Operator & builder · Mortgage and fintech

I scale fintech companies & build the systems that run them.

Twenty-five years in fintech, from sales floors to the COO seat, with two exits along the way. Today I operate Morfoo and Homekick and build their operating software myself, with AI doing the work a development team used to.

What I’m working on Read the writing
Portrait of Noah Staitman
Plano, Texas
in fintech
25 yrs
exits
2
ARR as President & COO
$8.4M → $52M+
production commits in 2026
2,000+
01Now

One throughline: making mortgage and fintech companies run better, with software I build myself.

Operating

Where most of my week goes.

  • MorfooOperator & builder

    Integrated operations platform eliminating the Frankenstack problem for mortgage brokerages. LOS, CRM, POS, marketing built as one system. Targeting 10-20 LO shops seeking scale. Agent-first GTM, channel partnerships, AI features that maintain compliance.

  • HomekickOperator

    Consumer-facing brand and lead generation engine. Designing the operational backbone for a major channel partner, including SLA management and multi-channel attribution.

Advising

Founders I work with regularly.

  • IkigaiStrategic Advisor

    AI platform that matches candidates to roles using semantic analysis of unstructured conversation. Advising on startup operations—corporate structure, team building, market segments, founder coaching, GTM, and pricing.

  • SedisXAdvisor

    Fractionalized mortgage debt, packaged into dynamic synthetic securities.

Building

Experiments that may become companies.

  • Automated LOFounder

    Community and product studio for mortgage professionals. Weekly automation sessions with 500+ members, plus proprietary tools—AI content engines, workflow templates, and marketing frameworks—built to help loan officers scale without a tech team.

  • BreadMachineBuddyBuilder

    Adapts any bread recipe for your specific machine. A consumer lab for agent-built software; soft launch in November.

02How I work now

The operator's job hasn't changed. Who can build the machine has.

This year I built the operating systems at Morfoo myself, with AI as the engineering team. Same instincts that scaled three companies, applied directly to the software instead of handed off in a spec.

The code isn't the point. The point is what a small team can run when the operator can build.

  1. 01

    Regulatory reporting on a system, not a scramble

    Quarterly state filings now run from one pipeline with evidence attached, reviewed by people and assembled by software.

  2. 02

    Commissions out of spreadsheets

    Compensation plans modeled as components and calculated deterministically, with AI used only to cross-check the math.

  3. 03

    Support knowledge that stays true

    An AI help copilot measured against a 548-question evaluation set and re-verified every product release.

  4. 04

    Checks that run without anyone remembering

    A written gate standard so every merge is safe to ship, sized to blast radius rather than importance.

See the build log →
03Track record

Three companies scaled, two exits. The lessons that carried over.

  1. 2000-2003 · LoanWeb

    Constructing the Revenue Engine

    Director of Sales & Marketing
    $120K → $10.8M ARR (90x Growth)

    Joined early stage ($10k/mo). The challenge wasn't just selling; it was building the machine that allowed sales to happen without the wheels falling off. Built the affiliate program that drove 200% production increases.

    Systems > Heroism

    A decent process scales; a rockstar individual contributor doesn't. Resilience comes from the machine, not the operator.

    CAC is Gravity

    Unit economics are the speed limit. You can't scale past your ability to acquire customers profitably (Reduced CAC 80%).

  2. 2003-2009 · LowerMyBills

    Scaling to Liquidity, Rinse & Repeat

    Sales Director → Director of Ops
    $0 → $26M EBIT → Exit
    Acquired by Experian

    Led the sprint to acquisition by Experian. Then did it again: Built the UK market from scratch ($0 → $2.6M in 6 months) inside the acquired org. Pioneered early AI/ML adoption (2008) to fix conversion leaks human intuition missed.

    Growth Hides Leaks

    The most dangerous time for a company is when it's winning but doesn't know why. Revenue covers a lot of operational sins.

    The Second Act

    Real value is captured post-acquisition. I didn't just rest and vest; I built a new $2.6M revenue stream from scratch inside Experian.

  3. 2009-2025 · LeadPoint

    The Turnaround & Operational Leverage

    President & COO
    $8.4M → $52M+ ARR → Exit
    Merged with Harmony

    Full operational turnaround. Eliminated bad debt (97% below avg), reduced legal spend by 80%, and built the infrastructure to run two companies simultaneously (building Avenu).

    The Dispensability Test

    True leverage is when the system runs without you. I built infrastructure so robust I could run the company in 10 hours/week.

    Governance = Velocity

    Clear constraints don't slow teams down; ambiguity does. We tripled revenue in 18 months by simplifying decision-making, not working harder.

04How I operate

Remove the choice

Good intentions don't survive a busy week. The checks that matter should run whether or not anyone remembers them.

Machines gather evidence, people decide

Automate the collection, the math and the paperwork. Keep judgment with the humans who are accountable for it.

Promise less, prove more

Commit to the standard you can actually meet, then make the proof automatic. Examiners, boards and customers all reward the same thing.

Write it down for whoever runs it next

If a process only works when you're in the room, it isn't a process yet. Document it so the next person, or agent, can run it without asking.

05Writing
All writing →
06Contact

Get in touch.

For board and leadership conversations, partnerships in mortgage and fintech, or comparing notes on building with AI. I read everything.

Or find me on LinkedIn.