Banks & Credit Unions.
Cross-sell business-purpose mortgages to depositors and members. Vontive provides the complete technology and fulfillment solution, application through servicing. Balance sheet control stays with the institution—fund the loans it wants to hold, and use Vontive's capital integration to transfer the credit risk on the rest.
Problem and opportunity.
There are more than 4 million rental property owners, homebuilders, and real estate investors. These individuals hold deposits as customers of banks and members of credit unions. They have more than $2 trillion of mortgage debt outstanding and borrow repeatedly. Yet when these customers finance a property, the institution that holds their deposits is rarely their first call: the process is slow and the products do not fit.
Vontive gives banks and credit unions a customer experience that wins the loan. The solution is complete: loan application, product pricing, underwriting, loan documentation, closing, funding, and servicing. Vontive reduces the time to close from many weeks to several days. Borrowers come back for the next loan because the institution closes on time.
In addition to fulfilling mortgages, Vontive supports total balance sheet control. The institution sets the eligibility criteria and underwriting procedures for the mortgages it offers. It funds the loans it wants to hold; for the rest, it uses the capital Vontive integrates—transferring credit risk rather than holding it.
What banks and credit unions get.
Customer experience
White-label products embedded in the institution's digital banking and branch experience.
Standard products
Mortgages to purchase and renovate properties, build homes, and hold rental properties with stable cash flow.
Mortgage fulfillment
End-to-end mortgage technology where agentic software processes loans and human experts supervise underwriting and make lending decisions.
Attractive closing timelines
Workflows that minimize back-and-forth, with closings as fast as five business days.
Institutional underwriting
Comprehensive credit evaluation and compliance, strengthened by a common data platform and agentic underwriting.
Funding flexibility
Commit depository capital to fund loans, or use Vontive's capital integration to transfer credit risk.
Trust and compliance
Every element of every mortgage is auditable back to verified source data.
Third-party transparency
Loans, products, and fulfillment built for third-party due diligence, risk oversight, audit, and compliance examination.
Working with Vontive.
Introductory consultation
Establish the opportunity and objectives.
Platform demonstrations
Familiarize stakeholders with Vontive's products, technology, capital infrastructure, and mortgage fulfillment.
Pilot implementation
A narrowly scoped pilot proves the offering and sets the scaling plan.
Full implementation
Configure the technology, assign roles and train staff, set policies and procedures, and agree on goals and metrics.
Go to market
Launch the offering, monitor fulfillment, and improve processes.