Valon
Valon provides ValonOS, a unified system of record for mortgage servicing that replaces fragmented legacy platforms with a single, auditable source of truth for loan data, workflows, and money movement. The platform embeds AI agents and compliance context directly into operations, enabling servicers to handle 5x more loans per employee while achieving 92%+ homeowner satisfaction. Over $100B in mortgages currently run on the platform.
- Financial Technology
- Property Technology
- AI Agents
- Artificial Intelligence
- Software Only
Funding
Raised to date
$347.1MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
across 5 rounds
12FIFM+3$150M · Series D
Announced Oct 2026 · from article date
Disclosed cumulative: $347.1M
Founders
Founder details are not available yet.
Product
Problem
Mortgage servicing operations run on software older than the internet, with a single loan bouncing between green-text mainframes, spreadsheets, and paper across 100+ disconnected tools. This fragmentation makes manual processes the default, driving up costs for servicers and leaving homeowners waiting on hold for answers they rarely get—sometimes losing homes they could have kept.
Solution
Valon provides ValonOS, a unified system of record for mortgage servicing that connects loans, money movement, workflows, and decisions in one platform. The company built and operated a top-10 US mortgage servicer for six years, using that business as a lab to turn every hard problem—payments, escrow, defaults, reporting, audits, and customer operations—into product decisions. ValonOS stores what happened on a loan and why, including exceptions, precedents, and compliance context, with AI agents and automated workflows running on that same integrated record. The system surfaces problems sooner, enables servicers to handle 5x more loans per employee than incumbents, and achieves 90%+ customer satisfaction versus an industry average around 77%.
Target Audience
Primary customers are major US mortgage servicers and enterprises operating complex, regulated work that requires a modern, auditable system of record replacing legacy mainframe-based software.
Features
- Unified system of record integrating loan data, money movement, workflows, and audit trails in a single platform
- AI agents that operate on the same record as the underlying data, with governance and compliance context built into the system
- Exception tracking with full audit trails, storing the compliance context and precedent for every loan action
- DeploymentOS, an internal system for running enterprise deployments end-to-end from commitment through go-live
- Nicolebot, a company-wide agent that turns institutional knowledge into reviewed work, with 21,000+ threads tagged and 2,000+ pull requests opened
- Task management system that automatically routes thousands of daily tasks to the right team with the right priority