The Operating System
for Regulated Work

ValonOS brings the record, rules, workflows, and money movement into one system, so teams can run complex operations with more control and less reconciliation. Built and proven in mortgage servicing. Designed to extend to other regulated operations.

Student loansHealthcare revenue cycleEquipment leasingTax processingPension adminAudit servicesFreight finance

Margin lendingFleet leasingAuto financeCommercial lendingTrade financeWealth managementCollectionsFleet managementVendor financePremium financeCrop insurance

Fund adminEscrow servicesProperty insuranceCredit cardsTitle insurance

Mortgage servicing

Custody servicesInsurance claimsPayroll servicesBenefits adminSurety bonds

Royalty processingRevenue cycleSecurities lendingConsumer lendingBNPLFactoringAsset financeLoan originationComplianceClearing servicesTransfer agency

Supply chain financeAccounts receivableTreasury servicesWorking capitalInvoice financePayment processingFX services

One Record for Every Loan

ValonOS connects the loan record, financial activity, workflow state, and audit history in one system. Teams spend less time reconciling data and more time acting on it.

See what happened and why

See every transaction, balance, and exception as it happens. With financial activity, operational workflows, and audit history connected in a single system, teams can make decisions with confidence and stay prepared for regulatory scrutiny.

Work that routes itself

Keep work moving without manual coordination. Valon automatically routes tasks based on business rules, priorities, and team responsibilities, helping organizations process higher volumes while maintaining consistency and control.

AI that works inside the controls

AI agents operate within your workflows, data, and controls to automate routine decisions, documentation reviews, and operational processes. Teams spend less time on repetitive work and more time focused on exceptions, judgment calls, and customer outcomes.

loan_doc.pdf

2.4 MB

Extracted Fields

Loan Number

LN-2024-847291

Address

1847 Oak Valley Dr

Principal Balance

$342,500.00

Interest Rate

6.875%

Monthly Payment

$2,847.33

Maturity Date

03/01/2054

Our Mission

Take on the impossible.

Valon exists to rebuild the systems other people leave alone: the ones too old, too complex, too regulated, and too painful for most companies to touch.

We started with mortgage servicing because it is one of the clearest examples: core financial infrastructure, millions of people, and decades of legacy systems never designed for the modern world.

$200 Billion

In loans serviced on the Valon Platform

Built for Scale. Designed for Control.

See your business as it operates

Every loan, payment, and exception updates in real time, eliminating reconciliation delays and reducing operational blind spots.

Connect to your ecosystem out of the box

Integrate with investors, custodians, vendors, and partners without building and maintaining custom infrastructure.

One ledger. One version of the truth.

Because every workflow runs on the same underlying system, operational and financial records stay aligned automatically.

Built for auditability

Every action, decision, and workflow is recorded automatically, creating a complete and searchable audit trail.

Grow without growing operational overhead

Automation handles repeatable work so teams can manage more volume without adding proportional headcount.

Control is Part of the Product.

Every action is recorded. Every workflow has an owner. Every transaction can be reconciled to the underlying record.

Fannie, Freddie & Ginnie

Approved

All 50 States

Licensed

SOC 2 Type 1 & Type 2

Completed

CFPB

Compliant

Build the Future with Us

Every role at Valon contributes to software that powers critical financial systems and serves millions of homeowners in America.

See open positions

The Operating Systemfor Regulated Work