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CourtImmo - SaaS Platform for Mortgage Brokers

CourtImmo - SaaS Platform for Mortgage Brokers

A SaaS platform co-founded with a mortgage brokerage client, leveraging AI to streamline every step from client intake to bank submission.

2025 - 2026
~3 weeks active development
CTO & Co-Founder (ACCENSEO)
Next.js 16React 19TypeScript 5.9Prisma 7PostgreSQL 16Tailwind CSS 4TerraformDockerTraefikVitest

Lines of Code

211,403

TypeScript (666 .tsx + 580 .ts)

Applications

7

7 Next.js 16 apps

DB Models

98

15 modular Prisma files

Planned Integrations

96

Stripe, Resend, Neon...

Presentation

A digital revolution for mortgage brokerage

CourtImmo is a SaaS platform designed for mortgage brokerage and insurance professionals in France. The platform leverages artificial intelligence to accelerate and streamline every brokerage process - from client intake to bank submission. Built as a Turborepo monorepo with 7 distinct Next.js 16 applications and 14 shared packages, it represents a digital transformation tool for an industry still largely dependent on manual, paper-based processes.

CTO & Co-FounderACCENSEOB2BMortgage brokers & insurance prosB2CBorrowers (client portal)
Project Nature

Multi-application SaaS platform (monorepo) - 7 distinct web applications + 14 shared packages, covering the entire mortgage brokerage workflow.

Business Domain

Finance / Real Estate - mortgage brokerage, borrower insurance, credit consolidation, professional loans. Compliance with ORIAS, GDPR, and HCSF usury rate regulations.

Functional Scope

Loan Case Management

Create, track, archive loan cases with full lifecycle management

AI-Powered Client Portal

"Zero Entry" mode - auto-extract data from documents via AI

Simulation Tools

Borrowing capacity, installments, PTZ, notary fees, insurance

Commercial CRM

Sales pipeline, prospect management, contracts, demo booking

SaaS Administration

Subscriptions, billing, feature flags, AI supervision, RBAC

Centralized Auth Hub

SSO, MFA (TOTP, WebAuthn, backup codes), magic link, phone auth

Platform Architecture
7 Next.js 16 applications connected through shared packages

Objectives, Context, Stakes & Risks

Understanding the strategic vision behind the code

Objectives
  • Deliver an all-in-one solution for brokers: CRM, simulation, case management, compliance, banking integrations
  • Automate borrower data collection through multimodal AI (document extraction, conversational chat)
  • Ensure regulatory compliance (ORIAS, GDPR, HCSF usury rates)
  • Offer a multi-tenant SaaS model with white-labeling (custom domain, branding, SMTP, email templates)
  • Address the digital transformation of the French mortgage brokerage market
Stakes
  • - Position as the reference digital solution for French brokers
  • - Strict compliance with French financial regulations (usury rates, HCSF, ORIAS) and GDPR
  • - AI supervision and cost control with monitoring and versioned prompts
Identified Risks

AI Costs

Multiple AI providers (Anthropic, OpenAI, Google) requiring fine-grained cost monitoring

ORIAS & ACPR Compliance

Every broker must be registered with ORIAS and supervised by the ACPR - the platform must verify registration status and display mandatory legal information

Usury Rate & HCSF Rules

Simulations must respect the quarterly usury rate published by Banque de France and the HCSF 35% debt-to-income cap - rates must be updated regularly to avoid non-compliant proposals

DCI & Pre-Contractual Obligations

Mandatory generation of the ESIS (European Standardised Information Sheet), duty to advise with written justification, and anti-money laundering (AML/KYC) verification for every loan case

Document Retention & Destruction

AML/KYC records must be kept 5 years after end of relationship (art. L.561-12 CMF), accounting documents 10 years (art. L.123-22 Code de commerce), ESIS and duty-to-advise reports for the loan duration + 5 years - then secure destruction with traceable proof

GDPR & Financial Data Protection

Processing income, assets and family data at scale requires a mandatory DPIA (art. 35 GDPR), encryption at rest and in transit, role-based access control, and implementation of access, portability and erasure rights for borrowers

