{"head":{"title":"How to Build a Loan Origination System | OceanLab","description":"How to build a loan origination system: intake, documents, credit decisioning, underwriting, approvals, integrations, compliance and cost drivers.","canonical":"https://oceanlab.in/build/loan-origination"},"slug":"loan-origination","featured":[{"meta":{"slug":"lendwell","industry":"banking","projectType":"SME loan origination","country":"gb","tags":["fintech","saas","enterprise"],"compliances":["Consumer Credit Act","MLR 2017","UK sanctions (OFSI)","UK GDPR"],"cover":{"src":"/case-studies/lendwell/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Lendwell - SME Loan Origination from Application to Funded","description":"A loan origination platform for Harbour Capital, a UK digital lender offering £25,000 to £500,000 term loans to small businesses - one workspace for applications, KYB and KYC, open banking and bureau data, underwriting, credit committee, offers and funding.","category":"Banking / SME Lending","client":"Harbour Capital"}}},{"meta":{"slug":"lintel","industry":"banking","projectType":"Mortgage portal","country":"ca","tags":["fintech","enterprise"],"compliances":["OSFI Guideline B-20","FINTRAC (PCMLTFA)","PIPEDA","Quebec Law 25","Mortgage default insurance rules","Provincial mortgage broker licensing"],"cover":{"src":"/case-studies/lintel/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Lintel - Residential Mortgage Portal with Stress-Tested Underwriting","description":"Designed a residential mortgage portal for a Canadian trust company's borrowers, brokers and staff, and built a clickable staff workspace: deal pipeline, deal detail, an underwriting workbench that runs the stress test and checks lending authority, and a conditions desk that tracks every condition against the closing date.","category":"Banking / Residential Mortgage Lending","client":"Birchmount Trust"}}},{"meta":{"slug":"tarang","industry":"banking","projectType":"Consumer lending app","country":"in","tags":["fintech","enterprise"],"compliances":["RBI Digital Lending Directions 2025","RBI KYC Master Direction","RBI penal charges circular 2023","DPDP Act 2023","Account Aggregator framework","NPCI e-mandates"],"cover":{"src":"/case-studies/tarang/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Tarang - Instant Personal Loan App and Lending Operations Console","description":"Designed a personal loan app and operations console for an RBI-registered NBFC: borrowers apply, complete KYC, share bank data, sign the Key Fact Statement and receive funds in minutes, while credit, KYC and operations teams review referred applications against a versioned rule set.","category":"FinTech / Consumer Lending","client":"Aranya Finance Ltd"}}},{"meta":{"slug":"lastro","industry":"banking","projectType":"Credit scoring engine","country":"br","tags":["fintech","ai","saas","enterprise"],"compliances":["LGPD","Cadastro Positivo (Lei 12.414)","Open Finance Brasil","CMN Resolution 4.557","CMN Resolution 4.966"],"cover":{"src":"/case-studies/lastro/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Lastro - Credit Scoring Engine with Explainable Decisions","description":"A credit scoring engine for Ipê Crédito, a Brazilian digital lender, that combines Cadastro Positivo bureau data, Open Finance account data and Pix patterns into one score, returns reason codes with every decision and keeps the model governance evidence risk, compliance and credit teams need.","category":"Banking / Credit Scoring","client":"Ipê Crédito"}}},{"meta":{"slug":"chainflow","industry":"defi","projectType":"DeFi lending, borrowing & swap console","country":"ae","tags":["defi","web3","fintech","ai"],"compliances":["UAE VARA","AML/KYC","ISO 27001"],"cover":{"src":"/chainflow-1.png","width":1440,"height":1248}},"text":{"en":{"title":"ChainFlow - On-Chain Lending, Borrowing and Swap Console from Prototype to Production","description":"Unified supply, borrow, swap, vault staking and portfolio analytics into a single multi-chain console - shipped from clickable AI prototype to production in 8 weeks.","category":"DeFi / Web3","client":"ChainFlow"}}}]}