Salesforce Mortgage Operations and Integration Modernization for Oppono & CanadaLend

Oppono Lending and CanadaLend needed a Salesforce platform capable of supporting complex mortgage operations involving applications, borrowers, mortgage agents and brokerages, underwriting, pricing, property information, documents, funding, renewals, communications, reporting, and collaboration with external participants.

Since 2020, WebSolo has worked with Oppono Lending and CanadaLend to continuously expand and improve their Salesforce environment.

What began with reporting, operational improvements, and mortgage application integration evolved into a long-term Salesforce partnership covering mortgage origination, underwriting, renewals, document workflows, Experience Cloud portals, third-party integrations, customer communications, reporting, Marketing Cloud modernization, and ongoing production support.

Success Story

Connected Salesforce Mortgage Operations

Mortgage origination, underwriting, pricing, renewals, broker and lawyer portals, document automation, customer communications, reporting, and integrations with specialized mortgage platforms.

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Client Profile

Business Challenge

Mortgage operations depend on information moving accurately between multiple systems, business rules, and teams.

Applications may originate outside Salesforce through specialized mortgage platforms such as Filogix or Newton/Velocity. Once received, application information has to be translated into the Salesforce data model, matched with existing applicants, agents, brokerages, properties, and other records, and made available to internal teams without unnecessary duplicate records or manual re-entry.

From there, a mortgage application can trigger pricing calculations, underwriting rules, document requirements, approvals, customer communications, lender responses, lawyer collaboration, funding activities, reporting, commissions, and eventually mortgage renewal.

The environment therefore required more than isolated Salesforce customization. It needed a connected architecture capable of integrating specialized mortgage technologies with Salesforce while allowing business processes to evolve over time.

• Receive mortgage applications from external origination platforms.
• Map external mortgage data into a structured Salesforce data model.
• Match incoming applicants, mortgage agents, and brokerages with existing Salesforce records.
• Reduce unnecessary duplicate data and repeated manual entry.
• Support multiple mortgage origination platforms.
• Automate underwriting calculations and mortgage business rules.
• Manage mortgage pricing, validations, conditions, approvals, and funding processes.
• Automate mortgage renewals and maturity-related activity.
• Provide secure collaboration with brokers and lawyers.
• Support document requests, uploads, generation, and electronic-signature workflows.
• Automate email and SMS communications throughout the mortgage lifecycle.
• Provide management and operational reporting.
• Automate commission calculations.
• Modernize legacy Salesforce automation as the platform evolved.
• Maintain existing production operations while introducing new functionality.
• Provide long-term production troubleshooting and support.

Key Requirements

• Integrate Salesforce with Filogix LENDING Connection.
• Support inbound mortgage applications and related applicant, agent, brokerage, address, and property information.
• Implement reliable matching between incoming mortgage records and existing Salesforce records.
• Provide acknowledgement and error-handling processes for mortgage integrations.
• Support Salesforce-to-Filogix functionality as business requirements evolved.
• Integrate Salesforce with Newton/Velocity and Lendesk.
• Connect Salesforce with property and mortgage-related services including Purview and TMO.
• Automate loan-to-value calculations.
• Automate GDS and TDS calculations.
• Implement mortgage pricing logic.
• Generate and validate mortgage conditions.
• Prevent application progression when critical requirements have not been met.
• Automate mortgage renewals and maturity-related processing.
• Modernize legacy Process Builder automation using Salesforce Flow.
• Create secure broker and lawyer portal experiences.
• Support document checklist, upload, preview, versioning, and notification processes.
• Automate mortgage document generation through Conga Composer.
• Support email and SMS communication using Salesforce, Twilio, and 360 SMS.
• Create operational reports and dashboards.
• Automate commission calculations.
• Support Marketing Cloud modernization.
• Provide continuous Salesforce architecture, development, troubleshooting, and production support.

Delivered Solution

Mortgage Origination and Filogix Integration

One of the major initiatives within the engagement was a custom integration between Salesforce and Filogix LENDING Connection.

WebSolo worked with the Oppono team to map Filogix application data into the Salesforce data model and developed the services required to retrieve mortgage applications, process incoming XML, and create or update the corresponding Salesforce records.

The integration handles more than a basic Opportunity import.

• Mortgage application information.
• Applicant and borrower information.
• Mortgage agent information.
• Mortgage brokerage information.
• Addresses.
• Property information.
• Related mortgage data.
• Existing-record matching.
• Record creation where appropriate.
• Acknowledgement processing.
• Integration-error handling.
• Support and troubleshooting information.

