MortgageHippo (now Revvin) provides a customizable, white-labeled digital lending platform (DLP) that allows US banks, credit unions, and independent mortgage lenders to deliver modern digital borrower experiences. As their client base expanded nationwide, Elementica embedded as a dedicated integration engineering team.
Product Development/Finance/USA
Billions in monthly origination volume processed across the nationwide lender network
Hundreds of institutions operating active, white-labeled lending portals simultaneously
SOC-2 & ISO 27001 zero-trust data security maintained across every external API endpoint
Client context
MortgageHippo powers digital lending for hundreds of financial institutions across the United States. Their core product is a white-labeled software suite: a borrower application interface and a loan-officer management portal that banks configure under their own branding. The platform processes billions of dollars in mortgage applications every month.
However, in enterprise mortgage lending, software doesn't run in a vacuum. Every financial institution that buys the platform requires deep connections into its own legacy technology ecosystem — including credit reporting bureaus, asset verification providers, flood insurance tools, and proprietary core banking systems.
The challenge
As MortgageHippo scaled up its customer acquisition, third-party integrations became the primary operational bottleneck. The team faced two critical engineering hurdles:
- Heterogeneous Tech Stacks: Each newly onboarded lender brought a unique mix of legacy software. One bank might rely on modern REST/JSON microservices for credit checks, while another used legacy SOAP/XML APIs for its Loan Origination System (LOS).
- Strict Security & Compliance Constraints: Because the system handles Sensitive Personally Identifiable Information (SPII/NPI), financial statements, and credit histories, every integration had to comply strictly with SOC-2 Type II and ISO 27001 auditing standards without degrading system latency or core platform performance.
Elementica's role
Elementica integrated directly into MortgageHippo's core development organization as a specialized integration engineering unit. We owned the end-to-end lifecycle of third-party connectors — from technical discovery and API schema mapping to middleware execution, testing, and production deployment.
The solution
Modular Integration Middleware
Rather than creating fragile, custom API calls for every new customer, we extended MortgageHippo's proprietary low-code configuration engine. We built standardized abstraction layers that mapped disparate third-party payload formats into unified internal data structures. This allowed lenders to select and configure their preferred credit bureaus or payment processors directly through admin settings without requiring core code changes.
Bank-Grade Data Security & Encryption Pipelines
We designed all external API connectors under a strict zero-trust model. Using hardware-backed encryption, payload field-level masking, mutual TLS (mTLS) authentication, and transient memory processing, sensitive financial data is normalized and passed directly to target systems without storing unencrypted NPI in intermediate database tables.
Automated Integration Testing Suite
To prevent updates from breaking live lender environments, we built an automated testing harness that mocked third-party financial endpoints. This suite validated incoming and outgoing payload structures, handled API rate limiting, and verified failure-recovery protocols under load.
Engineering decisions that mattered
Extending the low-code engine over bespoke coding
When high-value lenders requested unique API workflows, the easy path was writing custom, hardcoded conditional logic inside the core codebase. We deliberately rejected this approach. Instead, we spent the extra time extending MortgageHippo's low-code schema engine. Every custom endpoint was built as a configurable component, ensuring the core platform remained clean, maintainable, and scalable for future customers.
Asynchronous event queues for legacy LOS latency
Legacy Loan Origination Systems are notoriously slow and prone to timeout spikes during peak banking hours. To prevent slow third-party responses from freezing the borrower UI, we decoupled payload delivery using AWS SQS queue pipelines with exponential backoff retries, ensuring reliable event delivery even if an external LOS experienced transient downtime.
Results
Elementica's integration engineering expanded MortgageHippo's technical capacity, eliminating the onboarding backlog. The enhanced throughput enabled the successful launch of DLP 2.0, leading to the rapid onboarding of more than 75 new enterprise lenders — spanning major regional banks, credit unions, and independent mortgage companies — while maintaining 100% compliance with SOC-2 audit requirements.
Product evolution
In November 2023, MortgageHippo rebranded as Revvin, doubling down on its configurable, no-code lending infrastructure. The modular integration architecture built during this phase remains a core foundation of the platform as it expands into broader consumer lending channels.
