AI Core Banking, Lending, Credit & Mortgage-Tech Fundraising
Raising Capital for AI Core Banking, Lending, Credit-Decisioning & Mortgage-Tech Startups: which investors are active in the space.
Home › AI Core Banking, Lending, Credit-Decisioning & Mortgage-Tech Fundraising Raising Capital for AI Core Banking, Lending, Credit-Decisioning & Mortgage-Tech Startups AI core-banking, lending, credit-decisioning & mortgage-tech in 2026 splits across (a) core-banking, digital-banking-platform (Thought Machine-Molten Ventures-Nyca-Temasek-Eurazeo-JPMorgan-Standard Chartered-Lloyds 2022 $2.7B+Series-D+Q3 2024 restructure cautionary+ Mambu-EQT-General Atlantic-Bridgepoint 2021 $5.5B+Q3 2024 down-round-rumor cautionary+ 10x Banking-BlackRock-JPMorgan-Nationwide-CBA 2022 Series-C+Q3 2024 layoffs cautionary+ Tuum-Portage-Speedinvest+ Finxact-Fiserv 2022 $650M+ Backbase-Motive Partners 2022 €2.5B secondary+ Vault-Chetwood+ Temenos SIX-TEMN 2022 EQT-Advent take-private-abandoned cautionary+ FIS $FIS Banking-focus post-Worldpay-GTCR 2024 carve-out+ Fiserv $FI+ Jack Henry $JKHY+ Alkami $ALKT+ nCino $NCNO+Q3 2024 mortgage-headwind cautionary+ Q2 Holdings $QTWO+ Bottomline Technologies-Thoma Bravo 2022 $2.6B take-private+ Personetics-Warburg Pincus 2022 $85M+ MeridianLink $MLNK+ Alacriti+ Envestnet-Bain Capital-Reverence 2024 $4.5B take-private-agreed cautionary, Cautionary: Thought Machine Q3 2024 restructure+ Mambu Q3 2024 down-round-rumor+ 10x Banking Q3 2024 layoffs+ Temenos EQT-Advent take-private-abandoned+ Envestnet Bain-Reverence 2024 $4.5B take-private-agreed+ nCino Q3 2024 mortgage-headwind. (b) SMB+consumer+auto+student+POS-lending, LOS, credit-decisioning, underwriting-AI (Blend $BLND+Q3 2024 restructure-mortgage-collapse cautionary+ ICE Mortgage Technology-Black Knight 2023 $11.8B+ Rocket Companies $RKT+Q3 2024 headcount cautionary+ UWM Holdings $UWMC+ Better.com $BETR-SPAC 2023+Q3 2024 layoffs+2021 December Zoom-firing 900-employees cautionary precedent+ LoanDepot $LDI+Q3 2024 ransomware-January-2024 cautionary+ SoFi $SOFI+ Upgrade-Renaud Laplanche-LendingClub 2007+Q3 2024 profitability+ Affirm $AFRM+Q3 2024 profitability+ Klarna Nasdaq IPO September-2025 postponed cautionary+ Afterpay-Block 2022 $29B+ Zip $ZIP+ Sezzle $SEZL+ PayPal Pay in 4+ Splitit+ Amex Plan-It+ Upstart $UPST+Q3 2024 auto-loan-tightening cautionary+ Pagaya $PGY+Q3 2024 restructure cautionary+ Zest AI-Insight-CMFG 2023+ Ocrolus-Oak HC/FT+Thomvest 2023 $80M+ Ntropy-Elad Gil-Cowboy 2023+Q3 2024 embedded-finance pivot+ Plaid+Yodlee-Envestnet+Codat-Index-Tiger 2022+Q3 2024 layoffs cautionary+ MX-TPG 2021+Q3 2024 down-round-rumor+ FinLocker-TransUnion+Salesforce 2024+ FICO 10T+ VantageScore 4.0+ Equifax+Experian+TransUnion+ LexisNexis Risk Solutions+ Cortera+ D&B+ SoftPull+ TruthFinder+ SentiLink-Anti-Money-Laundering+Q3 2024 