EU Hosting & Data Sovereignty

GDPR (art. 44-49) requires hosting within EU/EEA for financial data - French hosting strongly recommended by ACPR for broker platforms, especially after the Schrems II ruling invalidating EU-US data transfers

LCB-FT / KYC & Tracfin

Brokers are subject to anti-money laundering obligations (art. L.561-2 CMF): client identity verification, PEP detection (Politically Exposed Persons), ongoing vigilance, and suspicious transaction reporting to Tracfin

Audit Trail & ACPR Controls

The ACPR can conduct on-site inspections (art. L.612-24 CMF) - the platform must maintain timestamped logs of every action: case creation, KYC validation, ESIS generation, duty-to-advise delivery, kept for a minimum of 5 years

The Steps - What We Do

A concrete, phase-by-phase journey through the build

Phase 1
Foundations & Architecture
Pre-git (~2025)
  • Designed the Turborepo monorepo architecture
  • Selected the tech stack (Next.js, Prisma, Better Auth, Tailwind)
  • Developed the data schéma (98 models across 15 Prisma files)
  • Built 14 shared packages (UI, auth, database, i18n, middleware)
  • Developed the 7 initial applications
Phase 2
Migration & Restructuring
4 Feb 2026
  • Initialized the current git repository (15 commits in one day)
  • Migrated domain from josedacosta.info to accenseo.com
  • Removed obsolete apps (app, status) from monorepo
  • Migrated to Next.js 16 (middleware to proxy pattern)
  • Major platform overhaul: centralized auth, admin dashboard, security features
Phase 3
Feature Enrichment
5-10 Feb 2026
  • Renamed MortgageApplication to LoanCase (domain-driven refactoring)
  • Added AI supervision (costs, versioned prompts, human-in-loop)
  • Built CRM pipeline (prospects, deals, contracts)
  • Redesigned web content (blog, marketing pages)
  • Fixed TypeScript strict mode compliance across all apps
Phase 4
Deployment & Debugging
23 Feb 2026
  • Resolved Prisma bundling issues for production deployment (12 commits in one session)
  • Debugged SSO authentication flow (sign-in, sessions, secrets)
  • Optimized build process (skip env validation, webpack mode)
  • Implemented temporary debug endpoints for SSO diagnosis

The Actors - Interactions

ACCENSEO team in co-founding with a brokerage client

CourtImmo is a project co-founded with a client specialized in mortgage brokerage, developed by the ACCENSEO team. As CTO & Co-Founder, I lead the technical direction and architecture. The team includes Laura L. (project manager), Lucas T. and Yassir I. (developers on work-study contracts). The project integrates AI assistants (Claude and Gemini) as structured productivity tools, under my direction and supervision for architecture decisions, code conventions, and quality validation.

Team Size

4

ACCENSEO team

Commits

54

462K insertions

Modified Files

3,154

Documentation

218

Markdown files

Results

Measurable impact for the project and personal growth

Current Features (11 major modules)

Centralized Auth Hub

SSO, OAuth, magic link, phone auth, MFA (TOTP, WebAuthn, backup codes)

Complete Broker Space

Dashboard, loan cases, document management, messaging, calendar

Simulation Suite

Borrowing capacity, installments, PTZ, notary fees, insurance, loan smoothing

AI-Powered Client Portal

"Zero Entry" mode with automatic data extraction from documents

SaaS Admin Dashboard

Client management, subscriptions, invoices, CRM, RBAC, audit logs, GDPR

Marketing Website

Product pages, pricing, blog (Payload CMS), case studies, integrations

Technical Documentation

MDX site with Contentlayer, search, navigation, Mermaid diagrams

Design System

108 UI components, 6 layouts, 16 AI components, interactive previews

Infrastructure as Code

Terraform (5 modules, 3 environments), Docker Compose (5 services), 15 CI/CD workflows

Multi-Tenant / White-Label

Organizations, plans, subscriptions, custom branding, custom domains, custom SMTP

