A mortgage lending company — mid-size, operating in 12 states. Their loan officers were using a legacy origination system that required borrowers to submit paper documents, re-enter information that existed in other systems, and wait days for status updates. The borrower experience was so poor that their NPS score was negative.
A major referral partner — a real estate brokerage that sent them 30% of their business — threatened to switch to a lender with a better digital experience. Losing that referral partner would cost $40M in annual origination volume.
Mortgage technology is a compliance minefield — TRID, ECOA, HMDA, state-specific licensing, flood determination, and constantly shifting agency guidelines. They needed an engineering team that could build a beautiful consumer experience AND handle the compliance complexity underneath.
Digital mortgage origination platform — application through closing. Borrower-facing app with progressive disclosure, document upload with AI-powered document classification, and real-time status tracking. Under the hood: automated income and asset verification, credit pull integration, AUS submission to Fannie Mae and Freddie Mac, automated TRID disclosure generation, and a compliance engine checking every data point against federal and state regulations before submission. Loan officer dashboard with pipeline management and exception handling. Integration with title companies, appraisers, and settlement agents.
Application-to-approval time reduced from 23 days to 8 days. Borrower NPS went from -12 to +67. The referral partner stayed — and increased their volume by 20% because their clients loved the experience. Compliance deficiency rate on regulatory exams dropped to near zero because the compliance engine caught issues that human reviewers had been missing.
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Tell us the industry, the regulatory environment, and what needs to be built. We'll tell you if we've done it before, what it should cost, and how long it takes.