Home Equity Lending. Faster Closings. Lower Costs. Zero Record Locks.

Executive Summary

Home equity lending teams often lose time to stalled applications, locked files, manual document work, and disconnected workflows.

Accelerize 360 addressed this by introducing an AI-driven Agentic POS+ layer built on Salesforce. Instead of replacing Encompass, the solution allowed the LOS to remain the system of record while Salesforce actively orchestrated the borrower journey, document processing, decisioning, and workflow movement.

The full case study covers the complete architecture, workflow design, and business impact.

Key Challenges

Borrower drop-of

Rigid 1003 forms created friction in the HELOC application journey.

Record lock delays

Processors and underwriters were slowed down by sequential file access in the LOS.

Manual document work

Document review, OCR correction, and data re-entry added cost and complexity.

Workflow inefficiency

Disconnected tools made it difficult to move loans forward quickly and consistently.

The Approach

An Agentic Layer for HELOC Orchestration

Accelerize 360 built an Agentic POS+ layer on Salesforce to actively guide the HELOC workflow.

The solution helped borrowers move through a more adaptive intake experience, sequenced document and verification steps, supported real-time decisioning, and resolved LOS record lock challenges in the background.

This allowed lending teams to work more efficiently while keeping Encompass as the stable system of record.

Business Impact

• Faster borrower intake through a guided, HELOC-specific experience.
• Reduced manual effort across document processing and verification.
• Improved workflow movement despite LOS record lock constraints.
• Lower production costs through automation and better orchestration.
• Greater flexibility for future HELOC workflow changes.

Full metrics and operational benchmarks are included in the downloadable case study.

Technology Snapshot

• Salesforce Financial Services Cloud / Sales Cloud / Service Cloud
• Agentic POS+ orchestration layer
• Summit AI Assistant by Accelerize 360
• Encompass by ICE Mortgage Technology
• Intelligent OCR and auto-classification
• Built-in DTI and LTV policy engine
• Optimal Blue pricing integration

Download the Full Case Study

The complete case study includes:

• Before-and-after workflow comparison.
• Hidden cost drivers in HELOC origination.
• Agent-guided borrower intake.
• Intelligent document processing.
• Record lock resolution approach.
• Business impact metrics.
• Full technology stack.

Fill out the form to access the full case study PDF.

Looking Ahead

With an agentic orchestration layer in place, lenders can modernize home equity lending without replacing their LOS.

The result is a faster, more flexible, and more cost-efficient HELOC workflow that helps teams move from application to decision with less friction.