Effort Distribution Across 7 Applications
Data Model - Entity Relationships (98 models)
Core entity relationships across 15 modular Prisma files
Personal Growth
  • Building multi-app monorepo architecture at scale (7 apps, 14 packages)
  • Deepening expertise in financial domain modeling (mortgage regulations, HCSF, usury rates)
  • Hands-on experience with multi-provider AI integration (Anthropic, OpenAI, Google) and cost supervision
  • Strengthening skills in centralized authentication patterns (SSO hub with MFA, WebAuthn, RBAC)
  • Developing Infrastructure as Code proficiency with Terraform multi-environment deployments

Project Roadmap

What we are building next

Immediate Future

Current development focuses on SSO debugging and production deployment preparation. The system is ready for multi-tenant operation with 5 configured service accounts (admin, broker, client, docs, design). The database schema is dimensioned to handle complex banking data - usury rates, rate grids, HCSF rules, and rate history.

Medium-Term Évolution

The next phase focuses on: activating the planned banking integrations, strengthening test coverage, implementing incremental database migrations, and scaling the ACCENSEO team to accelerate delivery.

Current State

The project is in active development with a feature branch (feature/shadcn-v4-migration). The comprehensive codebase demonstrates the viability of a monorepo approach for multi-app SaaS platforms. The architecture décisions - centralized auth hub, shared packages, feature-driven structure - have proven their value in maintaining code consistency across 7 applications.

Critical Reflection

Honest retrospective on strengths, weaknesses and lessons learned

Strengths

  • Exemplary Monorepo Architecture

    The séparation into 7 apps and 14 shared packages enables maximum code reuse (UI, auth, database, i18n) while maintaining clear boundaries between functional domains.

  • Cutting-Edge Tech Stack

    Next.js 16, React 19, TypeScript 5.9, Prisma 7, Tailwind v4 - using the latest versions of each technology, ensuring longevity and performance.

  • Security by Design

    Multi-method MFA (TOTP, WebAuthn, backup codes), Upstash rate limiting, audit logs, password breach checking (hibp), GDPR compliance, anti-bot, device fingerprinting.

  • Extremely Rich Data Model

    98 models covering the entire mortgage brokerage domain, with strict naming conventions and a modular schéma across 15 files.

  • Complete Infrastructure as Code

    Terraform with 3 environments (dev, staging, production), Docker Compose for local development, 15 CI/CD workflows.

  • AI as a Product Differentiator

    The "Zero Entry" mode (automatic data extraction from documents) and AI supervision (costs, versioned prompts, human-in-loop) position the product in an innovative segment.

Areas for Improvement

  • Test Coverage to Strengthen

    52 test files and 27 E2E tests for 211,000 lines of code and 172 pages - the test-to-code ratio is low.

  • Single Database Migration

    The entire schéma (98 tables) sits in a single initial migration. In production, the lack of migration history makes rollbacks and schéma évolution riskier.

  • Small Team Scale

    A 4-person team (CTO, project manager, 2 work-study developers) for an ambitious scope. Knowledge sharing and documentation are key to reducing the bus factor.

Lasting Lessons
  • 1.The Turborepo + pnpm monorepo is a viable architecture for multi-app SaaS platforms - code reuse through shared packages justifies the setup complexity.
  • 2.Centralized authentication (SSO hub) is a strong pattern - it avoids duplicating auth logic in every app and simplifies session management.
  • 3.Strict naming conventions in Prisma/PostgreSQL pay off long-term - clear @map/@@map mappings eliminate ambiguity between code and database.
  • 4.Infrastructure as Code (Terraform) from the start facilitates reproducibility - all 3 environments are perfectly aligned through shared modules.
  • 5.Extensive documentation is an investment that protects the project - a small team that documents abundantly reduces its bus factor and accelerates onboarding.

Related journey

Professional experience linked to this achievement

ACCENSEO - CTO & Founder

IT consulting and software company providing comprehensive services: custom software development, system integration, cloud infrastructure, database hosting, and technical advisory. Helping SMEs and mid-cap companies transform their IT systems into competitive advantages.

Skills applied

Technical and soft skills applied

Hard Skills

softwareDevFull-Stack Development
architectureSystem Architecture & Design
devopsCloudCloud Architecture
devopsCloudDevOps & CI/CD

Image gallery

Project screenshots and visuals