Agent and Brokerage Matching

Incoming mortgage applications often reference agents and brokerages that may already exist in Salesforce.

WebSolo implemented matching logic that can identify existing records using business identifiers such as registration numbers, firm codes, and email addresses.

• Mortgage-agent matching.
• Brokerage matching.
• Registration-number matching.
• Firm-code matching.
• Email-based matching.
• Reuse of existing Salesforce records where appropriate.
• Creation of required new records when no appropriate match exists.

Integration Acknowledgement and Error Handling

The Filogix architecture includes acknowledgement and error-handling processes so application processing can be monitored and failed transactions can be investigated.

This became particularly important as Salesforce moved beyond isolated CRM activity and became a central operational layer in the mortgage process.

Salesforce-to-Filogix Functionality

As requirements evolved, WebSolo continued extending the Filogix integration to support additional Salesforce-to-Filogix and loan-decision related processes.

This created a more connected workflow between Salesforce and the mortgage origination platform and reduced the need to repeatedly enter the same information in multiple systems.

Supporting Multiple Mortgage Platforms

The Salesforce architecture later expanded beyond Filogix.

WebSolo developed and supported integration functionality for additional mortgage platforms including Newton/Velocity and Lendesk.

• Mortgage application intake from external platforms.
• Custom Apex integration services.
• Incoming XML parsing.
• Salesforce data mapping.
• Storage of original submissions for support and troubleshooting.
• Successful-processing acknowledgements.
• Outbound stage and status information where required.
• Integration troubleshooting and maintenance.

This multi-platform architecture allowed Salesforce to remain a common operational layer even as different origination channels and external systems were introduced.

Newton / Velocity Integration

For Newton/Velocity, Salesforce receives mortgage application information through custom Apex integration services.

The integration parses incoming XML, maps the information into Salesforce, preserves original submission information for support purposes, and acknowledges successfully received applications.

Salesforce can also send relevant information back as application stages change.

Lendesk Integration

WebSolo also supported Salesforce integration functionality involving Lendesk as the mortgage technology environment expanded.

This helped preserve Salesforce as the common operational layer even when mortgage applications originated from different external systems.

Purview Property Integration

A Purview integration allows Salesforce users to request property and registration information and return relevant results to the mortgage application process.

This allows specialized external property information to become available within the broader Salesforce mortgage workflow.

TMO Integration

The Salesforce environment also includes custom integration functionality around TMO, supporting mortgage and funding-related information exchange and downstream loan information.

Together with Filogix, Newton/Velocity, Lendesk, and Purview, these integrations allow users to work primarily from Salesforce while still accessing specialized mortgage systems.

Mortgage Workflow Automation

A significant part of the long-term engagement has focused on translating mortgage business rules into Salesforce automation.

WebSolo has implemented and maintained automation for application stages, underwriting, mortgage pricing, conditions, approvals, documentation, communications, funding, and renewals.

Loan-to-Value Calculations

Salesforce includes mortgage-specific loan-to-value calculation logic.

Different LTV scenarios can be evaluated based on factors such as:

• Purchase versus refinance.
• Mortgage position.
• Property value.
• Existing mortgages.
• Application information.
• Other mortgage characteristics.

GDS and TDS Calculations

Mortgage debt-service calculations incorporate borrower income, liabilities, property expenses, mortgage position, and other application data.

Embedding these calculations in Salesforce helps make the results available to the same workflows used by underwriting and operations teams.

Mortgage Pricing Automation

Salesforce applies mortgage-product and pricing logic based on application data and business rules.

The automation was designed to support structured pricing while still allowing users to make appropriate manual adjustments where the business process requires them.

Mortgage Conditions

WebSolo implemented functionality for generating mortgage conditions according to the characteristics of the application.

Conditions can vary based on scenarios including:

• Purchase.
• Refinance.
• Occupancy.
• Mortgage position.
• Secured line of credit.
• Holdbacks.
• Construction scenarios.
• Other mortgage-specific requirements.

Application Validations and Warnings

Custom validation and warning logic helps prevent users from progressing mortgage applications when required information or business conditions have not been satisfied.

This allows important mortgage rules to become part of the Salesforce process instead of depending entirely on manual review.

Mortgage Renewal Automation

Mortgage renewals became another substantial area of Salesforce development.

