Accelerated Workflow Automation for Mortgage Professionals
Total Implementation Time
4-6 weeks
Implementation Phases
Discovery & Pipeline Audit
We map your current loan lifecycle from initial 1003 lead intake to post-closing. We identify specific friction points in your document collection and rate lock communication protocols.
Tasks
- -Audit current CRM (Surefire/BNTouch) lead distribution rules
- -Document manual touchpoints in the 'intent to proceed' phase
- -Review existing LOS (Encompass/Byte) API access permissions
- -Identify redundant data entry points between PPE and LOS
Who is Involved
- Read Laboratories Lead Architect
- Principal Broker
- Operations Manager
Deliverables
- Current State Friction Map
- Automation Architecture Blueprint
- Data Integrity Checklist
Focus is placed on identifying bottlenecks that cause lead fallout during the first 24 hours of the application process.
Integration & API Mapping
We establish secure connections between your tech stack. This ensures that when a lead hits your CRM, the data flows seamlessly into your Loan Origination System (LOS) without manual re-entry.
Tasks
- -Configure webhooks between LoanPASS and your CRM
- -Map field data from digital 1003 applications to Encompass folders
- -Set up secure document upload triggers via AWS or Azure
- -Establish automated rate alert triggers based on PPE data
Who is Involved
- Read Laboratories Engineers
- IT Administrator
- Compliance Officer
Deliverables
- API Connection Map
- Encrypted Data Flow Diagram
- Integration Test Report
We prioritize SOC2 compliant data handling to ensure borrower PII is protected during cross-platform transfers.
Workflow Construction & Logic
Development of the actual automation sequences, including conditional logic for document requests (e.g., self-employed vs. W2) and milestone notification triggers for borrowers and realtors.
Tasks
- -Build automated 'Needs List' reminders for missing borrower docs
- -Develop milestone SMS/Email triggers for 'Appraisal Ordered' and 'Clear to Close'
- -Create internal alerts for rate lock expirations within 7 days
- -Automate the assembly of initial disclosure packages
Who is Involved
- Read Laboratories Team
- Senior Loan Officers
- Processing Team Lead
Deliverables
- Automated Communication Templates
- Logic-Based Document Request Engine
- Pipeline Dashboard
Logic must include 'Stop' triggers to prevent automated communications if a file is placed on hold or denied to remain TILA/RESPA compliant.
Compliance Testing & QA
Rigorous testing of workflows against mortgage regulations. We ensure that every automated action creates a proper audit trail for HMDA and state audits.
Tasks
- -Verify timestamp accuracy for TRID disclosure delivery
- -Test 'Opt-out' functionality for all automated SMS/Email sequences
- -Audit the automated assembly of the compliance file
- -Load test the system with high-volume lead simulations
Who is Involved
- Read Laboratories QA Team
- Compliance Officer
Deliverables
- Compliance Audit Log Export
- QA Bug Report & Resolution Log
- Final Security Validation
Special attention is paid to the timing of 'Change of Circumstance' alerts to ensure they meet the 3-day regulatory window.
Deployment & Optimization
Live rollout to the production environment. We provide hands-on training for your LOs and processors to ensure they know how to monitor and override automations when necessary.
Tasks
- -Onboard LOs and Processors to the new automated dashboard
- -Activate live sync between BNTouch and Encompass
- -Monitor live file movement for the first 50 applications
- -Establish monthly performance review cadence
Who is Involved
- Read Laboratories Team
- Full Brokerage Staff
Deliverables
- Standard Operating Procedure (SOP) Manual
- Staff Training Video Library
- Performance Analytics Setup
Post-launch focus is on reducing 'Time to Close' by measuring the interval between 'Application Received' and 'File to Underwriting'.
Tool Integrations
Encompass by ICE Mortgage Technology
15-20 hoursPrimary LOS integration for pushing 1003 data and pulling milestone updates.
BNTouch
8-10 hoursCRM integration for lead nurturing and automated realtor updates.
LoanPASS
5-7 hoursProduct and Pricing Engine (PPE) integration for automated rate alerts.
Surefire CRM
6-8 hoursMarketing automation for post-close follow-ups and mortgage reviews.
BytePro
12-15 hoursAlternative LOS integration for independent mortgage brokers.
Common Blockers and Solutions
Blocker
Incomplete API Access in Legacy LOS
Solution
We work with your software vendor to enable SDK/API permissions or utilize RPA (Robotic Process Automation) for screen scraping where APIs are unavailable.
Blocker
Data Mapping Inconsistencies
Solution
We perform a data normalization phase to ensure 'Borrower Name' in your CRM matches the field requirements in your LOS exactly.
Blocker
Compliance Officer Resistance
Solution
We involve compliance early, providing full audit logs and 'human-in-the-loop' checkpoints for all sensitive disclosures.
Blocker
Low Borrower Engagement with Portals
Solution
We implement automated SMS reminders and 'One-Click' upload links to lower the barrier for document submission.
DIY vs. Read Laboratories
| Category | DIY | Read Laboratories |
|---|---|---|
| Implementation Speed | 6-12 months of trial and error | Fully operational in 4-6 weeks |
| Integration Depth | Surface-level Zapier connections only | Deep API/SDK integration with LOS & PPE |
| Compliance Knowledge | Risk of TILA/RESPA violations | Built-in audit trails and regulatory triggers |
| Setup Cost | $10k+ in lost productivity & software fees | $2,000 - $5,000 flat setup fee |
| Maintenance | Internal staff spends 10+ hours/week fixing breaks | Proactive monitoring and 24/7 support |
| Customization | Limited to 'out of the box' features | Custom logic for your specific loan products |
FAQ
Will this automation replace my processors?
No. It replaces the 'busy work' like chasing bank statements and manually updating realtors. This allows your processors to handle 2x the file volume without increasing their stress levels.
How do you handle RESPA and TILA compliance?
Our automations include mandatory delay timers and manual approval steps for initial disclosures. We ensure every automated email or text is logged in your LOS for a perfect audit trail.
Can you integrate with Encompass specifically?
Yes, we specialize in the Encompass Developer Connect API. We can automate folder movement, eFolder document uploads, and milestone synchronization.
What happens if our LOS or CRM changes?
Our modular architecture allows us to swap integrations without rebuilding your entire workflow logic, ensuring your business remains agile.
How quickly will we see a return on investment?
Most brokers see a ROI within the first 3-5 closed loans through reduced lead response time and faster 'Time to Underwriting' metrics.
Serving Mortgage Brokers businesses nationwide. Based in Westlake Village, CA.