synthetic-identity+ Persona+ Alloy+ Prove+ Socure+ Trulioo, Cautionary: Blend Q3 2024 restructure-mortgage-collapse+ Better.com-SPAC 2023+Q3 2024 layoffs+Zoom-firing December-2021 900-employees precedent+ LoanDepot Q3 2024 ransomware-January-2024+ Rocket Q3 2024 headcount+ Klarna Nasdaq IPO September-2025 postponed+ Upstart Q3 2024 auto-loan-tightening+ Pagaya Q3 2024 restructure+ Codat Q3 2024 layoffs+ MX Q3 2024 down-round-rumor+ Ntropy Q3 2024 embedded-finance pivot. (c) mortgage-tech, real-estate, iBuying, title, escrow (HomeLight+Q3 2024 layoffs+ Opendoor $OPEN+Q3 2024 restructure-iBuying-collapse cautionary+ Offerpad $OPAD+Q3 2024 restructure cautionary+ Compass $COMP+Q3 2024 layoffs+2022 SBC-cut cautionary+ Anywhere Real Estate $HOUS+Q3 2024 restructure cautionary+ Zillow $Z+Q3 2021 iBuying-exit precedent cautionary+ Redfin $RDFN-Rocket 2025 $1.75B acquisition-agreed cautionary+ First American+Q3 2023 ransomware+2024 Q3 restructure cautionary+ Fidelity National Financial+November-2023 ransomware cautionary+ Stewart+ Doma-Blend $DOMA+Q3 2024 restructure cautionary+ SoftBank Vision Fund Katerra+View+Compass write-down 2022 cautionary precedent+ SoftBank Vision Fund WeWork Ch-11 November-2023 cautionary precedent+ Cadre-Yieldstreet 2023-abandoned+ Fundrise+ Roofstock-SoftBank 2022 $240M+Q3 2024 restructure+2022 layoffs cautionary+ Divvy Homes-Tiger-a16z+Q3 2024 layoffs+2024 Q3 down-round cautionary+ Landis+ EasyKnock Q3 2024 CFPB-NY-AG lawsuit cautionary precedent, Cautionary: Opendoor Q3 2024 restructure-iBuying-collapse+ Offerpad Q3 2024 restructure+ Compass Q3 2024 layoffs+2022 SBC-cut+ Anywhere Q3 2024 restructure+ Zillow Q3 2021 iBuying-exit precedent+ Redfin-Rocket 2025 $1.75B acquisition-agreed+ First American Q3 2023 ransomware+Q3 2024 restructure+ Fidelity National Financial November-2023 ransomware+ Doma-Blend Q3 2024 restructure+ Katerra+View+Compass 2022 write-down precedent+ WeWork Ch-11 November-2023 precedent+ Cadre-Yieldstreet 2023-abandoned+ Roofstock Q3 2024 restructure+2022 layoffs+ Divvy Homes Q3 2024 layoffs+down-round+ EasyKnock Q3 2024 CFPB-NY-AG lawsuit precedent. (d) CFPB, Fair-Lending, AI, Basel, SR 11-7, AI RMF, EU AI Act, Fannie/Freddie/FHFA/HUD/VA/USDA, MISMO, NMLS, CSBS discipline (CFPB Section 1071 Small-Business-Data-Collection-Rule 2023+Q3 2024 Texas-district-court-injunction cautionary+ CFPB Section 1033 Open Banking October-2024+ CFPB UDAAP+ ECOA Reg B+FCRA+FDCPA+HMDA+Reg Z Truth-in-Lending+Reg E EFTA+ FHA+VA+USDA+ Fannie Mae+ Freddie Mac+ Ginnie Mae+ FHFA+ CFPB QM Qualified Mortgage+ Ability-to-Repay+ TRID+ RESPA+ Dodd-Frank Title XIV 2010+ Community Reinvestment Act Oct-2023-final-rule+Q3 2024 vacated-in-Texas-district cautionary+ NCUA+ OCC+ FDIC+ Federal Reserve+ FSOC+ CSBS Model Money-Transmission-Act 2021+ NMLS Nationwide Multistate Licensing