AI-Driven LOS Enhancement for Mortgage Lender using CopilotFinance

Our client, a leading mortgage lender, relied on Encompass LOS as the backbone for managing the loan origination lifecycle. However, the presence of multiple custom modal windows created fragmented workflows, duplicated sync logic, and inconsistent user experiences for loan officers.

These inefficiencies increased compliance risks, elevated maintenance overhead, and slowed down development velocity. To streamline operations and strengthen data accuracy, the client sought to unify and automate their sync logic across Encompass LOS using an AI-powered approach

challenge

  • The client uses Encompass LOS as the central platform for managing the entire mortgage origination lifecycle — from borrower intake to loan closing. The LOS includes multiple pop-up windows (modals) that loan officers interact with daily to update records, trigger actions, and ensure compliance. There were 20 different modals in Encompass LOS.
  • This led to the following challenges:
  • Duplicated Logic: Every modal had its implementation of sync, requiring changes to be made in multiple places whenever business rules or data handling changed.​
  • Inconsistent Behavior: Slight coding differences between modals meant loan officers sometimes experienced different results for the same “sync” action.
  • High Maintenance Effort:Compliance updates, bug fixes, and feature enhancements all required repeated work across several codebases.
  • Increased Risk to Data Accuracy:Any variation in sync logic could cause data mismatches inside Encompass LOS records.
  • Unify the Sync Logic: Create a single reusable “Sync to Encompass” button component (frontend composable).
  • Apply Across All Modals: Replace each modal’s custom button with the shared, centralized component.
  • Maintain a Shared Data State: Ensure all modals using the shared button access the same state, so changes in one modal reflect across the LOS session.
  • Ensure Reliable Data Synchronization: Guarantee that clicking the sync button in any modal consistently updates records in Encompass LOS.

solution

  • We embedded GitHub Copilot into the development process to refactor and standardize the sync functionality.
  • Key Steps Taken:
  • Pattern Recognition:AI identified repeated sync logic across all modal code.
  • Reusable Component Creation: Copilot generated a centralized “Sync to Encompass” component with unified logic.
  • Code Cleanup: Removed redundant code from each modal, replacing it with the shared component.
  • Shared State Implementation: Ensured all modals connected to the same data state, eliminating discrepancies.
  • Automated Testing: AI-generated unit tests for all relevant functions, improving test coverage from 80% to 100%.
  • Design Integration:Used Copilot for raw UI structure, followed by human refinement for Encompass LOS style and compliance.

Outcomes

  • Effort Reduction: Development story points dropped from 5 & 2 to 3 & 1.
  • Accelerated Deployment: Updates to sync logic now require changes in just one place.
  • Full Unit Test Coverage: Improved to 100%, ensuring robustness.
  • Zero Production Bugs in rollout:  Error-free rollouts for a seamless and reliable user experience.
  • Improved User Consistency: Identical behavior of the sync button across all LOS modals.
  • Maximized Team Productivity: With AI automated the repetitive, pattern-based refactoring work
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By standardizing our sync functionality with AI-powered automation, we eliminated redundant code and achieved consistent, reliable behavior across all Encompass modals. What once required repeated fixes and compliance updates now happens in one place, saving us time, reducing errors, and boosting team productivity.

Director of Technology

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