Vontive Unveils AI Data Suite to Streamline Private Credit Access in Real Estate

Vontive Introduces AI-Powered Data Suite to Streamline Private Credit in Real Estate

Vontive, a Seattle-based technology company, has launched a new set of AI-driven data products designed to make access to private credit in real estate more scalable and efficient. These solutions address the $2.8 trillion private credit market opportunity by automating processes from mortgage origination to underwriting and servicing.

Traditionally, the credit asset lifecycle in real estate has involved manual, time-consuming tasks. Vontive’s platform changes that by automating these workflows and adding deeper insights and intelligence to support investment decisions.

Acceleration Through Automation and Intelligence

Shreyas Vijaykumar, CTO and Co-founder of Vontive, highlights that the latest offerings go beyond mere automation. “Our technology uncovers patterns and opportunities that were previously undetectable,” he says. This allows mortgage data to be processed faster and at a larger scale than before.

Alongside the product launch, Vontive announced a significant equity investment from Citi and completed its first $150 million revolving securitization, underscoring its growing influence in the private credit real estate space.

Meeting Market Demand for Private Credit

With traditional bond yields tightening, financial institutions are actively looking for higher-yielding mortgage credit exposure. Private credit investments are projected to grow substantially, reaching $2.8 trillion by 2028.

Vontive’s solutions help channel private credit efficiently, which is critical as the housing market faces a persistent shortage of affordable housing. By reducing manual bottlenecks, the platform allows capital to flow more quickly to real estate projects.

Charles McKinney, CEO and Co-founder, notes, “For too long, the mortgage industry has been slowed by error-prone manual processes. Our technology improves accuracy, speed, and risk management, enabling scalable investment.”

Key Features of Vontive’s Data Suite

• AI-Powered Document Processing: Vontive’s AI system scans hundreds of pages of mortgage-related documents such as purchase contracts and tax certificates, extracting key data with 95% accuracy. It also performs calculations like annualized tax amounts, feeding this data into underwriting and pricing workflows.
• Loan Catch: This continuous validation engine checks thousands of data points across all loan stages to ensure consistency and accuracy. It instantly flags discrepancies, reducing the need for manual reviews and catching rare edge cases.
• Loan Match: A pricing engine that maps loan characteristics to the best available loan program. It updates pricing schedules dynamically while preserving historical policies, ensuring borrowers get optimal loan offers.
• Construction Draw & Servicing: Vontive speeds up construction draws by enabling virtual inspections via video calls, eliminating delays from in-person visits. It also provides seamless in-house servicing for short-term loans, maintaining continuity throughout the loan lifecycle.

These tools work together with Vontive’s forecasting system, which analyzes market activity across 10,000 U.S. zip codes. This data-driven approach delivers greater certainty and access to credit assets offering high-quality yield, with a delinquency rate among the best in the industry.

Impact on Real Estate Investment

By standardizing a fragmented market, Vontive’s platform allows real estate professionals to access capital faster and more reliably. This helps investors renovate aging housing stock and enables institutional investors to tap into high-quality yield opportunities that are less correlated with equity and bond markets.

Vontive’s growth has been strong, doubling its size and client base in the last year and earning a spot on Deloitte’s Technology Fast 500 list for three consecutive years. The company is on track to exceed its 2025 projections.

To learn more about Vontive and its technology, visit www.vontive.com.

About Vontive

Founded by veterans of the credit and technology industries, Vontive offers an embedded mortgage platform focused on investment real estate. Its technology standardizes private credit mortgages, enabling banks, credit unions, proptech companies, and B2C brands serving real estate investors to easily launch their own investment mortgage operations.

For more information, visit www.vontive.com or follow Vontive on LinkedIn.