Credence

Credence Funding is a mortgage company that helps people across 24 states get loans without the usual banking nonsense: just clear, sensible advice that fits real-life situations. They focus on helping customers secure the right mortgage by actually listening and advising, not just quoting rates.

But as the business grew, so did the challenge of keeping up with inbound leads, especially across different products and campaign funnels.

The Credence team was overwhelmed with manual pre-sales work. And every customer, no matter their goal, was getting the same generic website experience.

Credence needed a smarter, more personalised way to guide people toward the right loan and give their brokers time to focus on closing, not qualifying.

We built a fully customised AI Mortgage Concierge: a platform that delivers smart, personalised conversations at scale.

The concierge handles real-time quoting, campaign-specific messaging, lead qualification and seamless CRM handoff, all while adapting to the user's financial profile. Once it qualifies the lead and runs the numbers, the broker steps in to close, fully informed, with zero time wasted.

The result is a more modern, scalable and user-friendly way to sell mortgages.

Frontend

React + Tailwind CSSMobile-first design with dynamic flows based on campaign links, and a conversational UI that adapts in real time to user input

Backend

Node.js + PostgreSQL + tRPCAll app logic and campaign config

CRM

InsellerateLead tracking sync

Data

Credence's MongoDBPersonalised financial data (credit score, postcode, home value) for live mortgage quotes

AI engine

OpenAICustom logic per product and campaign, smart fallback handling and tone-shifting by user path, blending freeform questions with guided inputs like income or goals

Admin panel

Self-serve dashboardCreate and edit campaigns, update AI knowledge, review conversations. Secure role-based access for brokers, marketers and admins