Loan automation and innovation in Lending Fintech.

A partnership that drove innovation in digital lending

NFTYDoor is a fintech company revolutionizing the mortgage industry by providing a seamless digital experience. Its innovative approach includes a simple online application, autonomous underwriting, automated processing, and digital closing; granting homeowners on-demand access to the $15 trillion U.S. home equity market.
NFTYDoor was founded by Mark Schacknies and Jonathan Spinetto, serial fintech entrepreneurs with over 50 years of combined experience in real estate, finance, and technology. Headquartered in McLean, Virginia, NFTYDoor went from 5 to all 50 US States with a globally distributed team.

NFTYDoor’s Fintech Innovation

Automation

The NFTYDoor team reimagined a modern loan origination system, designing a smooth customer journey for both borrowers and mortgage professionals. Crombie’s developers then built a digital workbench integrating 30+ APIs, hundreds of data validations between banks and key data sources, and extensive rule-based logic—enabling loans to close in an average of six days, with the fastest clear-to-close in under seven minutes.

Scalability

The team designed an infrastructure capable of handling peak demand while maintaining stability and cost efficiency. A CRM was integrated to monitor loan officers’ performance and conversion rates. The platform’s modular architecture was built to allow for seamless feature expansion.

Compliance

The mortgage industry is heavily regulated at federal, state, and local levels. NFTYDoor’s system was designed to ensure every loan meets regulatory requirements and investor criteria. The platform's customizable framework adapts to evolving regulations and market demands.

Quality Assurance

FinTech demands a high standard of quality. NFTYDoor employs extensive manual and automated testing before feature releases, supported by customer service available 24/7, 365 days a year, and strict SLA guidelines.

Boosting NFTYDoor’s business model

NFTYDoor continues to transform the digital mortgage industry, and Crombie remains a strategic partner in its growth. Together, we continue optimizing the platform, integrating new solutions, and ensuring its scalability for the future.

The Collaboration

Cognitive Complexity

NFTYDoor’s platform disrupts a traditionally slow-moving industry with advanced technology. The team sought a vendor capable of handling a highly complex, fully digital operating system supporting languages such as TypeScript, Node.js, AWS, Serverless, React, and Tailwind.

Team Culture

Collaboration and rapid innovation are core to NFTYDoor’s DNA. It was crucial that their vendor aligned with these values, ensuring seamless integration and daily interaction with the in-house team.

Cost Efficiency

While strategy, design, and specifications were developed in the U.S., the majority of engineering was executed in Argentina, balancing cost efficiency with high-quality output. This model—"Designed by NFTY in the USA and built by Crombie in Argentina"—yielded optimal results.

A Highly Successful Collaboration

NFTYDoor’s success stems from its strategic leadership and deep industry expertise, complemented by Crombie’s dedicated engineering team. From its first team of 5, the number of people helping NFTY success has grown to 35 in 2025.