WebSolo worked with the Oppono team to redesign and automate the renewal journey, including creation of renewal Opportunities, customer communications, underwriting steps, maturity-related processing, and scheduled automation.

• Renewal Opportunity creation.
• Maturity-date automation.
• Scheduled renewal processes.
• Customer communications.
• Underwriting steps.
• Renewal-stage management.
• Client-selected renewal scenarios.
• Automatic renewal scenarios.

Mortgage Amortization Calculations

Custom amortization functionality generates mortgage payment schedules using the applicable:

• Principal.
• Interest rate.
• Payment frequency.
• Compounding frequency.
• Mortgage term.

For renewals, Salesforce can maintain both the original or client-selected scenario and an automatic-renewal scenario.

Process Builder to Salesforce Flow Modernization

As Salesforce moved away from Process Builder, WebSolo helped recreate and modernize mortgage automation using Salesforce Flow.

This reduced dependence on legacy Salesforce automation technology while preserving critical mortgage business processes.

Broker Experience Cloud Portal

Document collection and broker collaboration represented another important operational requirement.

WebSolo developed an Experience Cloud portal workflow allowing mortgage brokers and agents to securely view related applications and provide requested documentation.

From Salesforce, an internal user can select required items from an application's Document Checklist and send a request to the broker.

The broker can then:

• View related mortgage applications.
• See documents requested by Oppono.
• Review notes associated with document requests.
• Upload requested documents.
• Access active and completed deals where appropriate.

When documentation is uploaded, Salesforce updates the corresponding checklist information and notifies the appropriate internal user.

Portal Document Management

The Experience Cloud solution also supports functionality around:

• Salesforce Files.
• Document upload.
• Document version handling.
• Document preview.
• Document Checklist records.
• Internal notifications.
• External-user access controls.

The solution combines Experience Cloud, Lightning Web Components, Apex, Flow, and Salesforce Files.

Lawyer Portal and Document Collaboration

WebSolo also developed a dedicated portal workflow for lawyers involved in mortgage transactions.

Internal users can select reviewed documents within Salesforce and securely make those documents available to the appropriate lawyer.

Within the portal, lawyers can:

• Review available mortgage documents.
• Download documents.
• Upload additional documents.
• Request missing documentation.
• Complete application-related actions.

Salesforce can then notify the appropriate internal team when new documents or requests are submitted.

This creates a structured document-exchange process around the Salesforce mortgage application instead of depending exclusively on disconnected email exchanges.

Conga Mortgage Document Generation

Document generation has been part of the engagement from the beginning.

WebSolo has supported extensive Conga Composer functionality for generating mortgage-related documents from Salesforce data.

• Conga template configuration.
• Salesforce merge-field logic.
• Conditional document generation.
• Email delivery.
• Mortgage application data.
• Template-selection automation.
• Electronic-signature related processes.

The document-generation logic allows documents to respond to the specific details of a mortgage application rather than functioning only as static templates.

Email, SMS, and Customer Communications

The Salesforce platform coordinates communication throughout the mortgage lifecycle.

WebSolo has supported numerous email, notification, and SMS processes triggered by application stages and business events.

• Salesforce email automation.
• Twilio SMS workflows.
• 360 SMS workflows.
• Application-stage notifications.
• Mortgage ownership logic.
• Broker and agent notifications.
• Internal-team notifications.
• Renewal communications.
• Upcoming maturity notifications.

Reporting and Operational Visibility

Reporting was one of the first areas WebSolo worked on with Oppono in 2020 and has remained an important part of the Salesforce environment.

Reports and dashboards have supported areas including:

• Mortgage submissions by week and month.
• Funded applications.
• Closing ratios.
• Application age.
• Stage duration.
• Mortgage agent activity.
• Broker activity.
• Mortgage renewals.
• Production information.
• Mortgage pipeline information.

Where standard Salesforce reporting could not meet a business requirement, custom development was evaluated or implemented to provide the required visibility.

Commission Automation

WebSolo developed custom commission-calculation functionality within Salesforce.

The solution uses custom Salesforce objects, scheduled Apex, and automation to calculate and maintain commission records for different business scenarios.

• Business development commissions.
• Mortgage-renewal commissions.
• Scheduled calculation processes.
• Custom commission records.
• Business-rule driven calculations.
• Connection to underlying mortgage records.

Marketing Automation Modernization

As the Salesforce ecosystem evolved, WebSolo also supported the transition of marketing functionality from Pardot / Account Engagement into Salesforce Marketing Cloud.

