents to manage customer loans from start to finish on one auto-refreshing screen with multichannel communication (voice, email, text); (3) Real-Time KPI Tracking with fully customizable dashboards optimized for mobile devices; (4) Performance Alerts providing custom KPI notifications when thresholds are exceeded; and (5) Comprehensive API for developer integration. The platform is positioned as an alternative to manual processes and competitor LMS solutions with emphasis on transparent pricing, US-based support, and no long-term contracts.
Differentiator
Problem solved
Functional benefit
Brands
- DecisionLogic Integration: Integrated bank verification and underwriting tool partnership
Products and services
- Totality LMS
Quantifiable outcome
- 50% reduction in loan processing times
- +5 more outcomes
Companies that use Totality LMS
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Totality LMS technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration51 records
AI capability8 records
Feature7 records
Totality LMS partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- DecisionLogiccoreTotality integrated with DecisionLogic to launch a suite of underwriting tools enabling instant bank verification, identity verification, income recency scoring, and fraud prevention. This partnership allows lenders to combine bank asset verification and fraud prevention needs into one workflow and vendor, reducing overhead and enabling real-time borrower identity verification.
Scale indicators10 records
Recent moves6 records
Expansion highlights4 records
Totality LMS competitors and assessment
Company assessmentDirect peers
- LoanPro: LoanPro is a loan servicing and origination platform that automates lending operations for non-prime and short-term lenders. Most direct functional overlap with Totality in loan lifecycle automation, payment processing, and portfolio management for the subprime/short-term lending segment.
- Lendio: Lendio operates a small business lending marketplace and loan management technology serving similar lender customers with origination and servicing tooling. Comparable SaaS-plus-services model targeting non-bank lenders.
- TurnKey Lender: TurnKey Lender is an end-to-end lending automation platform with origination, underwriting, servicing, and collections modules. Comparable in providing configurable automation for short-term and consumer lenders.
Broad incumbents
- nCino: nCino is a cloud banking platform with loan origination capabilities serving banks and credit unions. Operates broadly in lending software with deeper resources and a wider footprint than Totality's niche.
- Upstart: Upstart is an AI-driven lending platform that uses alternative data for credit decisions, competing with Totality's alternative-data underwriting narrative. Serves a broader consumer and auto lending market with significantly more capital.
- Blend: Blend provides a digital lending platform for consumer banking products including mortgages and consumer loans. Overlaps with Totality in loan origination and decisioning workflows but serves larger financial institutions.
- Black Knight (ICE Mortgage Technology): Black Knight, part of Intercontinental Exchange, offers loan origination and servicing systems including the Empower LOS. A large incumbent with overlapping loan management functionality across mortgage and consumer lending.
Emerging players
- LendFoundry: LendFoundry is a SaaS loan origination and management platform focused on alternative and non-prime lending markets. Comparable niche focus with similar target lender segments.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Totality LMS social profiles
Digital presenceTotality LMS compliance and trust
Trust signalCompliance1 record
Totality LMS financial estimates
Financial estimateRevenue estimate
Valuation estimate
Totality LMS leadership team
Management profileNumber of profiles
Profiles8 records
Totality LMS funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Totality LMS M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Totality LMS
What does Totality LMS do?
Totality LMS is a cloud-based, all-in-one loan management platform that automates the full loan lifecycle—origination, underwriting, funding, servicing, collections, refinancing, and reporting—for short-term and consumer lenders. It combines a single-screen auto-refreshing agent interface, real-time customizable KPI dashboards with automated alerts, multichannel customer communications (voice, email, text), and a public REST API with broad third-party integrations (payments, KYC, credit, communications). The platform is delivered under annual software licensing with onboarding, training, and custom enhancements included.
Is Totality LMS a public or private company?
Totality LMS is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Totality LMS founded?
Totality LMS was founded in 2021. It employs 11 to 50 people.
Where is Totality LMS based?
Totality LMS is headquartered in Williamsville, United States, in the North America region.
How does Totality LMS make money?
Two revenue lines are on record. Software Licensing is the primary driver. The others are onboarding and Support Services.
Who are Totality LMS's main competitors?
Direct peers on record are LoanPro, Lendio and TurnKey Lender. Broad incumbents are nCino, Upstart, Blend and Black Knight (ICE Mortgage Technology). LendFoundry is listed as an emerging player.
Does Totality LMS have an API?
Yes. Totality LMS offers a public REST API accessible at docs.totalitylms.com. The API enables developers to automate loan operations including loan creation, payment methods (debit card, checking/savings accounts), payment frequency management (weekly, bi-weekly, monthly, semi-monthly), and related lending workflows. The developer documentation shows v1.33.0 API versioning. Developer documentation is at docs.totalitylms.com.
What industry is Totality LMS in?
Totality LMS's product category is Loan Management Software. Its primary akta.pro industry code is FSAGAHAH, Loan Servicing Platforms (Billing, Statements, Customer Self-Service), with a secondary code of HDAEAKAG, Business Rules & Decision Management Platforms (BRMS/DMN). Its NAICS code is 5132 and its SIC code is 7372.