# 3N Performance

> 3N Performance combines mortgage operations teams, IT services, and financial software to help lenders improve fulfillment. Its MOSS workbenches supported Lima One Capital’s point-of-sale modernization; its current 3N Mortgage AI platform aims to coordinate loan work across existing systems using AI reasoning, explicit rules, and human review.

- **Founded:** 2021
- **Headquarters:** Charlotte, United States
- **Founders:** Rajesh Samantaray (Co-Founder and Chief Executive Officer), Henry Santos (Co-Founder, President and Chief Operating Officer), Wade Murray (Founder and Chief Digital Officer, as listed in historical public profiles)
- **Products:** 3N Mortgage AI, MOSS, Managed mortgage operations, Operations to AI, IT Workforce Solutions
- **Notable:** The Lima One case study reports +44% application-to-submission, +18% submission-to-closing, and 125% ROI within 12 months; vendor-reported and engagement-specific., The current website describes 100+ specialized AI agents and 20,000+ requirements, rules, and validations; these are company-stated platform scope figures., NIST University’s April 2026 chronicle names CEO and co-founder Rajesh Samantaray as a Distinguished Alumni Award 2026 recipient.

## Products & services

- **3N Mortgage AI** — Mortgage intelligence and execution layer combining specialized agents, AI reasoning, deterministic rules, evidence trails, and human governance; designed to work with existing loan origination systems.
- **MOSS** — Mortgage workbenches and point-of-sale technology tailored for employees, brokers, borrowers, and partners; documented in the Lima One Capital deployment.
- **Managed mortgage operations** — Mortgage processing and fulfillment teams operating in client systems under lender-specific policies and service levels.
- **Operations to AI** — An engagement model that runs client loan work, captures policies and exceptions, and moves execution onto 3N Mortgage AI in phases.
- **IT Workforce Solutions** — Managed services and project staffing for application management, systems administration, cloud infrastructure, enterprise data, and scrum delivery.
- **Consulting and digital engineering** — Process improvement, systems deployment, custom applications, UX/UI, product co-development, and systems integration described in the company’s service materials.

## Achievements

- The Lima One case study reports +44% application-to-submission, +18% submission-to-closing, and 125% ROI within 12 months; vendor-reported and engagement-specific.
- The current website describes 100+ specialized AI agents and 20,000+ requirements, rules, and validations; these are company-stated platform scope figures.
- NIST University’s April 2026 chronicle names CEO and co-founder Rajesh Samantaray as a Distinguished Alumni Award 2026 recipient.

## Latest updates

- **2025-07** — Published a Lima One Capital MOSS platform build and integration case study, dated July 19, 2025 on its Insights index.
- **2026-04** — NIST University’s April chronicle recognized Rajesh Samantaray with its Distinguished Alumni Award 2026.
- **2026-10** — As observed during research on October 24, the live website centers on 3N Mortgage AI and a staged operations-to-AI model. This is an observation date, not a verified product launch date.

## Links

- Website: https://3nperformance.com/
- LinkedIn: https://www.linkedin.com/company/3nperformance

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Profile page: https://yespress.io/3n-performance
Published by YesPress — https://yespress.io
Last updated: 2026-10-24