Keep your LOS. Improve everything in front of it.
Cotribute creates the digital lending experience and connects it to the loan origination system you already use. Any open LOS works — not only the systems we have connected before.
What Cotribute does. What your LOS does.
Cotribute attracts and guides applicants, captures a complete application, and connects the member and staff experience to the lending operations behind it.
Cotribute: seven digital experience stages
Offer and product selection · application and collateral capture · pre-screening · identity, fraud, and verification orchestration · document collection and e-signatures · stipulation collection · membership · post-decision communications.
Your LOS: credit and funding
Credit decisioning · underwriting · pricing · exception and review queues · booking · funding · servicing handoff and downstream processes.
The credit decision never leaves your LOS. Cotribute sends the completed application and supporting data by API, then consumes the LOS decision and status response to drive the next digital step.
On lending, the credit decision never leaves the LOS.
Cotribute runs 7 of the 9 steps
Cotribute sends the completed application and supporting data to the LOS by API. The LOS owns underwriting, pricing and decisioning, along with booking and funding. Cotribute consumes the status and decision response, then automatically triggers the appropriate stipulation request, adverse-action notice, membership step or welcome sequence.
Core-embedded LOS or standalone system — we connect in three weeks.
If your LOS provides usable APIs, give us the API documentation and a test environment. For any open LOS we have not met, we build the integration in three weeks at no additional cost. Two conditions, both stated here, and a date rather than a place in a queue.
Corelation-connected lending. Cotribute also connects directly to LOS capabilities that are part of Corelation, while underwriting, pricing, decisioning, booking and funding remain in that LOS.
Proven LOS connections in production
Corelation, Finastra Decision Pro and Sync1 Systems show connection patterns already running today. They are examples, not the limit of the LOS platforms Cotribute supports.
Corelation LOS capabilities
Cotribute connects directly to LOS capabilities that are part of Corelation. Application and supporting data flow into the LOS; underwriting, pricing, decisioning, booking and funding remain there; decisions and statuses return to Cotribute.
Finastra Decision Pro
Completed applications flow into Decision Pro through the Zelody middleware layer for automated decisioning. Webhook (HTTPS POST), shared-secret/HMAC authentication. In production at First Fidelity Bank with a SilverLake core.
Sync1 Systems
Applications, multiple applicants, employment, income, debt, collateral, identification, and custom fields flow through a REST/JSON API with bearer-token authentication. Preview and production environments; 11+ configurations running today.
Document imaging integrations
Loan and account documents land in your imaging system automatically — no manual re-filing after approval.
Synergy
Document imaging and export integration for Synergy document management systems: document image staging, XML index file generation, and S3 upload. 12+ imaging configurations in production.
OnBase
Integration with the Hyland OnBase enterprise content management system. Available — contact us for implementation details.
FastDocs
Integration with the FastDocs document management system for credit unions. Available — contact us for implementation details.
Lending workflows that convert
The same lending platform behind these integrations delivered +28% monthly loan applications and an 83% completion rate on the highest-volume product at Red River Credit Union ($1.6B assets, 123K members), and 97.6% of manual origination steps automated at Nutmeg State FCU. See customer stories →
Connect your LOS to a lending experience members finish
See the loan application flow live, or scope your open LOS environment with our integration team. API documentation + test environment, three weeks at no additional cost.
Don't see your LOS, core, or digital banking platform on our list? Contact us — we'll show you how to get a near real-time interface in place quickly.