Reinventing
Residential Mortgage
At Loaning.ai (HABITFACTORY USA, INC.), we are building a new kind of residential mortgage lender.
Headquartered in Irvine, California, we are not simply creating another traditional mortgage company.
Our mission is to redesign how residential lending operates —
by building a system-driven mortgage platform powered by automation and AI.
Why Loaning.ai
Instead of relying on fragmented manual processes,
we integrate the entire lending workflow into a unified architecture that connects
Pricing
Underwriting
Capital Markets
Warehouse Funding
Our goal is simple,
Make mortgage lending faster, more efficient,
and more transparent.
What We Do
Loaning.ai originates a wide range of residential mortgage products across the United States.
Our product suite includes
By combining deep mortgage expertise with technology, we are building a lending platform that can serve both traditional borrowers and complex lending scenarios.
Our Mission
Deliver competitive interest rates by eliminating operational inefficiencies — not by cutting margins.
Mortgage lending has historically relied on slow, manual, and fragmented processes.
We believe technology can fundamentally improve this system.
At Loaning.ai, we design infrastructure that enables lenders, loan officers, and borrowers to operate within a more efficient and transparent environment.
Technology + Mortgage Expertise
We believe mortgage expertise should be amplified by technology — not slowed down by manual processes.
Our platform integrates
- AI-driven workflow automation
- Structured mortgage data systems
- Digital loan origination infrastructure
- Operational tools for loan officers and processors
This approach allows us to move faster while maintaining the rigor required in residential lending.
Why Join Loaning.ai
We are building a technology-driven lending platform designed for the future of residential finance.
You will have the opportunity to:
Help design a modern mortgage infrastructure
Work at the intersection of fintech and real estate finance
Build systems that directly impact lending efficiency
Collaborate with a global team operating across the U.S. and Asia
Join Us
We are looking for professionals who want to help build the next generation of residential lending systems.
If you are interested in working at the intersection of mortgage, fintech, and technology, we would love to hear from you.
Location
Irvine, California (92614)
Apply
career@loaning.aiOpen Positions
Compensation & Benefits
We offer competitive compensation aligned with experienced mortgage professionals in California.
Benefits include
- Medical, Dental, and Vision Insurance
- Paid Time Off (PTO)
- Performance-based incentives
- Stock option eligibility (select roles)
- 401(k) retirement plan
Work Environment
Each team member receives
- Lenovo ThinkPad (Windows-based high-performance laptop)
- Dual 4K monitors
- Motorized standing desk
- Ergonomic workstation
- Modern Irvine office environment
Equal Employment Opportunity
Loaning.ai is an Equal Opportunity Employer.
Employment decisions are made without regard to race, color, religion, sex (including pregnancy, gender identity, sexual orientation), national origin, age, disability, genetic information, veteran status, or any other protected classification under applicable law.
Reasonable accommodations are available for qualified individuals.
Build With Us
If you are a mortgage professional who wants to move beyond legacy workflows —
and help build a system where expertise and technology scale together — we would like to hear from you.