Strategy and Solutions

Zymr engineered a modular compliance automation engine using event-driven architecture to provide real-time oversight and traceability. The system automatically flagged potential compliance risks during loan processing and logged all audit checkpoints required for CFPB and HMDA reporting. We implemented immutable document version control to maintain an accurate history of all changes and built a configurable rule engine that allowed compliance teams to update regulatory logic without redeploying the application. This approach reduced reliance on developers for compliance changes and ensured the platform could quickly adapt to new rules across multiple states.

About the Client

A U.S.-based SaaS startup developing a mortgage Loan Origination System (LOS) for small and mid-sized credit unions. As they expanded across multiple states, they needed to keep pace with evolving compliance requirements from HMDA, CFPB, and state-level regulators.

Key Outcomes

Cut manual compliance review workload by 60%.

Improved regulator trust, supporting faster licensing approvals in new states.

Business Challenges

Manual compliance tracking was error-prone and made audit preparation resource-intensive. Document traceability was inconsistent, and regulatory updates required code changes, slowing deployment. The startup needed an automated, scalable solution to manage compliance as they grew into new markets.

Business Impacts / Key Results Achieved

The client passed its first full regulatory audit with zero critical flags, reducing compliance prep time by 70%. They scaled operations into five additional states within six months.