We built the hard thing first.
Mortgage servicing moves real money, touches millions of homeowners, and runs under heavy regulation, on software older than the internet. We ran that operation ourselves for six years and turned it into ValonOS: one system of record for the loan, the money movement, the workflow, and the audit trail. The agents run on that same record.
$200B+
in unpaid principal balance on the platform
$2.3B
valuation in our Series D raise
3x
lower servicing cost compared to industry
1 in 6
U.S. mortgages are contracted to run on ValonOS
Modern Servicing Runs on ValonOS
A system of record for loans, money movement, workflows, and the decisions that connect them.
System of Record
Workflows
Task Management
ValonOS: The unified platform
$ npm install @valon/os
Installing ValonOS...
✓ AI agents configured
✓ Workflows ready
✓ Database connected
✓ Compliance checks passed
As Seen In

Fintech Unicorn Valon Hit A $2 Billion Valuation To Bring AI To America’s $13 Trillion Mortgage Market
October 2026

New hires at this AI startup have to earn their AI privileges
August 2026

Valon Lands a Whale
February 2026

Meet the startup that built the hard thing first
February 2026

2025 Vanguard: Andrew Wang
September 2025
Inside the $13T Mortgage Machine
September 2025
Correctness First, Automation at Scale
One Record for Every Loan
Valon replaces fragmented legacy platforms with one authoritative system of record for mortgages that keeps mortgage data correct, consistent, and reconciled.
See what happened and why
Every material action keeps its actor, time, approval, and underlying record. Operations, compliance, and audit can reconstruct the file.
Work that routes itself
Thousands of tasks are triggered by our customizable workflow platform and orchestrated on our Task Management system daily. Work is routed intelligently to the right team with the right priority.
AI that works inside the controls
Agents read, draft, and route work the record already holds, under the same permissions and audit trail as the servicing team. The system of record, the approval policy, and the servicer’s responsibility for the decision stay in place. Every action stays logged and reviewable.
We’re hiring people to rebuild the systems behind mortgage servicing: escrow, payments, and the workflows teams rely on every day. The work is consequential, and the people make it rewarding.
See open positions





