Draft:Loaning.ai
This draft's references do not show that the subject meets Wikipedia's criteria for inclusion for organizations and companies. The draft requires multiple published secondary sources that:
Where to get help
How to improve a draft
You can also browse Wikipedia:Featured articles and Wikipedia:Good articles to find examples of Wikipedia's best writing on topics similar to your proposed article. Improving your odds of a speedy review To improve your odds of a faster review, tag your draft with relevant WikiProject tags using the button below. This will let reviewers know a new draft has been submitted in their area of interest. For instance, if you wrote about a female astronomer, you would want to add the Biography, Astronomy, and Women scientists tags. Editor resources
|  |
This draft appears to contain text generated by a large language model (such as ChatGPT). You cannot use LLMs to generate article content.
LLM-generated pages with certain obvious signs of being machine generated may be deleted without notice. Instead, only summarize in your own words a range of independent, reliable, published sources that discuss the subject. See the advice page on large language models for more information.This draft's references do not show that the subject meets Wikipedia's criteria for inclusion for organizations and companies. The draft requires multiple published secondary sources that:
Declined by Kisseran 2 days ago.
| |
Comment: In addition, this is still LLM generated, with some superficial revision. bonadea contributions talk 10:16, 2 October 2026 (UTC)
 | |
 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.
Wikipedia articles must be written neutrally in a formal, impersonal, and dispassionate way. They should not read like a blog post, advertisement, or fan page. Rewrite the draft to remove:
Instead, only summarize in your own words a range of independent, reliable, published sources that discuss the subject.
If you have a conflict of interest (e.g. you are the subject, an employee, or a relative) or are being paid to edit, you must disclose this to comply with Wikipedia's Terms of Use.