New solutions streamline mortgage processing, underwriting, and servicing to address $2.8 trillion market opportunity
Vontive, the technology company standardizing the business-purpose mortgage, today announced several first-of-their-kind data products designed to transform how private capital flows into investment real estate. Before Vontive, the entire credit asset lifecycle—from origination and underwriting to servicing and aggregation—had to be done manually. Vontive’s platform automated these processes, and its latest features add an unprecedented level of insight, intelligence, and efficiency to facilitate investments. Separately, Vontive also announced an equity investment from Citi and its first $150 million revolving securitization, further highlighting Vontive’s momentum in driving private credit real estate investment at scale.
"Vontive has created the intelligent data backbone necessary to fundamentally change access to private credit in real estate,” said Shreyas Vijaykumar, CTO and Co-founder of Vontive. “Our latest products are about more than automation – they unlock patterns and opportunities that were previously undetectable. Vontive’s technology stack now allows us to process mortgage data with unmatched speed and scale.”
The news comes at a critical time, as financial institutions actively seek higher-yielding exposure to U.S. mortgage credit. Underscoring demand, the yield spreads on traditional bonds have reached historically tight levels while private credit is expected to grow to $2.8 trillion by 2028. Innovative solutions, like Vontive, are needed to channel private credit effectively and address housing market needs amid a chronic and worsening shortage of affordable housing.
"For too long, the mortgage industry has been held back by time-consuming, error-prone manual processes that prohibit the ability to scale investment," said Charles McKinney, CEO and Co-founder of Vontive. "Our mission has been to build technology that disrupts how private credit is deployed in real estate. These innovations represent years of development work that's now paying dividends in accuracy, speed, and risk reduction."
FinTech Leadership Combined with Industry Expertise to Drive the Industry Forward
Vontive’s data-driven infrastructure solves the fundamental challenge of scaling access to private credit: standardizing what has historically been a highly fragmented and complex market. Leveraging deep expertise in the mortgage industry, Vontive built its underlying components to work together as a flywheel to deliver unparalleled transparency and efficiency. Its latest data products include:
- AI-Powered Document Processing: Vontive's proprietary AI pipeline processes hundreds of pages of PDFs involved in mortgage transactions, extracting key information with 95% accuracy from various document types – including purchase contracts, insurance binders, and tax certificates – and performing mathematical reasoning on extracted data (e.g., calculating annualized tax from various payment schedules) to solve problems. The pipeline feeds into Vontive’s systems to inform all aspects of the platform, identifying and analyzing vital information for more accurate underwriting and pricing while reducing processing time exponentially.
- Loan Catch: Operating continuously in the background on every loan, this system automatically validates data across thousands of criteria, making sure all relevant points agree at all stages of the loan. This replaces lengthy, tedious manual review processes. The system instantly alerts teams when something needs attention and ensures nothing is missed, which is particularly valuable for complex edge cases that human underwriters might encounter infrequently. Learn more about how we developed this system with our partner Materialize here.
- Loan Match: Vontive's pricing engine encodes pricing schedules as multidimensional surfaces and automatically selects the best points on the pricing surface based on the specific loan characteristics and eligibility requirements. Borrowers are always connected with their best loan program across providers. New pricing schedules can easily be incorporated and updated via a standardized intermediate format and API, while preserving the historical policies and the ability to price as-of a specific date.
- Construction Draw & Servicing: Vontive significantly accelerates the construction draw process with virtual inspections through FaceTime-like video calls. This eliminates delays from in-person inspections and provides continuity of experience throughout the loan lifecycle through in-house servicing for all short-term loans.
These technological advancements stack on Vontive's proprietary forecasting system, which analyzes market activity across 10,000 U.S. zip codes. Combined, Vontive customers get greater certainty and immediate access to credit assets that provide a high-quality yield, uncorrelated with broader equity and bond markets, and based on this data-centric approach, Vontive’s delinquency rate is among the best in the industry.
"We're solving the challenge of scaling access to private credit by standardizing what has historically been a highly fragmented and complex market," McKinney added. "In practical terms, this means real estate entrepreneurs can more quickly access the capital they need to renovate America's aging housing stock, while institutional investors gain efficient access to high-quality yield uncorrelated with broader markets."
Named to Deloitte's 500 list for three consecutive years, Vontive has more than doubled in size and number of accounts over the past year and is well ahead of projections for 2025.
To learn more about how Vontive's technology is transforming real estate investing, please visit www.vontive.com.
About Vontive
Founded by credit industry and technology veterans, Vontive is the leading embedded mortgage platform for investment real estate with best-in-class technology that standardizes private credit mortgages. Vontive enables any bank, credit union, property technology company, or B2C brand serving real estate investors to launch its own investment-mortgage business with ease. Please visit www.vontive.com or follow us at linkedin.com/company/vontive.
View source version on businesswire.com: https://www.businesswire.com/news/home/20250526370958/en/
Our latest products are about more than automation – they unlock patterns and opportunities that were previously undetectable. Vontive’s technology stack now allows us to process mortgage data with unmatched speed and scale.-Shreyas Vijaykumar, Vontive CTO
Contacts
Leigh Disher
GMK Communications for Vontive
leigh@gmkcommunications.com
