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Credible: Scalable Lending Marketplace

Success Story

Peer-to-Peer Lending Marketplace

Launching a scalable mortgage platform with real-time rates and seamless lender integrations.

3 min

refinance rate comparison with automated workflows.

15+

lender integrations built on scalable microservices.

Technologies

Java

TypeScript

Node.js

React

Spring (Boot/Framework)

AWS

Kubernetes (K8s)

Terraform

RabbitMQ

MySQL/MariaDB

Redis

Salesforce

Kafka (Confluent)

Auth0/Okta

Apollo/GraphQL

Docker

Nginx

Jenkins/CI

Expertise

Fintech

Microservices

DevOps

Back-end engineering

Security

Infrastructure as code (IaC)

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Team proficiency and integration

Our client needed a strong engineering team to get the ropes of the business model fast, integrate seamlessly with the in-house team, and take ownership of building a solution for a new business vertical - mortgages.

Business model complexity

The engineering team needed to swiftly grasp the intricacies of their business model, rules engine, credit bureau dynamics, and various product functionalities.

New vertical development

The primary business challenge was to spearhead the development of a new business vertical: mortgages, building it from scratch.

Architecture and infrastructure

The project required setting up the infrastructure, adapting it according to changing business needs, and ensuring continuous integration and delivery (CI/CD).

Compliance and standardization

Compliance and uniformity in loan applications were required, including the adoption of the 1003 URLA standard.

Operational efficiency

Streamlining document upload and sign-off processes was necessary to simplify operations and reduce manual effort, and seamless integration with Salesforce for back-office operations was required.

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Commitment to ownership

The client required an expert team capable of rapidly integrating and taking full, permanent responsibility for the entire technical lifecycle (development, production support, and recruitment).

Complex Fintech domain mastery

Our deep understanding of complex financial products, credit bureau dynamics, and the intricate Rules Engine logic provided immediate confidence that we could build and scale the highly regulated mortgages vertical from the ground up.

Zoolatech is a senior-heavy engineering firm with Silicon Valley roots and a Miami HQ, specializing in legacy modernization, system re-architecture, and AI deployment to drive long-term, compounding value.

2017

Year Founded

600+

Employees

96%

Client Satisfaction

Phase 1

Knowledge transfer and integration

The team collaborated for several months to understand the business model, rules engine, credit bureau dynamics, and various product functionalities.

Phase 2

Full technical ownership

Zoolatech assumed full responsibility for technical solutions, production support, development, and recruitment.

Phase 3

Mortgage vertical build

Our team created a system for the mortgages vertical from scratch. They developed a system that gathers prequalification data, implemented a rules engine, and built a user dashboard.

Phase 4

Complex integrations

The system collects complete information through integrations with banks and handles document collection and direct submission to lenders. The team built a complex rules engine for mortgages based on the existing core, dealing with numerous intermediary integrations.

Phase 5

Platform optimization

Our team was responsible for upgrading and optimizing the personal loans vertical of a fintech solution. They conducted partial refactoring to microservices and enhanced performance through database optimization and refactoring. The team optimized the frontend, improved the technical optimization of bundlers, and enhanced accessibility.

Phase 6

Infrastructure and scaling

The infrastructure team built a microservices-based infrastructure using Kubernetes for container management. They ensured continuous integration and delivery (CI/CD) and set up monitoring and logging to maintain high availability and scalability. The team leveraged cloud services to ensure scalability and reliability.

Phase 7

Partnership ecosystem

The team created a comprehensive system for the partnerships vertical of a fintech solution. Additionally, they built numerous widgets (SDKs) for partners and developed a landing page builder (LandingBuilder) to create custom landing pages tailored to different states or requirements using Strappy.

We took full engineering ownership and applied deep FinTech expertise with modern architecture to transform a complex lending ecosystem into a scalable, compliant platform built for long-term growth.

Mortgages vertical implementation

The team developed a system that gathers prequalification data, implemented a rules engine, and built a user dashboard. The solution is microservices-based and built from scratch, including over 15 integrations with lenders.

Personal loans optimization

Partnership system development

The team created a comprehensive system for the partnerships vertical of a fintech solution. They also built numerous widgets (SDKs) for partners and developed a landing page builder (LandingBuilder) to create custom landing pages tailored to different states or requirements using Strappy.

Infrastructure and core components

The infrastructure team handles tasks such as setting up monitoring and observability, implementing security improvements, and developing core components used by all teams. They also developed a consent management service, a CPA service to ensure data cleanup when users are deleted, and an image service.

CI/CD and scaling enablement

The infrastructure team ensured continuous integration and delivery (CI/CD) and set up monitoring and logging to maintain high availability and scalability. They also automated deployment processes and configuration management, ensuring security and compliance with regulatory requirements.

Our innovative features, such as widgets for partner websites and preapproval for mortgage purchases, offer users added convenience and flexibility.

User optimization

Optimizing user registration and single sign-on features to leverage AWS services has enhanced system functionality and performance.

Innovative features

Innovative features, such as widgets for partner websites and preapproval for mortgage purchases, offer users added convenience and flexibility.

Data flexibility

The introduction of a custom A/B testing solution provides increased flexibility for business and data analysis.

Compliance and standardization

Adoption of the 1003 URLA standard ensures compliance and uniformity in loan applications, contributing to regulatory adherence and risk mitigation.

Integration reliability

Robust integrations with third-party services and credit bureaus ensure seamless user experiences.

Operational automation

Digitizing the mortgage 1003 paperwork and streamlining document upload and sign-off processes have simplified operations and reduced manual effort.

Back-office integration

Seamless integration with Salesforce for back-office operations and the establishment of continuous integration processes further enhance operational efficiency.

System reliability

The implementation of monitoring and alerting systems ensures prompt response to system instability, enhancing reliability.

Speed to quote

Our solution enables borrowers to compare actual refinance rates within just 3 minutes, eliminating the need to navigate away from the site.

Document automation

We’ve implemented an automated document collection system for W2s, 1099s, bank statements, and tax records, streamlining the application process compared to traditional offline methods.