homeownership
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PennyMac
PennyMac grew from a crisis-era mortgage buyer into a $731 billion servicing machine. Its next act is more ambitious: turn the software and operating muscle behind that machine into a product for the rest of the industry.
Holo
Holo is a Dubai-based digital mortgage platform that lets home buyers and homeowners compare, apply for and track mortgages across 20+ banks in one place. Founded in 2020 by mortgage veterans Michael Hunter and Arran Summerhill, it pairs proprietary automation software with human advisors to cut the paperwork and opacity out of home financing. The company is profitable in the UAE, has helped tens of thousands of clients, processes over AED 1 billion in applications monthly, and raised a $22M Series A in 2025 to expand across Saudi Arabia and the wider GCC.
PrimeLending, A PlainsCapital Company
PrimeLending, A PlainsCapital Company, is a Dallas-based national residential mortgage originator founded in 1986. A wholly owned subsidiary of PlainsCapital Bank (part of Hilltop Holdings), PrimeLending offers a broad menu of home financing options - conventional, FHA, VA, USDA, jumbo, construction and renovation loans, plus refinancing - through a network of loan officers, retail branches and builder joint ventures across all 50 states. The company has ranked as a Top 10 purchase lender every year since 2012 and pairs a bank-affiliated balance sheet with digital origination tools to serve homebuyers and builder partners nationwide.
Made Card
Made Card is a New York fintech building a credit card designed specifically for homeowners. Its Made Essential Visa Signature Preferred Card - issued by Lead Bank - rewards the ordinary spending of owning a home: mortgage payments, home improvement, maintenance, utilities, gas and groceries. Points can be cashed out the usual ways or redeemed for less usual ones, like buying down the card's own APR. Founded by Ashin Shah, Christophe Van and Alex Song, the company raised $8M+ in seed funding in November 2025 and launched a nationwide distribution partnership with Fairway Home Mortgage.
Oro
Oro is a Los Angeles social fintech that turns housing into a workplace benefit. Its B2B platform lets employers offer housing wellness to every worker - renters, buyers, and owners - through concierge housing assistance, rent-to-credit reporting, homebuyer education, down payment savings programs, and housing loans. Founded by former Big Law partner George Fatheree, Oro is a Delaware public benefit corporation that raised $3 million in seed funding in January 2026 to make housing the next standard employee benefit.
Nestment
Nestment is a San Francisco-based proptech startup that helps first-time and co-buying homebuyers navigate the path to ownership. It pairs 1:1 human coaches with AI-powered affordability, analysis, and matchmaking tools, and connects buyers to a vetted network of real estate agents and lenders - including a notable model for buying homes with friends and family.
Valon
Valon is a New York-based fintech rebuilding the plumbing of the U.S. mortgage industry. Through ValonOS, a modern end-to-end servicing platform built in-house, it replaces decades-old legacy software with a single integrated system and is layering in AI agents that make auditable decisions in a highly regulated market. Founded in 2019, Valon has serviced more than $65 billion in mortgages, become the first fintech servicer licensed in all 50 states and approved by Fannie Mae, Freddie Mac and the FHA, and raised about $258 million in venture funding.