Development of a Custom Loan Origination and CRM Platform for Real Estate Investment Financing

The client experiences difficulties in managing customer relationships, tracking loan applications, and processing approvals efficiently. Existing off-the-shelf CRM and loan management solutions do not meet the specific needs of their real estate financing business, resulting in manual, time-consuming processes, inefficiencies in underwriting, and limited automation for sales commissions and data verification.

A mid-sized financial institution specializing in providing short and long-term development loans to real estate investors and developers, aiming to streamline loan processing and customer relationship management.

• Create a comprehensive, user-friendly platform to manage the entire loan lifecycle, from application to funding, including document uploads, fee payments, and borrower communications.
• Automate loan origination workflows, including income verification, background checks, and underwriting procedures.
• Implement an integrated commission calculation system to automate sales and loan officer compensation tracking.
• Develop a scalable, secure application architecture leveraging modern web service design principles.
• Ensure seamless integration with external data providers, payment gateways, and third-party services to enhance verification and operational efficiency.
• Support a high volume of applications and users across multiple states with minimal friction and latency.

• Customer-facing application portal for loan application submission and status monitoring
• Document upload and management system
• Automated income and background verification tools
• Loan underwriting automation features
• Payment processing and fee management module
• Communication interface for borrower-lender interactions
• Commission calculation and reporting system
• Dashboard for monitoring application pipelines and sales metrics

• Electronic signature services for document signing
• Data verification channels for income and background checks
• Payment gateways such as PayPal or similar
• Real estate valuation and appraisal APIs
• Data providers for property information and market analytics
• Third-party email and marketing services (e.g., Mailchimp)
• Loan servicing and property search systems

• Scalability to handle thousands of loan applications and user interactions simultaneously
• High performance with minimal latency to support real-time application status updates
• Security measures compliant with industry standards for protecting sensitive personal and financial data
• System availability with 99.9% uptime
• Robust data verification and audit logging capabilities

The new system is expected to significantly reduce the loan processing time by automating underwriting workflows, improve customer experience through seamless application management, and increase operational efficiency. It aims to support over 1,000 active clients and handle loan applications across multiple regions, driving growth in loan volume and marketplace competitiveness.