Today we're introducing our new company name: haven.tech. Haven Servicing, Inc. will operate as haven.tech going forward, with the legal rename to follow.
We got our start integrated into the servicing stack. We've expanded to become the technology our clients use to engage, retain, and serve their customers across the full arc of homeownership. We were never a servicing company. What we are, and what the new name makes clear, is network technology that turns the servicing relationship into a customer-for-life one.
We've done a lot to get here. Here is what we built, and what comes next.
Where we started
We founded Haven Servicing in 2020 with a specific belief: the servicing seat is the most valuable, longest-lived, and most under-monetized customer relationship in consumer finance, and the industry has treated it as a cost center for thirty years. Servicers process payments. Lenders originate loans. Cross-sell happens in the seams, badly, or not at all. Homeowners get bounced between five brands over the life of one mortgage and remember none of them.
Our thesis was that if we integrated deeply into the servicing stack and gave brands a homeowner-facing platform they could own, we could turn servicing from a back office into a durable customer relationship. Backed by leading proptech, fintech, and consumer investors, and operators from Credit Karma, Plaid, and Opendoor, we spent four years building that platform.
What we've achieved
Haven Servicing today integrates into leading servicing stacks and powers embedded homeowner experiences under our clients' brands. The product has significantly increased monthly homeowner activity, deepened engagement with the servicing relationship, and grown recapture lead volume for our partners. We've now helped millions of homeowners across dozens of brands, either directly or through their sub-servicer solutions.
Along the way we launched Haven Wallet, a homeowner-facing product that turns the servicing relationship into an engagement one, and built a growing Network of vendors, affiliates, and service providers across property tax, homeowners insurance, home equity, financial data, and adjacent categories, all to route homeowners to the services they actually need. Haven was named PropTech's Digital Mortgage Innovation of the Year in 2024 and a HousingWire Tech100 honoree in 2023 and 2024.
We're proud of the work. And we're clear about what it did not solve.
The gap we still see
Our four years in servicing taught us how much care and attention quality servicing requires. We also learned how different the challenges are across the three things a homeowner relationship actually demands: providing high-quality servicing, retaining and recapturing customers on new purchase and refinance mortgages, and cross-selling the products and services homeowners genuinely need over the twenty-plus years they own the home.
The promise of the lending and servicing industry to be the destination for every homeowner need was always there. The realities and focus required to be excellent at any one of those three areas, let alone all three, is immense.
The largest players are moving now. The rest will be too late, or never get there at all.
The biggest brands in the industry have made their move. Rocket closed its $14.2 billion acquisition of Mr. Cooper in October 2025, bringing the country's largest originator and largest servicer under one roof and putting roughly one in every six US mortgages inside a single Rocket-owned platform. Bayview Asset Management (parent of Lakeview Loan Servicing, the largest nonbank servicer) closed its $1.3 billion acquisition of Guild Mortgage in November 2025. CrossCountry Mortgage announced its acquisition of Two Harbors and RoundPoint in March 2026. Pennymac announced its acquisition of Cenlar's sub-servicing business the month before. Freedom Mortgage's parent moved to acquire Seneca Mortgage Servicing in March 2026.
Each of these deals is a bet on the same idea we've been building toward: unify lending, servicing, retention, and cross-sell into a single homeowner relationship. The daunting part is what comes next. Integrating wildly different lending and servicing operations, technology stacks, brand identities, and compliance regimes is a multi-year project measured in hundreds of millions of dollars and years of operational drag. But the real cost is the time freely given to competitors who can offer better rates, better experiences, and higher profitability. The largest players are moving now. The rest will be too late, or never get there at all.
Mid-market lenders and sub-servicers are being left behind in that strategy. They cannot buy their way into the destination. And today there is no technology that lets them work with other industry players to unify lending, servicing, cross-sell, and retention into a single homeowner experience under their own brand.
That is, until now.
Our Portal, Wallet, and Network technologies are designed to allow brands and their partners to deploy true homeowner engagement solutions directly alongside whatever servicing a lender uses today, under their brand, with no rip-and-replace and no bet-the-company migration. A brand gets there in weeks to months. Not years. What the acquisition wave is trying to buy, haven.tech ships.
Why we're now haven.tech
Here is what that looks like in practice. Our platform gives brands three things:
A Portal they can own. The servicing surface, embedded under their brand, working alongside whatever servicing they use today. No rip-and-replace.
A Wallet homeowners open every month. The financial data, guidance, and day-to-day tools homeowners actually use: payments, escrow, tax, insurance, equity, and the actions that follow.
A Network of vendors, affiliates, and solutions. Cross-sell that actually works, retention that actually retains, and a new profit center where the brand earns economics on every homeowner outcome the Network delivers.
Together, this is the homeowner-for-life kit: a new profit center with cross-sell that works, recapture and retention that show up in the numbers, and integration alongside any servicing setup a client already has. A plug-in that unifies what's already there and makes it profitable.
We are not a servicer. We help servicers and brands with servicing-integrated portals and embedded network solutions that achieve great homeowner engagement results and support more efficient, higher-quality servicing. What we are is network technology for the full arc of homeownership, and that is the frame the new name carries.
Our mission
Our mission is to eliminate the complexity of homeownership by giving brands a plug-and-play AI financial planner and home assistant for their homeowners, with the security, compliance, and reliability this heavily regulated industry requires.
Now you can be there for every moment of your customers' lives, and they can rely on you for everything they need, in one place, without the capital requirements of an acquisition, and with the industry paying you directly whenever a homeowner takes a solution from the Network they're grateful for.
It's all in one place. And it's provided by you, with help from haven.tech.
What this means for the industry
If you're a lender (bank, non-bank, or credit union) originating mortgages today, you don't need to buy a servicer, an originator, or a marketplace to compete with the players who did. You need a platform that keeps your brand on the homeowner surface and turns your customer base into a durable relationship you can monetize. That is what we built.
If you're a servicer (bank, non-bank, or credit union) running in-house recapture, partnering with recapture lenders, or offering sub-servicing to others, haven.tech is the tech layer that lets you carry your brand, the lender's brand, or a recapture partner's brand through the moments homeowners actually open your app.
If you're an affiliate or vendor (fintech, insurance carrier, tax appeal firm, realtor, home services operator, recapture lender, sub-servicer, or any other home-adjacent operator), the homeowner audience we're aggregating is one of the highest-intent, longest-lived audiences in consumer finance. We're actively signing affiliates into the Network for 2026 and beyond.
If you're a homeowner on a Portal we power under your lender's brand, nothing changes about your experience today. What changes is what we can now do for you tomorrow.
If you're an MSR investor, haven.tech is how you make every book worth more: better homeowner experience, higher loyalty, stronger recapture, and real cross-sell on the assets you already own.
What comes next
We'll share more in the weeks after launch on the Wallet beta, on the Network signings as they close, and on the pipeline of sub-servicer clients bringing the base past a million homeowners. Follow the Haven Journal for those updates.
The last four years were the build. The next four are the compounding. Thank you to every client, partner, investor, and teammate who has been part of getting us here.
Jonathan
A note on the legal name. haven.tech is the name under which Haven Servicing, Inc. now operates publicly. The legal rename to haven.tech, Inc. will follow. Existing contracts remain with Haven Servicing, Inc.; new agreements will reference haven.tech.