Vontive made the Deloitte Technology Fast 500™ again this year. That's three years running.
The first time was in 2022, when Vontive came in at No. 10 in North America on revenue growth of 9,154% from fiscal 2018 to 2021. It was the second fastest-growing fintech company on the list that year.
The Fast 500 ranks technology companies by how fast their revenue grew over four years. To qualify, a company has to own the technology that earns most of its revenue, have been in business at least four years, and bring in at least $5 million a year. In 2022, the median company on the list grew 611%.
What three years on the list says
One year on the Fast 500 shows growth. Three years in a row shows a business built to last. Vontive's revenue has compounded year after year in one market, on one platform, serving the same borrowers: homebuilders, real estate investors, and rental property owners.
That consistency comes from how the business is put together. Vontive earns as its partners lend, across several products and partner channels, with institutional capital behind the loans. No single product, partner, or funding source carries the business.
The bigger reason is technology. A traditional lender grows by hiring, and every new loan officer and underwriter adds cost and inconsistency. Vontive grows by running the same software on more loans. Every new partner, product, and loan goes through the same data foundation and the same fulfillment workflows. Volume goes up without the operation getting more complicated.
Vontive was built that way from the start. It began as a software company that chose real estate credit as its problem, not a lender that later went looking for software.
A market still running on PDFs
Investment property lending is a $300 billion a year market, and most of it still runs on email attachments, spreadsheets, and someone retyping numbers from a bank statement into a loan file. Every lender has its own way of doing things. Every loan gets reviewed by hand, sometimes more than once.
Vontive looked at that and saw a data problem before it saw a lending problem. Before the first Vontive loan closed, the team designed the data model every loan would live in: the borrower, the property, the documents, the decision, and the evidence behind it, all in one record. That choice is still paying off.
What software has been doing since day one
From the first file, Vontive's software read the documents so people didn't have to retype them. Appraisals, title reports, bank statements, and entity documents turned into structured fields the moment they arrived. Each number was checked against its source. Each underwriting step was written down as a procedure the system could run, not a habit that lived in someone's head.
That left Vontive's credit team free to do the part that needs judgment. Underwriters review the work software prepares, and people make every credit decision.
Here's the part that compounds. Every loan Vontive closes adds to the history the system draws on. Patterns that took an analyst years to recognize show up in the data. Exceptions get flagged earlier. Pricing gets sharper.
Infrastructure, not another lender
Vontive also made a choice about who it serves. Rather than become one more lender competing for borrowers, it built the infrastructure other brands use to lend.
Banks, credit unions, private lenders, and real estate businesses offer mortgages to their own customers on the Vontive platform. They launch in weeks, not months. The brand keeps the customer; Vontive underwrites, funds, and services the loans. When partners grow, Vontive grows with them, so this ranking is as much theirs as Vontive's.
Still early
A small team of engineers and credit professionals built all of this, and there's a lot left to build. Thanks go to Deloitte for the recognition, to the partners who trusted Vontive with their customers, to the capital partners who trusted Vontive with their balance sheets, and most of all to the team.
Brands that serve real estate investors and want to add a mortgage business, and engineers and credit professionals who want to help build what comes next, can reach Vontive at vontive.com.
Media contact: media@vontive.com
Related coverage
- Vontive ranks in the top 10 fastest growing companies in North America on the 2022 Deloitte Technology Fast 500 — Business Wire, November 2022
- Deloitte unveils 2022 North America Technology Fast 500 rankings — PR Newswire
- Deloitte's 2022 Technology Fast 500 list featured 27 Seattle companies — Built In