Built the Hard Way
We take on problems other people leave alone: systems that are too old, too complex, and too regulated to rebuild. We started with mortgage servicing, the place where every dollar, decision, and regulatory obligation has to be right. More than $200B in mortgages already run on ValonOS.
Our Investors
The problem we started with
An industry running on systems older than the internet.
Mortgage servicing is everything that happens after you get a mortgage: payments, escrow, defaults, foreclosures, reporting. It touches 50 million homeowners and $12–13 trillion in loans.
100+ disconnected tools
A single loan bounces between green-text mainframes, spreadsheets, and paper, none of them talking to each other.
Manual by default
After 2008, the industry met tighter regulation by adding people, not rebuilding.
Everyone pays
Homeowners wait on hold for answers they rarely get, and some lose homes they could have kept. Servicers absorb the cost.
What we built
The operating business was our lab. ValonOS is the company.
We built ValonOS by operating a servicer. For six years, we ran a licensed servicer and turned every hard problem (payments, escrow, defaults, reporting, audits, and customer operations) into a product decision. Now we’re bringing that system to more major servicers and expanding into other complex, regulated work.
We sold the servicing business so we could put everything into the platform, which is the part enterprises actually need. With records, workflows, and decisions connected, teams can see what happened on a loan and what needs attention next.
That is how we deliver better outcomes for homeowners: problems surface sooner and more families keep their homes.
Why now
The model is proven. Now we scale ValonOS to more servicers.
The question is no longer whether this work can be rebuilt. It is how quickly more of it can move onto systems built for the modern age.
We’re still early, but the proof is real. The next phase is implementation at scale, without compromising correctness, service, or control.
Customers
