loan-origination
(18)
United Wholesale Mortgage
America's volume mortgage machine does not sell home loans to the public. It equips thousands of independent brokers with capital, software and speed - then earns its place behind the closing table.
ARIVE
ARIVE wants the independent mortgage broker to stop juggling tabs. Its wager is simple: put origination, borrower intake, live lender pricing and submission in one workspace - then let the broker get back to the human work.
Lenk
Lenk is a Latin American loan-origination platform that lets banks, financial entities, and fintechs digitize the entire credit lifecycle - from lead capture and onboarding to underwriting and disbursement. Its white-label, modular software automates commercial, consumer, mortgage, automotive, and leasing credit with configurable workflows and dozens of pre-built integrations to regional registries and bureaus. Founded in 2021 and backed by Y Combinator (W22), Lenk says it serves 20+ institutions across three countries, processing roughly 500,000 applications and $2B in transactions a year.
Climb Credit
Climb Credit is a New York-based fintech lender that finances career-focused education such as coding bootcamps, trucking, healthcare, cosmetology and aviation programs. It partners with vocational schools to offer private loans and interest-free recurring payment plans, using an AI-driven credit model built on more than 150 data points so applicants with limited credit history can still qualify. Founded in 2014, Climb has funded tens of thousands of learners and vets partner schools to ensure programs actually improve graduates' earning potential.
First Access
First Access is a New York-based fintech company that gives lenders in emerging markets a configurable software platform to originate loans and make credit decisions. Founded in 2011, it began by scoring the creditworthiness of people outside the formal financial system using mobile phone and alternative data, then grew into a full loan-origination and decision-engine platform that lets microfinance institutions and small-business lenders digitize operations, launch custom credit applications in roughly two weeks, and automate underwriting while keeping room for human judgment.
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.
Tidalwave
Tidalwave is a New York-based agentic AI company building SOLO, an AI-native mortgage point-of-sale platform that automates the home loan process for lenders and borrowers. Founded in 2023 by ad-tech and mortgage-tech veterans, Tidalwave uses hallucination-free AI grounded in real loan data to handle document review, data extraction, borrower communication, verification, and underwriting support - letting borrowers complete a fully verified application in about 35 minutes, in over 30 languages. In November 2025 the company raised a $22M Series A led by Permanent Capital, with participation from homebuilder D.R. Horton.
Uptiq
Uptiq is an enterprise AI company purpose-built for regulated financial services. Its platform, Qore, lets banks, credit unions, wealth firms, non-bank lenders and fintechs build and deploy AI agents that automate operational work across lending, wealth, compliance and back-office functions - with document intelligence, a library of financial skills, multi-agent orchestration and secure integrations into existing core systems. Founded in 2022 and led by CEO Snehal Fulzele, Uptiq says more than 140 financial institutions run on its platform, reporting faster underwriting, lower operating costs and higher loan volume without adding headcount.
JazzX AI
JazzX AI is a Silicon Valley company building an end-to-end AI execution platform for the mortgage industry. Backed by enterprise-AI investment firm SAIGroup, it pursues what it calls Enterprise General Intelligence (EGI) - governed, policy-aware systems that automate the full loan lifecycle from intake to close while keeping decisions explainable and audit-ready. Rather than offering point tools, JazzX connects people, data, and workflows across existing LOS/POS systems to cut cost per loan, shorten time to close, and push more loans through the pipeline without replacing a lender's stack.
Spinwheel
Spinwheel is an Oakland-based fintech that provides real-time consumer credit data and embedded-payments infrastructure through developer APIs. Using a credentialless approach that needs only a phone number and date of birth, Spinwheel lets lenders, personal-finance apps, and debt-management companies connect, verify, and act on a consumer's debts and liabilities. The platform supports the full consumer-credit lifecycle - from segmentation and prequalification to disbursement, management, and payment - and, as of its 2025 Series A, powers more than 15 million users and 165 million connected accounts representing over $1.5 trillion in connected debt.
