Top Mortgage Startups in 2026

We’re the essential technology platform used by hundreds of thousands of homebuyers and sellers to partner with top real estate agents and win at any step of the real estate journey — whether that’s finding a top agent, securing a competitive mortgage, or ensuring on-time, easy close. Every year, we facilitate billions of dollars of real estate on our platform. HomeLight empowers people to achieve better outcomes during one of life’s most important events: buying or selling their home. Our vision is a world where every real estate transaction is simple, certain, and satisfying.

Cher® is revolutionizing real estate by empowering Realtors and homebuyers through innovation, education, and cutting-edge tools. As the first-to-market leader in co-ownership and gamified homebuyer education, we’re transforming the industry with engaging platforms that reward Realtors and homebuyers for progress and achievement. For Realtors, Cher® offers warm leads, personalized marketing resources, and opportunities to grow their business while earning rewards through our unique gamification system. For homebuyers, we simplify the path to homeownership with tailored courses, expert guidance, and co-ownership solutions, making real estate more accessible and exciting. At Cher®, we blend technology, education, and collaboration to create opportunities for success, rewarding milestones along the way. Join us in transforming the real estate experience for Realtors, homebuyers, and communities alike.

Unison is a San Francisco-based company that is pioneering a smarter, better way to buy and own homes. We are a team of financial and real estate professionals who are committed to helping homebuyers get the home they want, and homeowners finance their life needs without adding debt. We are radical enablers of enlightened capitalism pioneering optimal homeownership for all.

Legally Notarize any document from your phone or computer right now. Collect notarizations from others with Notarize for Business. Close real estate transactions entirely online with Notarize for real estate. Operational 24 hours per day, 7 days per week. Notarize is a remote electronic notary service that serves people nationwide. Our customers include two top 10 lenders, and leading brands like Realogy, Lennar, Redfin, and others. Upload a document, prove your identity, fill out your document, and connect with a licensed Virginia electronic notary by live video call. Sign before the agent who will then legally notarize your document. When done, share your document by email, save to dropbox, or print and submit manually. Notarize dramatically reduces the time, cost, complexity, and hassle for both businesses and people to execute notarized agreements.

Voted #1 "Best Places to Work" by the Phoenix Business Journal, Achieve is a leader in the digital personal finance industry built to help everyday people thrive. From the single parent trying to catch up on bills to the entrepreneur trying to make their dreams a reality, we provide innovative, personalized financial solutions to move them towards a better financial future. By focusing on each individual to understand what’s working for them and what’s not, we tailor an approach to meet their specific needs and goals. Then we add in our data and intelligence, our innovative technology, our unique solutions, and an empathetic human touch to help our members move their finances forward. We put our members first and treat them like humans, not account numbers. Our people make the biggest difference. With more than 2,500 teammates between California, Arizona, Florida, and Texas, everyone collaborates together to make an impact towards our mission; to empower everyday people to move forward on a path to a better financial future. We’re committed to fostering an environment where everyone can belong, while giving their true authentic selves a place to shine. Whether you’re in sales, member support, engineering, product design, IT or any of our other exciting roles, you’ll join a team passionate about serving our members and embracing our core values every day: Care (For everyone) Get Better (Every day) Act With Integrity (Every time) Collaborate (With everyone)

A lidar and ML based software that will be a first step of every single loan or refi, resulting in faster turn times and more accurate underwriting for lenders. We can shed 3 weeks off of transaction timelines and standardize data that flows through the mortgage process.

Spieldenner Financial Group is a part of one the fastest-growing insurance organizations in the country. Our most important focus areas include getting agents paid quickly, keeping costs minimal, and giving agents the training and support needed to achieve success.

It currently takes the same amount of time to process an average American mortgage as it does to walk nonstop from Manhattan to San Francisco! Xpanse is working to change that. It’s our mission to create a universal platform that brings clarity, ease, automation and security to the origination process. Our SaaS platform will power the mortgage industry and its relationships with a massive network of third-party providers that are integral to the mortgage process. By focusing on the customer, using automation, real-time intelligence, big data, and analytics we are changing the way borrowers, lenders, servicers, and service providers take care of business. But disrupting an industry is a team sport – we are looking for the best and brightest to join us. Our team is growing rapidly in the Greater Seattle Area. Currently WFH. Future HQ in Downtown Bellevue.

RenoFi is the first home renovation financing marketplace. We connect homeowners looking for a renovation loan with the best lender for their needs and guide them through the entire process of getting ready to apply for the loan. For lenders, we provide a cost-effective and performance driven marketing channel that delivers fully qualified leads resulting in increased efficiency and profitability for your renovation loan business.

Founded in January 2018, Perch is on a mission to transform the real estate acquisition and ownership experience in Canada. Through user-centered technology and automation, we provide Canadians with the financial tools, services and insights needed to confidently navigate their unique real estate ownership journeys and acquire the right financing for their existing and future properties. Our innovative approach to data science produces timely insights, empowering individuals to make smarter real estate decisions that lead to wealth accumulation. Thousands of customers across Canada trust us, and our fully remote team of 18 passionate individuals who are not only working to solve real problems in real estate, but also actively love using our product. In April 2023, we launched a new version of our mortgage platform to enable major customer volume growth and the development of many new powerful products and features. We also introduced Perch Capital, a Mortgage Investment Corporation (MIC) which has opened up exciting new revenue opportunities for our organization in being able to act as a lender. Join us at Perch, your Mortgage Advisor with Super Powers, and be part of the real estate revolution.