The work included:

• Salesforce connectivity.
• Marketing Cloud Business Units.
• Data Extensions.
• Existing marketing automation.
• Form handlers.
• Landing-page related processes.
• Email templates.
• Migration and configuration support.

This reflects the broader role WebSolo has played throughout the engagement: not simply maintaining existing customization, but helping the Salesforce environment evolve as Salesforce products and the client's technology stack change.

Salesforce Platform Modernization

Long-running Salesforce environments accumulate technical dependencies over time.

WebSolo has therefore also supported platform modernization and technical-debt reduction.

• Process Builder to Salesforce Flow migration.
• Legacy automation review.
• Package dependency review.
• Security adjustments.
• Permission updates.
• Data-quality improvements.
• Integration updates when external systems change.
• Salesforce metadata backups.
• Sandbox development.
• Production validation.
• Coordinated production deployment.

Ongoing Salesforce Architecture and Production Support

A defining part of the Oppono and CanadaLend success story is the duration of the relationship.

WebSolo began working with the organizations in 2020 and has remained involved as Salesforce requirements, mortgage products, third-party systems, Salesforce capabilities, and business processes have changed.

The engagement has included hundreds of individual enhancements and business requests across Salesforce environments.

• Salesforce architecture.
• Requirements analysis.
• Custom development.
• Integration development.
• Integration troubleshooting.
• Flow and automation enhancements.
• Experience Cloud development.
• Reporting enhancements.
• Data-quality improvements.
• Security and permissions.
• Production issue resolution.
• Sandbox testing.
• Production deployments.
• Long-term platform support.

Engagement Period

The Oppono and CanadaLend Salesforce engagement began in 2020 and continues as mortgage business processes, Salesforce capabilities, and external mortgage technologies evolve.

Over time, Salesforce has expanded from reporting and mortgage application integration into a broader operational platform supporting origination, underwriting, pricing, renewals, external collaboration, communications, documents, commissions, marketing, integrations, and production operations.

Results and Benefits

The long-term engagement has helped Oppono Lending and CanadaLend develop Salesforce into a connected operational platform supporting mortgage applications, business rules, integrations, documents, communications, external collaboration, reporting, and ongoing technology change.

• Connected Salesforce with multiple specialized mortgage platforms and services.
• Reduced repetitive manual entry of mortgage application, applicant, agent, brokerage, and property information.
• Provided matching logic for existing mortgage agents, brokerages, applicants, and related records.
• Improved integration monitoring through acknowledgement and error-handling processes.
• Allowed Salesforce to remain a common operational layer across multiple mortgage origination channels.
• Automated LTV, GDS, TDS, pricing, validation, mortgage-condition, and underwriting-related processes.
• Automated significant portions of the mortgage renewal lifecycle.
• Modernized legacy Process Builder automation using Salesforce Flow.
• Provided brokers with structured and secure document collaboration through Experience Cloud.
• Provided lawyers with structured document-exchange and mortgage-collaboration processes.
• Supported document generation through Conga Composer.
• Automated customer, broker, agent, and internal-team communications.
• Improved operational visibility through reports and dashboards.
• Automated commission-calculation processes.
• Supported modernization from Pardot / Account Engagement toward Salesforce Marketing Cloud.
• Reduced technical debt through continuous Salesforce modernization.
• Allowed new functionality to be incorporated incrementally without replacing the existing Salesforce platform.
• Provided long-term technical continuity through an ongoing Salesforce partnership beginning in 2020.

Platform and Technologies

• Salesforce Sales Cloud
• Salesforce Experience Cloud
• Salesforce Marketing Cloud
• Salesforce Flow
• Apex classes and triggers
• Lightning Web Components
• Visualforce
• Salesforce Files
• Salesforce Reports and Dashboards
• Custom Salesforce objects and fields
• Custom metadata and custom settings
• Scheduled Apex
• Asynchronous Apex
• HTTP callouts
• REST APIs
• SOAP services
• XML processing
• Filogix / FxLink
• Newton / Velocity
• Lendesk
• Purview
• TMO
• Conga Composer
• OneSpan-related processes
• Twilio
• 360 SMS
• Mortgage application integrations
• Mortgage underwriting automation
• LTV calculations
• GDS and TDS calculations
• Mortgage pricing automation
• Mortgage-condition automation
• Mortgage renewal automation
• Mortgage amortization calculations
• Broker Experience Cloud portal
• Lawyer portal
• Document checklist automation
• Document upload and version management
• Commission automation
• Email and SMS automation
• Marketing Cloud migration and configuration
• Process Builder to Flow modernization
• Sandbox testing and production deployment
• Long-term Salesforce production support

WebSolo Services Provided

• Salesforce Consulting
• Salesforce Implementation and Enhancements
• Custom Salesforce Development
• Salesforce Integration and Data Migration
• Experience Cloud
• Lightning Web Components and UI
• Salesforce Support and Training

Frequently Asked Questions

What type of Salesforce work has WebSolo performed for Oppono and CanadaLend?

