Draft:Loaning.ai
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 | |
 Exterior of Loaning.ai office building | |
| Type | C corporation |
|---|---|
| Industry | Financial technology, Mortgage lending |
| Founded | 2022 |
| Founders | Yoonho Jung, Dongik Lee |
| Headquarters | Los Angeles: 3435 Wilshire Blvd Suite 1940, Los Angeles, CA 90010 Irvine: 2 Park Plaza Suite 350, Irvine, CA 92614 |
| Key people | Terry Kim (CEO) |
| Products |
|
| Brands | Loaning.ai |
| Website | loaning |
Loaning.ai is an American residential mortgage lending service operated by Habitfactory USA, Inc. It uses artificial intelligence (AI)-based data automation technology to process loan underwriting.[1][2]
Overview
[edit]Habitfactory USA, Inc. launched Loaning.ai on March 1, 2022.[3]
As of December 2025, its annual loan origination volume was ₩116.5 billion (approximately US$80.2 million, at an exchange rate of ₩1,452 per US dollar).[4][5]
Services
[edit]Real-time rate lookup
[edit]Loaning.ai provides real-time mortgage rate lookups using a proprietary engine. Traditionally, borrowers had to provide a loan officer with income and property documents and a credit score, and then wait two to three days for a rate quote; Loaning.ai automated this process.[6][7][8]
Direct mortgage lending
[edit]Loaning.ai initially operated as a mortgage broker. In June 2023, it obtained a California Financing Law License from the California Department of Financial Protection and Innovation (DFPI) and transitioned to direct lending.[9][10] The license list published by the company in February 2026 also includes lending-related licenses in Texas, Georgia, Nevada, Washington, and Virginia.[10]
History
[edit]Launch and early years (2022–present)
[edit]- March 2022: Launched the Loaning.ai mortgage service. Terry Kim was appointed as its first CEO.[3]
- April 2022: Obtained a Real Estate Officer license from the California Department of Real Estate (DRE).[10]
- May 2022: Obtained a Mortgage Loan Originator (MLO) license from the California DRE.[10]
- August 2022: Reached ₩28 billion in cumulative brokered loan volume.[6]
- January 2023: One year after its founding, annual loan volume reached ₩37.1 billion, with projected customer interest savings of ₩8.9 billion.[11]
- March 2023: Obtained a Real Estate Corporation license from the Georgia Real Estate Commission (REC).[10]
- June 2023: Obtained a California Financing Law License from the California Department of Financial Protection and Innovation (DFPI).[10]
- September 2023: Obtained a Mortgage Company license from the Texas Department of Savings and Mortgage Lending (SML).[12]
- December 2023: Obtained a Mortgage Lender license from the Georgia Department of Banking and Finance (DBF).[10]
- January 2025: Obtained a Mortgage Company license from the Nevada Division of Mortgage Lending (NDML).[13]
- March 2025: Obtained a Branch Office MLO license from the California DRE.[10]
- October 2025: Obtained a Consumer Loan Company license from the Washington State Department of Financial Institutions (DFI).[14]
- February 2026: Obtained a Lender license from the Virginia State Corporation Commission (SCC).[10]
Business expansion (2024–present)
[edit]See also
[edit]External links
[edit]References
[edit]- ↑ "카뱅·토스보다 먼저 미국 간 이 스타트업…은행도 세워야죠" [The startup that went to the U.S. before KakaoBank and Toss]. The Korea Economic Daily (in Korean). 2023-05-22. Retrieved 2026-04-27.
- ↑ "[스타트UP] "보험 분석, 10초면 끝… 美 주택 대출도 잡는다"" [[StartUP] "Insurance analysis in 10 seconds… now taking on U.S. home loans"]. Chosun Biz (in Korean). 2023-01-14. Retrieved 2026-04-27.
- 1 2 "해빗팩토리, 미국 주택담보 대출 시장 도전장.. Loaning.ai 출시" [Habitfactory enters the U.S. mortgage market, launches Loaning.ai] (in Korean). Wowtale. 2022-03-02. Retrieved 2026-09-30.
- ↑ "해빗팩토리, '로닝에이아이' 통해 누적 대출액 2561억원 달성" [Cumulative loan volume reaches ₩256.1 billion through Loaning.ai] (in Korean). Korea Insurance News. 2026-02-12. Retrieved 2026-03-12.
- ↑ ""대출이자 138억원↓"…해빗팩토리, 美서 누적 2561억원 대출" ["₩13.8 billion less in loan interest"… ₩256.1 billion in cumulative U.S. loans]. Money Today Unicorn Factory (in Korean). 2026-02-12. Retrieved 2026-04-27.
- 1 2 "Loaning.ai, 금융 이자 절감하는 모기지 혁신 가속화" [Loaning.ai accelerates mortgage innovation that cuts interest costs]. Korea Daily (in Korean). 2022-10-02. Retrieved 2026-03-17.
- ↑ "해빗팩토리 USA, 실시간 모기지 금리 조회 오픈" [Habitfactory USA launches real-time mortgage rate lookup]. ZDNet Korea (in Korean). 2022-09-27. Retrieved 2026-04-27.
- ↑ "해빗팩토리 美법인 "모기지 최저금리 10초 만에 확인하세요"" ["Check the lowest mortgage rate in 10 seconds"]. Financial News (in Korean). 2022-09-27. Retrieved 2026-04-27.
- ↑ "미국 주담대 은행 허가 받은 해빗팩토리 USA" [Habitfactory USA obtains U.S. mortgage lending license] (in Korean). Byline Network. 2023-06-28. Retrieved 2026-09-30.
- 1 2 3 4 5 6 7 8 9 "Licenses". Loaning.ai. 2026-02-26. Retrieved 2026-09-30.
- ↑ "해빗팩토리, 미국 법인 설립 1년…고객 이자 비용 총 89억 절감" [One year in the U.S.… ₩8.9 billion saved in customer interest costs]. Korea Daily (in Korean). 2023-01-16. Retrieved 2026-03-20.
- ↑ "해빗팩토리, 미국 주택담보대출 전문은행 허가 취득" [U.S. mortgage lender license obtained] (in Korean). Platum. 2023-11-28. Retrieved 2026-03-12.
- ↑ "핀테크 스타트업 해빗팩토리, 미국에서 AI로 1,500억 대출 제공" [Fintech startup provides ₩150 billion in U.S. loans with AI]. Hankook Ilbo (in Korean). 2025-02-25. Retrieved 2026-04-06.
- ↑ "해빗팩토리 美법인 설립 4년…누적 대출액 2561억원 달성" [Four years in the U.S.… cumulative loans reach ₩256.1 billion]. The Korea Economic Daily (in Korean). 2026-02-12. Retrieved 2026-04-06.
- ↑ "해빗팩토리 미국 법인, 3년 만에 누적 대출액 1526억원 달성" [Cumulative loans reach ₩152.6 billion in three years]. Electronic Times (in Korean). 2025-02-25. Retrieved 2026-03-16.
- ↑ Moon Chae-seok (2026-02-12). "해빗팩토리, 美법인 설립 4년 만에 누적 대출액 2561억원 달성" [Cumulative loans reach ₩256.1 billion four years after U.S. launch]. Asia Economy (in Korean). Retrieved 2026-03-16.