Vontive
Vontive is revolutionizing investment real estate financing with a digital, embedded mortgage platform that integrates technology, products, and capital to streamline the process for B2C brands and financial institutions.
Company Overview
Vontive is pioneering a new and digital approach to financing investment real estate through an embedded mortgage platform. By modernizing a fragmented and offline market, Vontive enables B2C brands to offer white-label mortgage solutions. Serving as a conduit for financial institutions, the company's software reduces friction, time, and risk in capital markets. Vontive integrates technology, products, and capital to provide an intuitive digital mortgage experience.
Products and Services
Vontive finances investment real estate using standardized short- and long-term mortgage products. Short-term debt products facilitate the creation of modern housing, while long-term debt products cater to rental housing needs. The company offers a no-code, bolt-on mortgage fulfillment platform that can be launched in weeks, tailored to each customer's operating model. Vontive's solution integrates data, analysis, and AI to enhance underwriting and servicing processes.
Technology and Innovation
Vontive's technology foundation includes enterprise software, a robust data foundation, decision science, and intelligent workflows. The company's data foundation captures and models various mortgage data with complete data pedigree and version history. Decision science services support data quality auditing, underwriting checks, and risk score development. Intelligent workflows streamline task automation and user engagement, facilitating a seamless digital mortgage experience.
Market and Impact
Vontive aims to modernize 24% of the U.S. housing market, which represents an estimated $8 trillion in residential investment properties. Annually, investment property mortgages in the U.S. amount to $1 trillion. Vontive has achieved a 94% conversion rate from mortgage offer to closed loan, financing over $850 million in investment real estate mortgages in the past three years. Their underwriting accuracy is notable, with 99.X% of loans having borrowers who never missed a payment.
Industry Partnerships
Vontive collaborates with a range of retail partners, including lenders and brokers, banks and credit unions, PropTechs and FinTechs, and real estate businesses. The company's capital partners benefit from high-quality yield, consistency, and transparency, underpinned by superior underwriting. Vontive's technology integrates seamlessly with all financial structures common in mortgage loan financing, ownership, and servicing.