mortgage-servicing
(6)
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.
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.