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Karin's Loan Process — Current State (What You Do Today)

How a loan moves through your business today, from lead arrival to funded loan. Six swim lanes, eighteen tools, twenty-one handoffs- the manual ones are the work.
Tool ★ System of record ⚠ Pain point Manual handoff
Lead Acquisition CRM + Communication Karin · Interview + Quote Kristi · Doc Processing Loan Origination Tracking leads purchased leads delivered simultaneous Karin calls lead saves notes click "push to LendingPad" push contact Karin manually fills fields sends doc list defines required docs client uploads Kristi downloads crop cleaned PDFs tax returns / W2s monthly income figure generate quote snip paste auto BCC funded Lead Marketplace figure / Rocket / HELOC credits + golden leads Where Karin buys leads. Likely LendingTree based on "golden leads" terminology. BrokerLaunch email lead source no public API Lead source feeding the BrokerLaunch folder in Outlook. Outlook BrokerLaunch folder email triage Lead emails arrive here. Auto-filtered to BrokerLaunch folder. Bonzo CRM · system of record lead inbox · SMS · drip · pipeline central hub for all leads ★ Karin's system of record. Every lead lands here, every SMS goes out from here. Re-bump drip auto BCC follow-up inside Bonzo Auto follow-up sequence triggered by BCC on quote emails. Phone interview → Word typed live during call 15-30 min per lead Karin types interview notes directly into a Word document during the phone call. Google Drive interview Word doc saved per lead Saved interview notes- reference for Karin filling LendingPad fields. Excel + VBA quote macros known bugs duplicate name + signature ⚠ Pain point. Karin manually deletes duplicate last name and duplicate signature on every quote email. Manual screenshot snip the quote section 2-3 min per lead ⚠ Pain point. Karin snips the quote out of Excel as an image to paste into Bonzo SMS. SMS via Bonzo screenshot + template "are you available to chat?" ⚠ Pain point. Image-based SMS instead of structured data. Quick-reply template inserted manually. LendingPad portal borrower upload page client-facing Where the borrower uploads documents. Google Drive (staging) doc work-in-progress Kristi's processing area Kristi pulls uploaded docs here, crops them, then puts cleaned versions back into LendingPad. Adobe Acrobat crop / convert to PDF 20-40 min per borrower Manual cleanup of borrower-uploaded documents. 20-40 min per borrower. Kristi's wiki doc requirements checklist per loan type Kristi's running document of what each borrower type needs to submit. Income calc spreadsheet per borrower type 30-60 min self-employed ⚠ Pain point. Different spreadsheet for W-2 vs self-employed vs 1099 vs rental income. LendingPad file · system of record loan origination system where the loan lives ★ The loan origination system. Borrower data, doc list, and pricing all live here. LendingPad documents cleaned PDFs back in file folder Final document folder attached to the loan file. Excel funded-loan tracker manual entry by Kristi no Lead ROI rollup yet ⚠ Pain point. Hand-entered after every funding. The data Karin needs for Lead ROI lives here but is never analyzed.

⚠ Pain heat-map

Step Frequency Time cost Why it hurts
Excel + VBA quote macros Every lead ~1 min + cleanup Duplicate last name and signature must be hand-deleted on every quote email.
Manual screenshot → SMS paste Every lead ~3 min Image-based handoff. Quote data isn't structured- can't search, can't analyze.
Income calc spreadsheets (per type) Every borrower 30-60 min self-employed One spreadsheet per income type. Tax returns / W2s manually re-entered.
Excel funded-loan tracker Every funding ~3 min + Lead ROI never run The data needed to answer "are golden leads worth it?" lives here- and is never aggregated.
Source: workflow-map-2026-04-25.md, generated from Fireflies transcripts of 2026-04-24 Karin walkthrough calls.