Engineering a Future-Ready Mortgage Lending Platform

About the Client 

A Canada-based, publicly listed lending institution providing residential and construction financing solutions. With ambitions to scale and modernize, the client embarked on a journey to replace its 20+ year-old, monolithic mortgage platform with a modern, scalable digital lending system.

Business Challenge 

A 20+ year old legacy platform no longer fit for a competitive market 

The client’s mortgage platform had become a barrier to growth. Built on outdated architecture, it lacked flexibility, scalability, and integration with modern digital ecosystems. Workflows were fragmented, underwriting processes were largely manual, and document management was inefficient. 

Underwriters were constrained by low productivity, averaging only 3-4 Insured Single Family (ISF) deals per day, while industry benchmarks were nearly triple that. Similarly, Uninsured Single family (USF) deal handling lagged expected standards. With over 20 years of mortgage documents stored in outdated formats, the system could not meet the pace or compliance requirements of Canada’s fast-evolving lending environment. 

The client needed a complete modernization that would streamline underwriting, scale to support $1B+ annual mortgage volume, and lay the foundation for AI-powered lending innovations. 

The Zuci Solution 

Re-architecting legacy lending into a scalable, AI-ready platform 

Transformed the legacy system into a platform built to scale on the cloud in record time of 12 months. 

In a record one-year timeline, Zuci transformed the client’s legacy, monolithic LOS into a modular, cloud-ready, and AI-enabled lending ecosystem. By adopting a phased, microservices-driven architecture, separating borrower interfaces, underwriting logic, and data layers, the platform became scalable, easier to integrate with fintech partners, and compliant-ready. The result: loan approval cycles shortened, underwriter efficiency doubled, and the client gained the ability to innovate continuously with advanced AI models, analytics-driven decisioning, and embedded finance opportunities. 

AI-Led Underwriting: 80% Auto-Approval for Low-Risk Loans 

AI-readiness was baked into the foundation. We implemented AI-powered income verification and alternative data scoring (rental history, cash flow, and more), enabling auto-approval for nearly 80% of low-risk applications. Underwriters could now focus on complex cases, while approval timelines dropped dramatically reshaping borrower experience from weeks to days. 

Mortgage APIs That Unify, Simplify, and Accelerate 

Reusable, domain-driven APIs unified underwriting, credit checks, compliance, and broker portals into a single service layer. This eliminated duplicate builds for different loan products and cut rollout timelines from months to weeks. With this foundation, the client could respond faster to new regulatory mandates and market opportunities. 

Powered by Microsoft, accelerated by DevOps 

The platform leveraged a modern Microsoft stack- .NET Core, Blazor, Azure App Services, and SQL Server, to ensure resilience, integration-readiness, and long-term scalability. Azure DevOps pipelines brought in continuous testing, automated deployments, and rollbacks, minimizing downtime while accelerating release velocity.