Thrivent FCU: From Four Great Systems to One Orchestrated Flow

It’s 8:15 a.m. in mortgage operations. A loan officer finishes a closing in Mortgage Cadence LFC, someone in operations starts prepping the Dovenmuehle (DMI) boarding package, a teammate updates the member profile in Fiserv DNA, and account services checks MeridianLink Opening for the new account the borrower requested. Each tool is excellent at its job—and each demanded the same data, typed again and again. If a single digit was off, the team spent the afternoon reconciling fields, re-running files, and apologizing for avoidable delays.

Thrivent Federal Credit Union (FCU) didn’t accept that as “just how it works.” The credit union set a clearer bar: data should be captured once and trusted everywhere. That meant connecting Mortgage Cadence LFC to three critical platforms—Fiserv DNA (core), MeridianLink Opening (account opening), and DMI (servicing)—so information could move on its own, validated and consistent, without employees acting as human middleware.

Rather than commissioning one-off scripts or brittle point-to-point bridges, Thrivent chose a dedicated integration backbone: MortgageExchange® from Access Business Technologies. MortgageExchange is a cloud-managed, rules-based platform built to connect LOS, core, account opening, and servicing systems—securely and at scale.

The friction they removed was small but constant. Before, a closed loan triggered keystrokes across systems: copy borrower info, reenter terms, double-check escrow fields, regenerate a boarding file. Every step risked a typo; every hand-off introduced lag. And while the team had mastered the routine, the routine kept them away from members.

MortgageExchange changed the cadence. When a loan reaches key milestones in LFC—approved, closed, funded—event-driven rules automatically push the right data to the right place:

• Core updates post to Fiserv DNA so records are current without duplicate typing.
• Complete, validated loan packages flow to DMI for servicing setup—no “CSV gymnastics.”
• MeridianLink Opening receives exactly what’s needed when a new account or membership change is part of the lending journey.

Under the hood, MortgageExchange’s mapping and validation engine enforces data integrity. If a field is missing or out of policy, the system flags it before it becomes someone’s afternoon crisis. As a cloud-managed service, MortgageExchange encrypts sensitive data in transit and at rest, and ABT maintains the connectors so vendor updates don’t break the flow. The integration runs continuously in the background—reliable, observable, and boring in the best possible way. (Details: MortgageExchange)

Outcomes

• No more dual entry or rework. The team stopped typing the same loan three times and stopped fixing preventable inconsistencies.
• Speed where members feel it. Boarding that once waited for batch cycles now happens on time; members see accurate data and get timely access.
• Time back for the work that matters. Hours previously spent shuttling data moved to borrower coaching, exceptions, and pipeline.
• Cleaner audits and fewer surprises. Rules-driven validation and a single source of truth mean consistent, exam-ready reporting.
• A foundation that scales. Managed-in-the-cloud connectors adapt as volume grows or vendors evolve—without brittle code.

Thrivent’s standard is the same—innovation, efficiency, exceptional service—but the day-to-day feels different. The LOS isn’t arguing with the core. Account opening lines up with lending. Servicing starts on time. And the people closest to members are doing their best work because the plumbing finally is, too.

For credit unions with similar swivel-chair routines, Thrivent’s path shows a practical way forward: choose a purpose-built integration platform that treats data flow as a product, not a project. That’s what MortgageExchange delivers—a strategic backbone that unifies systems, protects data, and frees teams to focus on members.

Further Reading

See additional MortgageExchange case studies.