Co-Building a Scalable Mortgage Servicing Platform for the U.S. Market

Industry

Mortgage Lending & Loan Servicing

Challenge

A leading fintech organization needed to deliver a flexible, cloud-native mortgage servicing product that integrated seamlessly with SAP S/4HANA. The goal was to create an end-to-end, clean-core-compliant solution with rapid deployment, full scalability, and advanced automation capabilities — all while supporting millions of loans.

Results

Fixtra co-developed a ready-to-deploy product architecture fully aligned with SAP’s clean core principles. The platform automates complex lending operations, reduces operational costs, and ensures long-term extensibility through SAP BTP — setting a new benchmark for digital mortgage servicing.

Key services

SAP BTP development, Core Banking SaaS, API Developer Hub, Fiori UI Banking Interfaces

15M

Forecasted supported loans

250+

End-to-end functional components

500K+

Lines of custom BTP code

Conf.

Operational savings through productized delivery

"Fixtra’s expertise in cloud architecture and SAP BTP development was instrumental in the successful creation of Cloud for Mortgage."

Not to be disclosed

MD Cloud Platform Products

picture of an office, with a few people working at desks

About the Client

An enterprise software vendor focused on delivering modular financial products for regulated industries. With a strong presence in the U.S. mortgage market, they enable digital-first transformation for lenders and servicers via modern SaaS platforms.

The Challenge

The mortgage servicing industry is highly complex — demanding solutions that balance flexibility, scalability, and compliance. A global fintech platform provider set out to build a SaaS product tailored to the U.S. mortgage market, one that could support millions of loans while staying aligned with SAP's clean core principles and modern cloud-native expectations.

Creating this platform required deep domain knowledge, expertise in SAP Business Technology Platform (BTP), and seamless integration with SAP S/4HANA. The challenge was to bring all of this together into a single, ready-to-deploy product — not a custom implementation.

The Solution

Fixtra emerged as a key co-development partner, taking a leading role in the solution architecture and full-stack development. Over a 12-month collaboration cycle, Fixtra’s team of five SAP BTP developers worked closely with the core product engineering team, from initial concept and prototyping to market readiness.

Fixtra’s contribution focused on:

SAP BTP architecture & extensibility
RAP-based service layers
Fiori/UI5-based frontends
End-to-end integration with S/4HANA via APIs
AI-powered decisioning and workflow automation

The product was built using over 15 BTP services, more than 500,000 lines of code, and an architecture scalable to manage approximately 15 million loans.

The Results

The result was a cloud-native mortgage servicing platform that is:

Fully aligned with SAP clean core strategy
Ready for rapid deployment at scale
Cost-effective to operate and evolve
Built as a SaaS product, not a custom implementation

The platform supports over 250 functional capabilities and is forecasted to handle millions of servicing operations across the U.S. market.

With a 95%+ customer satisfaction rate, the product is now market-ready and positioned to accelerate digital transformation in mortgage servicing.