Streamlining Mortgage Data Flow: Gesa Credit Union’s Integrated Systems Success

Context & Profile

Gesa Credit Union, headquartered in Richland, Washington, is the second-largest credit union in the state with over 305,000 members and more than $6.4 billion in assets. As a rapidly growing institution in the Pacific Northwest, Gesa operates a complex mortgage operation spanning multiple systems. It utilizes Mortgage Cadence’s Loan Fulfillment Center (LFC) as its loan origination system (LOS), Fiserv DNA as its core banking platform, and Dovenmuehle Mortgage, Inc. (DMI) as its mortgage servicing provider. These systems are critical to Gesa’s lending business, and ensuring they work in unison became a top priority to maintain efficiency and data accuracy as the credit union expanded.

Challenge

The primary challenge for Gesa was eliminating data silos between its LOS, core, and servicing platforms. Without integration, employees had to manually reconcile and re-enter mortgage information across Mortgage Cadence LFC, the Fiserv core, and the DMI servicing system. This manual process was slow and error-prone, leading to delays in loan processing and potential inconsistencies in member data. The lack of real-time data sharing not only strained staff resources but also introduced compliance risks – duplicate entries and human errors could result in reporting inaccuracies or auditing issues. Gesa needed a way to seamlessly connect all three systems to ensure that mortgage data would be entered once and automatically propagated everywhere, securely and accurately.

Solution with MortgageExchange

Gesa Credit Union turned to MortgageExchange, a cloud-managed integration platform, to connect its mortgage origination, core banking, and servicing systems. MortgageExchange (from Access Business Technologies’ Mortgage Workspace) is designed to “work so you don’t have to,” automating the transfer of data between disparate financial systems. By deploying this solution, Gesa established a bi-directional data flow between Mortgage Cadence LFC and Fiserv DNA, as well as an interface linking Dovenmuehle’s servicing system with both the LOS and the core. In the Fiserv–Mortgage Cadence integration, MortgageExchange created a rules-based, real-time link: for example, a new loan application entered in Mortgage Cadence LFC is instantly reflected in the Fiserv DNA core, and any member or account updates in the core system sync back to the LOS automatically. Similarly, the DMI servicing platform was integrated so that payment, balance, and escrow updates from Dovenmuehle stay consistent with Gesa’s core and LOS data. This effectively connected all mortgage-related systems into one cohesive ecosystem.

The MortgageExchange solution brought additional advantages aligned with Gesa’s needs. Because it is a cloud-managed service, Gesa did not need to maintain on-premises servers or custom code for these integrations – the entire data exchange is handled on a secure cloud infrastructure. All sensitive mortgage and member data transferred between systems are encrypted in transit and at rest, ensuring a high level of security and regulatory compliance in the data flow. The platform’s smart connectors leverage system APIs to enable seamless communication without manual intervention, eliminating the risk of transcription errors. MortgageExchange’s design is also inherently scalable, capable of handling increasing loan volumes as Gesa grows without requiring additional hardware or major reconfigurations. In short, the solution provided Gesa with an integrated, secure, and future-proof framework for managing mortgage data across LOS, core, and servicing platforms.

Outcomes

After implementing MortgageExchange, Gesa Credit Union now enjoys streamlined mortgage data management across all three systems. The integration between Mortgage Cadence and Fiserv DNA has eliminated duplicate data entry and timing discrepancies, allowing information to flow reliably in real time across the LOS and core. Likewise, connecting the DMI servicing system means that loan servicing updates (such as payments and balances) are automatically kept in sync with Gesa’s internal records, ensuring a single source of truth for member account information. Front-line employees can trust that loan details are accurate and up-to-date no matter which system they are using, which translates into faster, more responsive service for members. The credit union reports “remarkable savings in both time and financial resources” as a result of these efficiencies. By removing the burden of manual data transfers, Gesa has significantly reduced back-office workload and operational costs. Importantly, the improved accuracy and consistency of data across systems also bolsters compliance – with automated audit trails and fewer human errors, Gesa can more easily meet regulatory requirements and internal policies.

Overall, the integration project has enabled Gesa to support its large and growing membership with greater speed and precision. Loan processing that once involved delays and double-checking is now accelerated, giving staff more time to focus on member-facing activities rather than correcting data errors. The seamless LOS ↔ core ↔ servicing connection facilitated by MortgageExchange ensures that every stakeholder – from loan officers to accounting to servicing specialists – is working with the same accurate information. This unified approach not only enhances day-to-day efficiency but also provides Gesa with a scalable solution that can accommodate future growth and new compliance demands. The success at Gesa exemplifies how a robust, bi-directional integration can transform mortgage operations for a credit union.

Conclusion

Gesa Credit Union’s experience demonstrates the power of connecting mortgage systems through a managed integration platform. By leveraging MortgageExchange to bridge its loan origination, core banking, and servicing systems, Gesa overcame the challenges of data silos and manual processes. The credit union achieved a secure, cloud-based data exchange that operates in real time, improving accuracy and reducing risk. The result is a more efficient organization that can devote more attention to its members and strategic initiatives instead of troubleshooting data discrepancies. In an era where compliance, speed, and member service are paramount, Gesa’s integrated solution provides a competitive edge – it ensures scalability for future expansion and peace of mind that critical mortgage data is consistent across all systems. This case study underlines a clear message: with the right technology, credit unions can streamline their mortgage operations, save considerable time and resources, and deliver better service by seamlessly connecting LOS, core, and servicing platforms.