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Credible: Loan Workflow Automation

Success Story

End-to-End LOS and Admin Enhancements

A modern loan origination system (LOS) that automates loan workflows, reduces errors, and empowers operations.

50%

lower operating cost by migrating from Encompass to Salesforce.

Fastest turn-times

by automating borrower intake, 1003 forms, disclosures, and integrations.

Technologies

Salesforce Lightning

Temporal

Jenkins CI/CD

Lender Portal Integrations

APIs for Fannie Mae

Freddie Mac

USPS

Credit Bureaus

Expertise

Legacy modernization

Cloud

Back-end engineering

CI/CD

Integrations

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Outdated technology

Encompass was described as “old and outdated, not great for originating”, with performance issues that frequently disrupted operations.

Limited integrations

Critical fields could not be updated via API, requiring engineering workarounds and manual effort to sync data.

Vendor lock-in

The legacy LOS was tightly coupled with its vendor’s ecosystem, restricting flexibility and limiting opportunities for innovation.

High operating cost

The legacy system carried high per-loan origination costs, creating pressure to migrate to a more efficient, automated platform.

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Enterprise platform engineering

Deep expertise in customizing and extending platforms like Salesforce with secure integrations, automation, and CI/CD pipelines for consistent delivery.

Financial services knowledge

Strong background in mortgage and financial operations, enabling the team to align technology with compliance requirements, reporting needs, and the speed demanded by digital lenders.

Zoolatech is a senior-heavy engineering firm with Silicon Valley roots and a Miami HQ, specializing in legacy modernization, system re-architecture, and AI deployment to drive long-term, compounding value.

2017

Year Founded

600+

Employees

96%

Client Satisfaction

Phase 1

Foundation and UX prioritization

Established the Salesforce Lightning framework, improved navigation, and created an enhanced user experience foundation for Mortgage Ops.

Phase 2

Feature migration and integrations

Moved key Encompass features into Salesforce, including the 1003 form, disclosures, and document management. Integrated with external systems such as Fannie Mae, Freddie Mac, USPS, and credit bureaus.

Phase 3

Automation and Ops enablement

Implemented workflow automation with Temporal and developed a Salesforce admin panel, enabling Mortgage Ops to manage tasks independently and reducing reliance on engineering.

Phase 4

Continuous improvement

Iterated on shipped features (e.g., disclosures, doc management) and incorporated user feedback to continuously refine the platform.

Zoolatech migrated Credible’s legacy LOS to Salesforce, automating origination workflows and integrations. The result: 50% lower operating costs and faster loan cycle times.

Custom loan application (1003 Form)

Delivered a fully integrated loan application form inside Salesforce, giving loan officers a seamless way to manage borrower data and initiate approvals.

Automated disclosures and document management

Automated disclosure generation and borrower document handling, reducing errors and compliance risks while streamlining audit preparation.

Third-party integrations

Integrated with Fannie Mae, Freddie Mac, credit bureaus, and USPS, enabling real-time checks and eligibility assessments without manual workarounds.

Option	Risk	Mitigation
Salesforce deployment complexity	Parallel UI + code changes across sandboxes create untracked conflicts and brittle releases.	Stood up CI/CD with Jenkins, metadata pull/deploy, feature sandboxes, and “no manual changes”.
External integration gaps	API limitations (e.g., fields not updateable) and third-party constraints slow automation.	Built dedicated connectors for Fannie Mae, Freddie Mac, USPS, and 3.4 file; orchestrate workflows (Temporal) and phase enablement.
Operational change management	New LOS workflows could hinder adoption and introduce early-stage errors.	Delivered intuitive Salesforce admin UI (1003, docs, task sheet) and iterate based on Mortgage Ops feedback.
Data quality and audit readiness	Moving source of truth risks data mismatches and compliance gaps during audits.	Centralized 1003 and document flows in Salesforce; automate disclosures; enable reporting and file auditing.

Our innovative features, such as widgets for partner websites and preapproval for mortgage purchases, offer users added convenience and flexibility.

50% lower operating costs

Consolidating LOS workflows into Salesforce and automating disclosures and underwriting cut origination costs nearly in half..

Improved turn-times

Automation of disclosures, underwriting, and document management shortened the loan cycle, supporting the goal of becoming the fastest broker in the market.

Reduced engineering bottlenecks

A Salesforce admin interface empowered Ops teams to manage workflows independently, accelerating turnaround and scalability.

Operational empowerment

Loan officers and operations teams gained the ability to manage workflows directly in Salesforce, reducing reliance on engineering and improving turnaround times.

Business agility

The modernized LOS architecture enables faster adaptation to regulatory changes, quicker launch of new lending products, and integration with additional services without vendor lock-in.