System+ MISMO Mortgage Industry Standards Maintenance Organization+ FICO 10T+ VantageScore 4.0+ FICO 2 vs FICO 5 vs FICO 8 Classic vs FICO 10T bifurcation+ Fannie Mae DU Desktop Underwriter+ Freddie Mac LPA Loan Product Advisor+ AUS Automated Underwriting Systems+ Dodd-Frank+ Basel III Endgame July-2023-Q3 2024 re-proposal cautionary+ SR 11-7 Fed Model Risk Management+ OCC 2011-12+ NIST AI RMF 1.0 January-2023+ EU AI Act August-2024 Annex-III credit-scoring high-risk+ ECOA-Reg B disparate-impact SCOTUS Q3 2024+ Regulation AA+ Regulation CC+ Regulation DD+ Regulation V FCRA+ SBA 7(a)+504+7(m) microloan+ HUD-FHA+ VA-Home-Loan+ USDA Rural Development+ CFPB Adverse-Action Notice-Requirements+ CFPB Statement AI-Chatbots June-2023+ FinCEN AML+BSA+OFAC+ FATF+ BIS+ FSB. Cautionary: CFPB 1071 Q3 2024 Texas-district-court-injunction+ CRA Oct-2023-final-rule+Q3 2024 vacated-in-Texas-district+ Basel III Endgame July-2023+Q3 2024 re-proposal+ EU AI Act August-2024 Annex-III credit-scoring high-risk+ ECOA-Reg B disparate-impact SCOTUS Q3 2024 precedent called out.
Frequently asked questions How much loans-originated, net-interest-margin, charge-off-rate, net-ARR, Fannie Mae DU, Freddie Mac LPA, AUS, FICO 10T, VantageScore 4.0, Equifax/Experian/TransUnion, first-Thought Machine-Temasek/Mambu-EQT/10x-BlackRock/Tuum/Finxact-Fiserv/Backbase-Motive/Vault-Chetwood/nCino/Alkami/Q2/Blend/ICE Mortgage-Black Knight/Rocket/UWM/Better.com/LoanDepot/SoFi/Upstart/Pagaya/Zest AI/Ocrolus/Ntropy/Plaid/MX/FinLocker-TransUnion partnership, CFPB 1071 2023+Q3 2024 Texas-injunction, CFPB 1033 Oct-2024, CFPB UDAAP, ECOA Reg B, FCRA, HMDA, Reg Z, TRID, RESPA, Dodd-Frank Title XIV 2010, CRA Oct-2023-final-rule+Q3 2024 vacated-Texas, Basel III Endgame July-2023+Q3 2024 re-proposal, SR 11-7, OCC 2011-12, NIST AI RMF 1.0 Jan-2023, EU AI Act Aug-2024 Annex-III credit-scoring high-risk, ECOA-Reg B disparate-impact SCOTUS Q3 2024, MISMO, NMLS, CSBS, Fannie/Freddie/Ginnie/FHFA/HUD/FHA/VA/USDA discipline do AI core-banking-lending-credit-mortgage startups need for Series A in 2026? Series A gate: $500M-10B loans-originated + 3-6% NIM + <3% charge-off + $5-50M net-ARR + Thought Machine-Molten-Nyca-Temasek 2022 $2.7B+Q3 2024 restructure cautionary/Mambu-EQT-General Atlantic 2021 $5.5B+Q3 2024 down-round-rumor cautionary/10x Banking-BlackRock-JPMorgan-CBA 2022+Q3 2024 layoffs cautionary/Tuum-Portage-Speedinvest/Finxact-Fiserv 2022 $650M/Backbase-Motive Partners 2022 €2.5B/Vault-Chetwood/Alkami $ALKT/nCino $NCNO+Q3 2024 mortgage-headwind cautionary/Q2 $QTWO/Bottomline-Thoma Bravo 2022 $2.6B/Temenos SIX-TEMN 2022 EQT-Advent take-private-abandoned cautionary/Envestnet-Bain-Reverence 2024 $4.5B take-private-agreed cautionary + core-banking+digital-banking-platform+off-take + first-Fannie Mae DU-or-Freddie Mac LPA-or-AUS-or-FICO 