Loan Underwriting Crew
An integrated origination platform that prepares the file before an underwriter opens it.
- Client
- Southwest Funding
- Sector
- Home mortgage lending
- Our role
- Platform build, integration, and team lead for a team of five
- Status
- Delivered and operated
The brief
What was breaking
Southwest Funding, an established home mortgage lender, wanted the mortgage process automated end to end. The obstacle was not any single tool. It was that the tools did not talk to each other, so the sales staff carried data between them by hand while borrowers waited.
- Mortgage processing spanned several disconnected systems, with no single place to see the state of a file.
- Data was re-keyed between platforms, which introduced errors and made records disagree with each other.
- Borrower creditworthiness checks were a manual step, holding up decisions that were otherwise ready.
- Loan agents had no reliable channel to reach buyers at the moment a file needed something from them.
What we built
The system we delivered
One CRM as the system of record
SugarCRM was extended to carry the whole origination process on the backend, so every stage of a file lives in one place instead of being reconstructed from four.
Synchronised .NET integration
The platform was integrated with the client's existing .NET system, centralising mortgage data rather than duplicating it and keeping both sides in step.
Automated credit verification
Scheduled jobs call third-party credit APIs to verify borrower credentials, so the check runs as part of the pipeline instead of waiting for someone to remember it.
Twilio-backed borrower communication
Loan agents reach buyers directly from the platform, with the conversation attached to the file rather than stranded in someone's phone.
Custom hooks tuned to the sales floor
The SugarCRM backend was extended with custom hooks so the workflow matched how the sales staff actually work, not how the CRM ships by default.
Built with
The stack behind it
The lead tier is what makes this system what it is. Everything under it is the platform that carries it.
Decisioning and automation
Platform
Communications
What changed
The result in production
One platform for the whole mortgage journey
Sales staff guide customers from a centralised system instead of stitching together the picture from separate tools.
Data that agrees with itself
Synchronising the connected systems removed the re-keying step, and with it the errors and duplicate records it produced.
Faster, cleaner borrower contact
Integrated communication replaced ad-hoc calls, so agents reach buyers quickly and the exchange stays on the file.
The screens
What it looks like in use
Same problem?
Let's scope what this would look like for you
Start with a two-week Discovery Sprint. We map your highest-value workflows and deliver a prioritised pilot roadmap grounded in what we have already shipped.