Enterprise Loan Origination System Implementation
End-to-end digital lending platform for multi-product origination
Key Results
Client Overview
A consortium of regional banks seeking unified lending operations:
- $15B+ combined loan portfolio
- 200+ branches across 12 states
- Consumer, mortgage, auto, and commercial lending
- 2M+ customer relationships
- Growing 25% annually in loan volume
Challenges Addressed
Fragmented Systems
Each bank using different origination systems making it impossible to achieve operational synergies or unified reporting.
Long Cycle Times
Mortgage origination taking 45+ days and consumer loans taking 5-7 days due to manual processes.
High Abandonment
60% application drop-off due to cumbersome paper-based processes and poor digital experience.
Compliance Complexity
Managing TRID, HMDA, CRA, and state-specific regulations across multiple systems and jurisdictions.
Limited Product Flexibility
Months required to launch new loan products or modify existing ones in legacy systems.
Poor Data Quality
Inconsistent data across systems hindering analytics, reporting, and regulatory compliance.
Project Timeline
| Phase | Duration | Activities | Deliverables |
|---|---|---|---|
| Requirements & Design | 6 Weeks |
| Unified LOS Blueprint |
| Core Platform Build | 14 Weeks |
| Core LOS Platform |
| Channel Development | 10 Weeks |
| Omnichannel Front-end |
| Integration & Compliance | 8 Weeks |
| Integrated Platform |
| Migration & Go-Live | 6 Weeks |
| Production Deployment |
Solutions Delivered
Unified Loan Origination Platform
Single platform supporting consumer, mortgage, auto, and commercial loans with configurable workflows, rules, and decisioning.
Intelligent Decisioning Engine
AI-powered credit decisioning combining bureau data, alternative data, and custom scorecards for instant decisions.
Digital Application Experience
Omnichannel application with smart forms, document upload, e-signature, and real-time status tracking.
Compliance Automation Suite
Built-in TRID, HMDA, and CRA compliance with automated disclosures, audit trails, and regulatory reporting.
Project Team Composition
Total team size: 34 professionals
Results Achieved
75% Faster Origination
Mortgage from 45 to 12 days
3x Volume Capacity
Without adding staff
40% Better Conversion
Reduced application abandonment
50% Cost Reduction
Per loan origination cost
100% Compliance
Zero regulatory findings
90% Instant Decisions
For qualified applications
Client Testimonial
"The unified LOS platform has been transformational for our consortium. We've achieved the operational synergies we envisioned while dramatically improving customer experience. Viprata understood our complex requirements and delivered beyond expectations."
Chief Digital Officer
Regional Bank Consortium
Viprata Software Services
www.viprata.com • [email protected] • +1 (916)-412-2232
For more information about this case study or to discuss your transformation journey, please contact us.
Enterprise Loan Origination System Implementation
End-to-end digital lending platform for multi-product origination
The Client
A consortium of regional banks seeking unified lending operations:
- $15B+ combined loan portfolio
- 200+ branches across 12 states
- Consumer, mortgage, auto, and commercial lending
- 2M+ customer relationships
- Growing 25% annually in loan volume
The Challenges
Fragmented Systems
Each bank using different origination systems making it impossible to achieve operational synergies or unified reporting.
Long Cycle Times
Mortgage origination taking 45+ days and consumer loans taking 5-7 days due to manual processes.
High Abandonment
60% application drop-off due to cumbersome paper-based processes and poor digital experience.
Compliance Complexity
Managing TRID, HMDA, CRA, and state-specific regulations across multiple systems and jurisdictions.
Limited Product Flexibility
Months required to launch new loan products or modify existing ones in legacy systems.
Poor Data Quality
Inconsistent data across systems hindering analytics, reporting, and regulatory compliance.
Project Timeline
Requirements & Design
Activities
- Multi-bank requirements gathering
- Process harmonization
- Architecture design
- Vendor integration planning
Deliverables
Unified LOS Blueprint
Core Platform Build
Activities
- Workflow engine development
- Product configuration framework
- Pricing engine
- Document management
Deliverables
Core LOS Platform
Channel Development
Activities
- Digital application portal
- Banker workstation
- Mobile application
- Partner API gateway
Deliverables
Omnichannel Front-end
Integration & Compliance
Activities
- Core banking integration
- Credit bureau connectivity
- Compliance automation
- E-closing integration
Deliverables
Integrated Platform
Migration & Go-Live
Activities
- Data migration from legacy
- Parallel processing validation
- User training
- Phased bank rollout
Deliverables
Production Deployment
Our Solution
Unified Loan Origination Platform
Single platform supporting consumer, mortgage, auto, and commercial loans with configurable workflows, rules, and decisioning.
Intelligent Decisioning Engine
AI-powered credit decisioning combining bureau data, alternative data, and custom scorecards for instant decisions.
Digital Application Experience
Omnichannel application with smart forms, document upload, e-signature, and real-time status tracking.
Compliance Automation Suite
Built-in TRID, HMDA, and CRA compliance with automated disclosures, audit trails, and regulatory reporting.
Project Team
The Results
75% Faster Origination
Mortgage from 45 to 12 days
3x Volume Capacity
Without adding staff
40% Better Conversion
Reduced application abandonment
50% Cost Reduction
Per loan origination cost
100% Compliance
Zero regulatory findings
90% Instant Decisions
For qualified applications
The unified LOS platform has been transformational for our consortium. We've achieved the operational synergies we envisioned while dramatically improving customer experience. Viprata understood our complex requirements and delivered beyond expectations.
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