mortgage-servicing
(8)
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.
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.
Kastle
Kastle is a San Francisco startup building AI voice and messaging agents purpose-built for consumer lending, starting with mortgage servicing. Its agents answer borrower calls, take payments, chase delinquent accounts, qualify loan inquiries and score every interaction against lending regulations like FDCPA, TILA and RESPA. Founded in 2024 by Rishi Choudhary and Nitish Poddar and backed by Y Combinator (S24), Kastle plugs into existing systems of record such as ICE MSP and works with large mortgage servicers, including Carrington Mortgage Services.
Haven
Haven is a New York-based mortgage technology company that gives servicers, subservicers, and lenders a white-labeled platform to keep talking to homeowners long after the loan closes. Instead of a relationship that ends at payment collection, Haven layers borrower-intent prediction, prepayment analysis, personalized offers, and financial education on top of existing servicing systems through a single API integration. Its consumer-facing Haven Wallet lets borrowers pay their mortgage and shop home services in one place regardless of who owns the servicing rights, helping lenders boost recapture, retention, and revenue per borrower.
Jonathan Chao
Jonathan Chao is the co-founder of Haven, a mortgage servicing technology platform built to engage the 53 million U.S. homeowners with a mortgage. A UC Berkeley applied-math grad who started his career as an actuary, he became one of the earliest employees at Credit Karma, led consumer product at Plaid, then launched Haven in 2020. He served as CEO through the company's $8M Series A before stepping into the Chief Product Officer seat in 2023 to focus on the product he set out to build. He was named a 2024 HousingWire Rising Star.
RoundPoint Mortgage Servicing LLC
RoundPoint Mortgage Servicing LLC is a non-bank mortgage servicer and subservicer founded in 2007 and headquartered in Fort Mill, South Carolina. It manages the day-to-day life of residential mortgages - collecting payments, running escrow, handling modifications and hardship relief - and offers third-party subservicing to investors and lenders. Authorized to service in all 50 states, the District of Columbia and the U.S. Virgin Islands, RoundPoint became a wholly owned subsidiary of Two Harbors Investment Corp. (NYSE: TWO) in 2023.
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.
Andrew Wang
Andrew Wang is the co-founder and CEO of Valon, a New York fintech that rebuilt the plumbing of mortgage servicing from scratch. An engineer-turned-private-credit-investor who left a principal seat at Soros Fund Management, he set out to fix an industry still running on software from the 1960s-80s. Valon became the first new servicer to win Fannie Mae licensing on a proprietary system, now runs tens of billions in mortgages on its platform ValonOS, and raised a $100M Series C in October 2024 led by WestCap with Andreessen Horowitz.