10T-or-VantageScore 4.0-or-Equifax-Experian-TransUnion-line + first-CFPB 1071 Texas-injunction Q3 2024-or-CFPB 1033 Oct-2024-or-ECOA Reg B-or-FCRA-or-HMDA-or-Reg Z-or-TRID-or-RESPA-or-CRA vacated Q3 2024-or-Basel III Endgame Q3 2024-or-SR 11-7-or-NIST AI RMF-or-EU AI Act Annex-III-or-ECOA disparate-impact SCOTUS Q3 2024-line (core-banking+digital-banking-platform — FIS-Fiserv-Jack Henry+Personetics-Warburg 2022+MeridianLink+Alacriti precedent), $500M-10B loans-originated + Blend $BLND+Q3 2024 restructure-mortgage-collapse cautionary/ICE Mortgage-Black Knight 2023 $11.8B/Rocket $RKT+Q3 2024 headcount cautionary/UWM $UWMC/Better.com $BETR-SPAC 2023+Q3 2024 layoffs+2021 Zoom-firing 900-employees precedent cautionary/LoanDepot $LDI+Q3 2024 ransomware-Jan-2024 cautionary/SoFi $SOFI/Upgrade-Laplanche-LendingClub 2007+Q3 2024 profitability/Affirm $AFRM+Q3 2024 profitability/Klarna Nasdaq IPO Sep-2025 postponed cautionary/Afterpay-Block 2022 $29B/Zip $ZIP/Sezzle $SEZL/Upstart $UPST+Q3 2024 auto-loan-tightening cautionary/Pagaya $PGY+Q3 2024 restructure cautionary/Zest AI-Insight-CMFG 2023/Ocrolus-Oak HC/FT+Thomvest 2023 $80M/Ntropy-Elad Gil-Cowboy 2023+Q3 2024 embedded-finance pivot/Plaid/Yodlee-Envestnet/Codat-Index-Tiger 2022+Q3 2024 layoffs cautionary/MX-TPG 2021+Q3 2024 down-round-rumor/FinLocker-TransUnion-Salesforce 2024 + SMB+consumer+auto+student+POS-lending+LOS+credit-decisioning+underwriting-AI+off-take + first-FICO 10T-or-VantageScore 4.0-or-Equifax-Experian-TransUnion-or-LexisNexis Risk-or-SentiLink Q3 2024 synthetic-identity-or-Persona-Alloy-Prove-Socure-Trulioo-line (SMB+consumer+auto+student+POS-lending+LOS+credit-decisioning — PayPal Pay in 4+Splitit+Amex Plan-It+Cortera+D&B precedent), or $500M-10B loans-originated + HomeLight+Q3 2024 layoffs/Opendoor $OPEN+Q3 2024 restructure-iBuying-collapse cautionary/Offerpad $OPAD+Q3 2024 restructure cautionary/Compass $COMP+Q3 2024 layoffs+2022 SBC-cut cautionary/Anywhere $HOUS+Q3 2024 restructure cautionary/Zillow $Z+Q3 2021 iBuying-exit precedent cautionary/Redfin $RDFN-Rocket 2025 $1.75B acquisition-agreed cautionary/First American+Q3 2023 ransomware+Q3 2024 restructure cautionary/Fidelity National Financial+Nov-2023 ransomware cautionary/Doma-Blend $DOMA+Q3 2024 restructure cautionary/SoftBank Vision Fund Katerra+View+Compass write-down 2022 cautionary precedent/Roofstock-SoftBank 2022 $240M+Q3 2024 restructure+2022 layoffs cautionary/Divvy Homes-Tiger-a16z+Q3 2024 layoffs+2024 Q3 down-round cautionary/EasyKnock Q3 2024 CFPB-NY-AG lawsuit cautionary precedent + mortgage-tech+real-estate+iBuying+title+escrow+off-take + first-MISMO-line+first-Fannie Mae DU-or-Freddie Mac LPA-or-CFPB QM-Ability-to-Repay-or-TRID-or-RESPA-line (mortgage-tech+iBuying+title — Stewart+Cadre-Yieldstreet 2023-abandoned+Landis precedent), plus SBA 