Steve Thompson
Steve Thompson is President and CEO of PrimeLending, the Dallas-based national mortgage lender that operates as a subsidiary of PlainsCapital Bank under Hilltop Holdings. He oversees roughly 1,300 loan originators nationwide along with the company's National Operations, Capital Markets, Joint Ventures and Marketing organizations. A UCLA economics graduate with an MBA from UC Irvine's Merage School, Thompson climbed from a regional sales manager who joined PrimeLending in 2011 to president in 2017 and to president and CEO in 2020, and he was named a 2023 HousingWire Vanguard for his leadership of the mortgage company.
Flair Labs
Flair Labs builds lifelike voice AI 'digital workers' for mortgage and real estate teams. Spun out of Stanford's AI lab and backed by Y Combinator, its agents answer, qualify, follow up with, and book borrowers across voice, SMS, and email around the clock, aiming to handle the repetitive conversational work that keeps loan officers off the phones and let humans focus on judgment, empathy, and expertise.
Prelim
Prelim is a San Francisco-based fintech building white-labeled, no-code software that helps banks and credit unions open deposit accounts, originate loans, and service customers online. Founded in 2017 by Heang Chan and Chris Blaser out of Y Combinator, Prelim powers consumer and business onboarding for institutions like First Republic, Pacific Western, and City National Bank of Florida, with 50+ integrations into core banking systems.
Vesta
Vesta is a San Francisco-based B2B SaaS company building the next-generation loan origination system (LOS) for the mortgage industry. Founded in 2020 by ex-Blend engineers Mike Yu and Devon Yang, Vesta replaces legacy mortgage software with a cloud-native, open, rules-driven platform that lets lenders configure workflows, automate compliance checks, and integrate with 40+ ecosystem partners - all without custom code. Backed by Andreessen Horowitz and Pennymac, Vesta tripled its loan volume and customer count year-over-year through 2025.
Nora Apsel
Nora Apsel is the co-founder and CEO of Morty, the New York-based online mortgage marketplace she helped build from a Techstars idea in 2016 into a full-stack platform that has facilitated over $2 billion in home loans across 45+ states. She joined as Morty's founding engineer, rose to COO, and took the CEO seat in 2020. A former nonprofit worker who retooled as a software engineer at Meetup and Flurry, she is driven by using product and technology to democratize access to financial products and make one of life's most opaque transactions - getting a mortgage - transparent and buyer-first.
Clutch
Clutch is a digital origination platform built specifically for credit unions. It powers loan, deposit and business account opening - plus AI lending and collections assistants - for 150+ credit unions across the U.S., letting member-owned institutions move at fintech speed without rebuilding their core systems.
Christopher Coleman
Christopher Coleman is the Co-Founder and Chief Product Officer of Clutch (withclutch.com), a San Francisco-based fintech company transforming how credit unions compete in the digital age. A MIT mechanical engineering graduate and Stanford MBA, Coleman co-founded Carlypso (a Y Combinator-backed used-car marketplace sold to Carvana in 2017) before joining Carvana as Senior Product Director and then launching Clutch in 2020 with co-founder Nicholas Hinrichsen. Clutch has raised $106 million in total funding, including a $65M Series B in January 2025 led by Alkeon Capital with participation from Andreessen Horowitz, and now serves 150+ credit unions - including 6 of the top 10 largest in the country - having facilitated over $10 billion in consumer loans and deposits.
Larry Katz
Larry Katz is CEO and President of MeridianLink, a leading SaaS platform for digital lending and account opening used by banks and credit unions across the United States. A Harvard MBA and Yale graduate, Katz spent 15 years at JPMorgan Chase before leading finance and operations at Genesys and StubHub, then pivoting to private equity advisory before joining MeridianLink as CFO in 2024. Within 18 months he rose to President and then CEO, steering the company through a $2 billion acquisition by Centerbridge Partners in October 2025 and launching an AI-powered lending agent called Millie. His platform ethos — 'Lending Made Human' — sits at the intersection of algorithmic decisioning and community financial relationships.