
Modernizing Mortgage Servicing
Enterprise-level AI mortgage infrastructure connecting homeowners, servicers, and asset managers.
Together, transformative finance is possible.
Our Mission
We are more than our data. Worthiness is more than our credit.
Recently, many financial initiatives have been developed to give underserved communities greater access to residential mortgages. As much as these efforts are needed, they have largely been focused on the “front end” - expanding access. However, when it comes to homeowners who are late in their mortgage payments, there are not many options besides foreclosure. We refer to this as the “back end” of the problem, which almost no one is working on at a systemic scale.
At RENEWITY, we do the work that financial institutions are not set up for. We are a modern AI mortgage infrastructure platform that connects homeowners, servicers, and asset managers. We dynamically update the GSEs (Fannie Mae/Freddie Mac) and HUD servicing guidelines to allow servicers’ compliance as they change, regardless of whether they move away from conservatorship.
We’ve created the RENEW™ credit score - outside of the three major agencies and the FICO score - which fairly assesses the homeowner’s complete financial picture - and allows for a more intelligent, holistic approach in loan modification waterfall strategies. Our AI is actively managed and is third-party audited for algorithmic racism and data capitalism. We’re not just pretty interfaces to LLMs - we're building sophisticated data ingestion, transformation, and management systems. This is end-to-end infrastructure, not merely applications.
US Institutions we work with
BANKS
Whether the bank is a local, mid, D-SIB or G-SIB level - we provide a way to handle QM and non-QM loans. The flip side of the housing market boom is that many originators are contending with homeowners and their loans that are in arrears. We work with asset managers to have a constant 360° view of each loan as well as portfolios as a whole before going down the expensive road of foreclosure and eventually in the REO pool.
Credit unions
Credit unions are not immune to mortgages in arrears. Although they are not-for-profit and are owned by their members, over 120 million Americans belong to one - which makes their community contribution significant. Even if the goal is to keep fees low, the stress on capital ratios from non-accruing mortgages still affects their balance sheets.
GSE
Government-Sponsored Entities such as The Federal Housing Finance Agency (FHFA) requires sales of nonperforming loans (NPLs) by Freddie Mac and Fannie Mae (the Enterprises) to meet specific requirements. Much of this is through the auction process. Unfortunately, many winning bidders are vulture-like PE funds that prioritize shareholders’ profit over community impact and whose ultimate goal is to reclaim the assets through foreclosure to eventually create a renters market.
FHA/HUD
The Federal Housing Administration (FHA) provides loans to help borrowers with low to moderate incomes. They insure nearly 8 million mortgages and can be said to be the backbone that allows many to be homeowners. FHA has embarked on a multi-year IT modernization initiative, FHA Catalyst, which is improving how mortgagees and their authorized users do business with FHA. These initiatives add complexity to servicers and asset managers due to the necessary reporting modules. Now, with Renewity’s platform, we simplify the process and ensure compliance.
renewity and your Organization
Right now, US mortgage servicers struggle to meet a myriad of compliance and loan modification issues from homeowners because of outdated tech and inequitable systems - especially in the non-QM space. These are substantial pain points, costing them both their time and budget.
What servicers and asset managers get:
An integrated system of record
Create and manage automated waterfall loss mitigation workflows
Dynamic and flexible servicing and modification
Automate GSE compliance and reporting
Advanced portfolio reporting and asset-specific analytics
Agentic AI enablement and customer service to homeowners
This means servicers finally have an intelligent servicing platform that collects payments to their custodial bank, mitigates at-risk customers, and achieves higher repayment rates. Asset managers finally have healthier portfolios, increased efficiency, and scalability.
a modern and connected approach
AI/ML
For us, AI/ML will never replace the human component. Using machine learning to enhance our processes, we believe when creating our algorithms, to follow the research provided by The AI Now Institute.
They are an interdisciplinary research center dedicated to understanding the social implications of artificial intelligence. Since data reflects the social, historical, and political conditions in which it was created, AI systems ‘learn’ based on the data they are given.
This, along with many other factors, can lead to biased, inaccurate, and unfair outcomes. AI Now researches issues of fairness, looking at how bias is defined and by whom and the different impacts of AI and related technologies on diverse populations.
Blockchain
Security Tokens are becoming increasingly popular for RWA (Real World Assets), as interest from institutional and venture capital to family offices and fund managers grows.
Critically, the features of blockchain enable the programmatic enforcement of many features within the securities industry that reduce friction through the use of transfer restrictions, lock-up periods, and dividend distributions. Each token standard used to effectuate tokenized securities, however, comes with its own set of unique benefits and opportunities, as well as limitations.
We are currently evaluating partner networks that facilitate the establishment of an ecosystem that garners participation amongst financial functions including asset originators, fund managers, servicers, banks, and investors.
people
The one thing in common in any company is people. We believe it's all connected, from the people we employ to the clients we serve to the homeowners we aim to help. One way is how credit is currently reported.
Credit reporting is one of the many economic systems that dictate the rules and limit the life choices of Americans. At Demos Institute, they propose establishing a public credit registry (also known as a public credit reporting agency) that will put equity at the center of its decision-making.
Demos’ plan may be slightly ahead of lawmakers' acceptance of a public credit registry that includes mechanisms for consumers to hold the agency itself accountable for providing full and accurate information, resolving disputes efficiently, and protecting the security of consumer data.
It is why we created our holistic credit rating - the RENEW™ Score.
Built-in good
Our goal of bringing actionable impact principles to our homeowners, communities, financial institutions, and investors - is what makes us different. It allows us to operate from a completely different vantage point from others. Learn more about the groups we work with and the framework we follow.
your financial institution can make a difference
Add next-gen servicing capabilities that dynamically incorporate the ever-evolving GSE, HUD, and CFPB (Reg X and Z) guidelines to stay compliant and improve homeowner satisfaction, all while decreasing your op-ex budget.
Take the first step
Let’s take the first step in making servicing easier. Your new, modern platform awaits.

“Do no harm” should be applied not just to physicians, but all banking professionals.”
— the Fiduciary way
get in touch
Start modifying a better way.
If you are a mortgage servicer or asset manager of residential mortgages and would like to reduce your op-ex, improve portfolio visibility, and increase staff efficiencies—all of which result in healthier communities—we welcome your inquiry to learn more.
Fill in the form and our team will be in touch.