Case Study: Columbus Capital Lending cuts loan closing timelines by four days with ICE Mortgage Technology's Encompass

Columbus Capital Lending Shaves Four Days Off of Lending Lifecycles While Maintaining Tough TRID Compliance Standards

Columbus Capital Lending is a Miami-based mortgage lender founded in 2014 that has closed roughly $350 million in loans serving an underserved Hispanic market with personalized service. New TRID regulatory requirements had lengthened its loan-closing timelines, creating a need to shorten cycle times without sacrificing compliance or service quality.

The company automated its closing-disclosure workflow in the Encompass platform by building a custom Loan Processor—Initial CD Request Input form that triggers disclosure requests while loans are in underwriting. That change cut average loan timelines by nearly four days, drove a 9.1% increase in annual productivity (about 164 more loans per year on the same staff), and preserved strict TRID compliance while improving service levels.

Columbus Capital Lending

Jorge Vidaurraazaga

VP of Information Technology