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Mortgage-servicing software company Valon announced a $150 million Series D at a $2.3 billion valuation on October 5, 2026. The company says it will use the funding to develop its platform and expand its teams as it brings ValonOS and its AI agents to institutional mortgage servicers. The “$13 trillion” market figure comes from a Newrez/Rithm announcement and is not independently substantiated by the available details.
What Valon’s $2.3 billion valuation means
Valon said its Series D valued the company at $2.3 billion—double its previous valuation. Ribbit Capital joined the round as a new investor, while Andreessen Horowitz and other existing investors also participated. Valon said the proceeds would support product development and hiring. Valon’s October 5, 2026 announcement is the source for the financing and valuation figures.
The valuation is a company-announced financing figure, not a measure of ValonOS’s independently verified performance or the size of the mortgage-servicing business.
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Founded in 2019, Valon first built and operated its own mortgage-servicing business on its platform, then began offering the technology to other servicers. ValonOS is business software for institutions that manage mortgage loans; it is not a consumer mortgage application.
#1 Best Overall
- Loan Amortization and Remaining Balances
- Instant Principal, Interest, Interest Only and Total Payments
- Future Values
- Date math function
The company describes ValonOS as a system of record that brings together loan data, financial activity and money movement, workflows, compliance logic, and audit history. Its premise is that AI agents can perform tasks against this structured context rather than working without the servicing record and controls around a loan. Valon’s platform page describes its approach to workflows and logged actions.
How Valon says its AI agents are used
Valon’s funding announcement names examples including answering homeowner emails, allocating payments, and running escrow analyses. The platform is also described as supporting investor reporting and operational workflows. These are vendor-described capabilities; the announcement does not provide independent measurements of accuracy, productivity gains, or how often work requires human review.
Rank #2
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan AMT, Int, Term, PMT. This industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and much more
- CONFIDENTLY AND EASILY SOLVES: All your clients' financial questions whether they are buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: At the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or tvm calculations Find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: Reduce your clients' confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket User's Guide, and long-life batteries
Valon says agents operate within existing workflows, data, and controls, and that actions are recorded for review. Those statements describe the company’s product design; they should not be read as proof of a particular security certification or regulatory approval.
Adoption claims and the planned Newrez transition
Valon reported that within six months of launching ValonOS to the industry, it had more than $200 million in contracted annual recurring revenue and contracts covering one in six outstanding U.S. mortgages. Those are company-reported figures, not independently audited adoption measures. Contracted coverage also does not by itself mean every loan in scope has already migrated onto the platform.
Rank #3
- DEDICATED FUNCTION KEYS for Quick Financial Solutions: Clearly labeled function keys enable you to quickly and confidently provide financial answers and options for your clients, whether in the office, in the car or at an open house. Compare loan options and provide payment solutions to give your client choices
- INSTANT FINANCIAL PROBLEM SOLVING: Solve the financial questions your clients have whether they are buyers, investors or renters; increase your perceived professionalism and close more home sales by quickly answering real estate finance problems including remaining balances
- RESIDENTIAL REAL ESTATE FINANCE TERMS: Keys labeled in residential real estate finance terms like Loan AMT, Int, Term, PMT; Calculator is super easy to use to determine a mortgage loan that works for your client
- VERSATILE LOAN CALCULATION OPTIONS: Calculate 80:10:10 or 80:15:5 combo loans at the press of a button; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices
- COMES COMPLETE: Comes with a protective slide cover, quick reference guide, pocket user's guide, two long-life batteries, and 1-year warranty
Valon named Newrez, Carrington Mortgage Services, and ServiceMac among institutions associated with its platform. It said ServiceMac and Carrington—two of the ten largest U.S. servicers—were live at the time of its October 2026 announcement.
Newrez and its parent, Rithm Capital, announced in February 2026 that Newrez planned to start transitioning to ValonOS in 2027, with the stated plan to bring the technology to more than four million homeowners. That is a future deployment plan, not evidence that the migration has been completed. The Newrez/Rithm announcement also describes the partnership and its intended reach.
Rank #4
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, and long-life battery
What the $13 trillion market figure refers to
Newrez and Rithm described the mortgage-servicing industry as a “$13 trillion” market in their February 2026 announcement. The announcement does not explain the calculation or define the figure’s scope in the material available here. It should therefore be treated as the companies’ characterization, not an independently verified market-size estimate—and not as servicing revenue.
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Best Value
- Extra large 12-digit angled display.
- Loan Wizard.
- Automatic Tax Keys.
- Selectable decimal setting.
- Input any three loan variables to compute the fourth.
What remains unproven
Valon’s homepage reports more than $200 billion in unpaid principal balance on its platform and says its servicing costs are three times lower than the industry’s. The homepage does not state an as-of date for the balance in the reviewed content or provide a comparison methodology for the cost claim. Both figures are company claims, not independently validated benchmarks. Valon’s homepage is the source for these claims.
The announcements and product descriptions establish what Valon says it has raised, what its software is designed to do, and what deployments it plans or reports. They do not provide a like-for-like competitor benchmark, independent AI performance evaluation, or verified cost-to-service results. For servicers assessing a platform, the practical questions include how loan data and workflows migrate, how exceptions are handled, whether decisions can be traced through the audit history, and how compliance controls are maintained during automation.
Quick Recap
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