Loan Origination Software (LOS) helps mortgage lenders streamline the loan origination process, automating tasks like application submission, underwriting, credit checks, and loan approval. While LOS systems focus on organization, Bonzo is designed for communication. It integrates seamlessly with popular LOS platforms like Arive, LendingPad, and Encompass.

Although most LOS integrations follow a similar setup and functionality, there are some variations. This article focuses on the Arive integration, while also addressing differences and adjustments required for other LOS systems.

Before starting the integration setup, make sure the Pipelines feature is enabled in your Bonzo account. Pipelines can be purchased by the account owner (SuperUser or Team Lead) in the Add-ons section of the Company tab and distributed to team members from the Team Members page via permissions.

1. Once Pipelines are added, go to "Settings" and navigate to "Custom Integrations," then click on "Arive."

   

2. Provide essential details like your Client ID, Secret Key, API Key, and Arive Email, which can be found in your Arive account. Accurate credentials are critical; Arive uses company, branch, and individual credentials. Incorrect details can prevent the integration from functioning correctly for you or your team.

   

   Additional fields are available for customizing the integration based on your business needs.
   
   

3. Double-check all data fields, especially Client ID and Email. Copy and paste the information directly from Arive to avoid errors. Mismatched data is the most common reason for integration failures. Arive matches loan officer data by email address to assign loans to team members in Bonzo. After verifying your entries, review the "Pricing" and "Time-Frame" descriptions before clicking "Submit."

   Note: If you are using different email addresses for Arive and Bonzo, let the integrations team know in the "Special Instructions" section.

4. Once the integration is active, you will see a new Arive Pipeline in your Pipelines tab.
   
   

   
   
   

5. Bonzo will automatically capture every new loan created in Arive and sync status changes to mirror their progress in the Arive Milestones pipeline. The integration syncs prospect movements from Arive to Bonzo (but not vice versa). Linking campaigns and event messages to pipeline stages ensures co-borrowers and agents stay informed as prospects move through the loan process.
   
   

Integrating Arive with Bonzo optimizes your workflow by capturing new loans in Arive and syncing their progress in Bonzo. Through automation and targeted messaging, this integration enhances communication and visibility for all parties, ensuring a smoother loan process.

Note: To learn more about the Arive integration, click the link below.
Arive Field Mapping & Pipeline Stages

Arive Integration FAQ & Troubleshooting

FAQ

How does this integration work?

• Arive sends data to Bonzo when a loan application is submitted or when a loan milestone is updated.
• The integration syncs loans as prospects in the associated Arive pipeline, which is automatically added when the integration is enabled.

What information do I need to get started?

• In Arive, navigate to your settings dropdown and find your Client ID, API Key, Secret Key, and Arive Email. These can be found in the User, Company, or Branch settings under the Integrations section.

How much does this integration cost?

• The Arive integration costs $100 for the initial setup and $25 per month for hosting and maintenance, which includes updates for both platforms. This $25 per month covers all other integrations hosted in Bonzo as well.

Additional Notes

• Please copy and paste credentials directly into the integration form; screenshots cannot be used for this process.
• When Arive prospects are integrated into Bonzo, associated contacts (co-borrowers, agents) are also imported and linked to the loan.
• Team Lead vs. SuperUser Setup: The integration setup differs for a Team Lead versus a SuperUser. A Team Lead configures the integration for their team, while a SuperUser configures it for their entire organization.
• If you add new team members after setting up the integration, contact our integrations team to add them to the existing integration.

Troubleshooting

How does the integration handle existing loans and new prospects?

The integration is not retroactive. You will need to manually export closed loans or loans already in process. Once the integration is live, new prospects will sync automatically with Bonzo.

What happens if I delete a stage in Bonzo?

Deleting stages in Bonzo will break the integration, preventing loans from being assigned to the correct stage. Instead, collapse or hide stages if needed.

What should I check in my webhooks?

Ensure "Merge duplicates" and "Reattach duplicates" are enabled in your webhooks to avoid issues with duplicate contacts or stuck pipeline stages.

What if a loan applicant doesn't appear in Bonzo?

Check the logs and details section for errors. Missing or invalid data can prevent loans from syncing with Bonzo.

Integrating Encompass

Encompass provides extensive customization options, making it a more involved LOS integration to set up. Typically, members request an Encompass integration upon contract signing (for enterprise cases) or through their Member Success Advisor or Enterprise Team Member. If these scenarios don't apply, you can complete a custom integration form. After submitting the form, our integration team will reach out to collect any additional information needed to complete the integration. Additionally, they will schedule a kickoff call to delve deeper into the integration request and discuss next steps.

Note: Encompass Banker edition and Administrator access is required to set up the integration.

Configuring Encompass for integration with Bonzo involves setting up a subscription to your Encompass account. This subscription allows us to monitor specific events related to your loans, ensuring that your Bonzo account stays updated with the latest information.

Note: The Bonzo integrations team leverages specific functions to establish an Encompass subscription. This subscription triggers notifications to the specified functions, which in turn makes a callback to Encompass, allowing us to bring your data seamlessly into Bonzo.

The events we subscribe to in Encompass include:

• Milestone
• Applications
• Contacts
• Borrower

Whenever there's a change in any of these areas (milestone change, status change, contact data, borrower data, etc.), Bonzo receives an update and syncs the necessary details. This includes importing important contacts like:

• Borrower
• Coborrower
• Buyer Agent
• Listing Agent

Additionally, we provide the option to filter specific folders in Encompass. This feature is useful if there are files or loan types that you prefer not to import into Bonzo (i.e. "denied loans," "withdrawn loans," "closed loans," "broker channel," etc.). You can choose to include or exclude folders based on your workflow and requirements.

For organizing your loans and prospects, Bonzo aligns with Encompass Milestones. As your loan progresses through milestones in Encompass, it automatically moves through corresponding pipeline stages in Bonzo. For instance, when a loan reaches the "Submittal" milestone in Encompass, it transitions to the "Submitted" stage in your Bonzo pipeline. This synchronization ensures that your workflow remains smooth and consistent.

Here are some examples of how Encompass Milestones map to Bonzo Pipeline Stages:

Our integration team will go over all this information with you during the initial implementation phase. It's crucial to mention that we'll require a few Encompass users from your team to take part in a beta phase before rolling out the integration company-wide. This step is essential for maintaining quality and reducing errors.

FAQ

• If the assigned loan officer email address does not match an email address in our integrations table, we will not know who to assign the prospect to so it will not be imported.

• If the prospect is missing both a phone number and email address, we will not import it.

• If the payload includes a field that is not properly formatted, we will not be able to import it due to errors. For example, email address fields should be formatted as test@gmail.com and not “test@gmail.com; test2@gmail.com”

Note: To learn more about integrations, click on the link below.
Integrations: General Overview