WebSolo has supported Salesforce architecture, mortgage-platform integrations, Apex development, Salesforce Flow, Experience Cloud portals, Lightning Web Components, mortgage workflow automation, renewals, documents, communications, reporting, commissions, Marketing Cloud modernization, technical-debt reduction, deployment, troubleshooting, and ongoing production support.

Can Salesforce integrate directly with Filogix?

Yes. WebSolo developed custom integration functionality that allows Salesforce to receive and process mortgage application information from Filogix, map the information into Salesforce records, and support related response processes.

The implementation includes XML processing, mortgage application mapping, applicant and broker or agent handling, record matching, acknowledgement logic, and integration error handling.

Does the Filogix integration only create Opportunities?

No. The integration handles broader mortgage application information including applicants, agents, brokerages, addresses, properties, and related mortgage data. Custom matching logic can identify existing Salesforce records and create new records where appropriate.

Can Salesforce support multiple mortgage origination platforms?

Yes. The Oppono and CanadaLend environment expanded beyond Filogix to support integration functionality involving Newton/Velocity and Lendesk, while Salesforce continued serving as a common operational layer.

Can Salesforce automate mortgage underwriting calculations?

Yes. The environment includes business-specific automation around loan-to-value calculations, GDS and TDS calculations, pricing, mortgage conditions, validations, and other underwriting-related requirements.

Can Salesforce support mortgage renewals?

Yes. WebSolo developed custom renewal functionality covering renewal Opportunities, maturity-related automation, customer communications, underwriting activities, mortgage amortization calculations, client-selected scenarios, and automatic-renewal scenarios.

Can mortgage brokers access Salesforce without becoming internal Salesforce users?

Experience Cloud can provide controlled external access. WebSolo developed a broker portal workflow that allows brokers and agents to view related mortgage applications, review requested documentation, upload files, and interact with document-checklist processes.

Can lawyers collaborate through Salesforce?

Yes. WebSolo developed a lawyer portal workflow that allows authorized external participants to review and download mortgage documents, upload documentation, request missing information, and perform application-related actions.

Does the solution support mortgage document generation?

Yes. WebSolo has supported extensive Conga Composer functionality used to generate mortgage-related documents from Salesforce data, including template selection, merge logic, conditional document generation, email delivery, and electronic-signature related processes.

Does Salesforce manage customer communications?

Yes. The platform supports email and notification processes as well as SMS workflows involving Twilio and 360 SMS. Communications can be triggered by application stages, ownership, mortgage renewals, and other business events.

Can Salesforce calculate mortgage commissions?

Yes. WebSolo developed custom commission functionality using Salesforce objects, scheduled Apex, and automation to calculate and maintain commission records for different mortgage business scenarios.

Has WebSolo modernized legacy Salesforce automation?

Yes. WebSolo has migrated and redesigned legacy Process Builder automation using Salesforce Flow and continues to modernize integrations, permissions, data quality, and other technical dependencies as the Salesforce platform evolves.

Does the engagement include Salesforce Marketing Cloud?

Yes. WebSolo has supported modernization of marketing functionality from Pardot / Account Engagement toward Salesforce Marketing Cloud, including connectivity, Business Units, Data Extensions, form-related processes, automation, and email templates.

Is WebSolo still supporting the Salesforce environment?

Yes. The engagement began in 2020 and is ongoing, with WebSolo continuing to provide Salesforce architecture, development, integration support, troubleshooting, enhancements, testing, deployment, and production support.

Can WebSolo support similar Salesforce mortgage projects?

Yes. WebSolo can help mortgage lenders, brokerages, and financial-services organizations integrate Salesforce with mortgage origination platforms, automate underwriting and renewals, build secure Experience Cloud portals, improve document workflows, automate communications and reporting, modernize legacy Salesforce automation, and provide long-term production support.