TerraKode
TerraKode builds affordable SaaS for underserved B2B markets. DocChaser.io automates document collection for 41,000+ mortgage brokers.
TerraKode builds affordable, compliance-ready SaaS for underserved B2B markets. Our first product, DocChaser.io, automates document collection for independent mortgage brokers — white-labeled borrower portals with email, SMS, and phone call reminders (the only mortgage POS with this feature), plus built-in TRID, ECOA, and GLBA compliance.
The problem: 41,000+ independent loan originators in the U.S. handle 60% of all mortgage originations, yet enterprise tools like SimpleNexus (acquired for $1.2B) ignore them completely. Existing solutions cost $300+/month with months-long onboarding. DocChaser starts at $99/month and is live in 24 hours.
Where we are: MVP is built and working. Three mortgage professionals are actively testing the beta. We're recruiting up to 5 additional beta testers with free setup to validate demand before public launch.
The market: The digital mortgage software market is $6.9B today, growing at 20.7% annually. At 560 customers — just 1.4% of the independent LO market — we hit $1M ARR with 85%+ gross margins.
The bigger vision: DocChaser is the first product in our "SaaS factory" model. The infrastructure we're building (white-labeling engine, compliance framework, multi-channel notification system) is reusable across verticals. After proving the model in mortgage, we plan to launch similar products in insurance, real estate, legal, and healthcare — each reusing 70-80% of the same codebase.
The team: Scott Smith is a full-stack engineer who built the entire product himself — frontend, backend, infrastructure, and compliance framework. Based in Jacksonville, FL. We have employed developers and an infrastructure System Administrator to ensure the best results while Scott continues to develop with his team
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