Sometimes rip-and-replace isn’t always the best route.
Suncoast Credit Union, one of the largest credit unions in the U.S., reduced its mortgage time-to-close by 29% by optimizing its existing deployment of the Mortgage Cadence Platform (MCP), according to a new case study from Mortgage Cadence.
The case study, “From Fragmented to Streamlined: How Suncoast Credit Union Cut Time-to-Close by 29% with MCP,” details how the credit union reclaimed efficiency, improved staff experiences, and restored borrower and Realtor trust by optimizing its existing LOS.
For Suncoast Credit Union, years of well-intentioned customizations had slowed the loan process, delayed closings, and created internal frustrations. Instead of replacing its LOS, the credit union partnered with existing LOS provider, Mortgage Cadence, to streamline workflows, restore automation, and drive efficiency. The results were immediate and significant: clear-to-close times dropped from 31 to 22 days—14 days faster than the industry average for banks in 2024, according to data from STRATMOR Group.
“The Suncoast Credit Union story is proof that transformation doesn’t always mean starting over with a new system,” says Pedro Garcia, CEO of Mortgage Cadence, in a release. “By leveraging MCP and our team’s deep expertise, Suncoast turned complexity into clarity, delivering faster closings, better experiences, and renewed confidence for staff and borrowers alike.”
In addition to faster closing timelines, Suncoast Credit Union experienced improved staff adoption, stronger Realtor relationships through its “21 and Done” campaign, and ongoing platform enhancements without disruption thanks to MCP’s continuous release cycle.
“True efficiency comes from designing processes that can adapt and scale,” says Ryan Varner, head of client success at Mortgage Cadence. “With Suncoast Credit Union, we weren’t just fixing workflows, we were helping them build a foundation for speed and growth in a changing market.”
The case study underscores the value of MCP’s open architecture and automation-driven design. By working collaboratively with Mortgage Cadence’s Professional Services and Client Success teams, Suncoast Credit Union transformed its LOS from fragmented to future-ready, aligning its operations with the digital standards shaping modern mortgage lending.