7(a)+504+7(m)+HUD-FHA+VA-Home-Loan+USDA Rural Development+FinCEN AML+BSA+OFAC+FATF+BIS+FSB+CSBS+NMLS discipline day-one. Which investors lead AI core-banking-lending-credit-mortgage rounds in 2026? Growth+PE+strategic-CVC: Molten Ventures-Nyca-Temasek-Eurazeo-JPMorgan-Standard Chartered-Lloyds-Thought Machine 2022 $2.7B+Q3 2024 restructure cautionary, EQT-General Atlantic-Bridgepoint-Mambu 2021 $5.5B+Q3 2024 down-round-rumor cautionary, BlackRock-JPMorgan-Nationwide-CBA-10x Banking 2022+Q3 2024 layoffs cautionary, Portage-Speedinvest-Tuum, Fiserv-Finxact 2022 $650M, Motive Partners-Backbase 2022 €2.5B secondary, Chetwood-Vault, Thoma Bravo-Bottomline 2022 $2.6B take-private, Warburg Pincus-Personetics 2022 $85M, Bain Capital-Reverence-Envestnet 2024 $4.5B take-private-agreed cautionary, EQT-Advent-Temenos 2022 take-private-abandoned cautionary. LOS+credit: Oak HC/FT+Thomvest-Ocrolus 2023 $80M, Elad Gil-Cowboy-Ntropy 2023, Index-Tiger-Codat 2022+Q3 2024 layoffs, TPG-MX 2021+Q3 2024 down-round-rumor, TransUnion-Salesforce-FinLocker 2024, Insight-CMFG-Zest AI 2023. Mortgage+iBuying: SoftBank Vision Fund-Katerra+View+Compass write-down 2022 precedent+WeWork Ch-11 Nov-2023 precedent cautionary, Tiger-a16z-Divvy Homes+Q3 2024 layoffs+down-round cautionary, SoftBank-Roofstock 2022 $240M+Q3 2024 restructure cautionary, Cadre-Yieldstreet 2023-abandoned cautionary. Public: Alkami $ALKT, nCino $NCNO+Q3 2024 mortgage-headwind, Q2 $QTWO, Blend $BLND+Q3 2024 restructure-mortgage-collapse, ICE Mortgage-Black Knight 2023 $11.8B, Rocket $RKT+Q3 2024 headcount, UWM $UWMC, Better.com $BETR-SPAC 2023+Zoom-firing precedent, LoanDepot $LDI+Jan-2024 ransomware, SoFi $SOFI, Upgrade-LendingClub 2007, Affirm $AFRM, Klarna Nasdaq IPO Sep-2025 postponed cautionary, Block-Afterpay 2022 $29B, Zip, Sezzle, Upstart $UPST+Q3 2024 auto-tightening, Pagaya $PGY+Q3 2024 restructure, Opendoor $OPEN+Q3 2024 iBuying-collapse, Offerpad $OPAD, Compass $COMP+2022 SBC-cut, Anywhere $HOUS, Zillow $Z Q3 2021 iBuying-exit precedent, Redfin $RDFN-Rocket 2025 $1.75B, First American+2023 ransomware, Fidelity National Financial+Nov-2023 ransomware, Doma-Blend $DOMA. Cautionary: EasyKnock CFPB-NY-AG lawsuit Q3 2024 precedent+Better.com Zoom-firing Dec-2021+Katerra+View+Compass SoftBank 2022 write-down+WeWork Ch-11 Nov-2023+Cadre-Yieldstreet 2023-abandoned+Roofstock Q3 2024+Divvy Q3 2024+Doma Q3 2024+First American Q3 2023 ransomware+Fidelity Nov-2023 ransomware+Opendoor iBuying-collapse+Zillow Q3 2021 iBuying-exit called out. What CFPB+Fair-Lending+AI+Basel+SR 11-7+AI RMF+EU AI Act+Fannie/Freddie/FHFA/HUD/VA/USDA+MISMO+NMLS+CSBS discipline do investors want to see day-one? Fair-lending+AI+model-risk: CFPB Section 1071 Small-Business-Data-Collection-Rule 2023+Q3 2024 Texas-district-court-injunction cautionary+CFPB 1033 Open Banking October-2024+CFPB UDAAP+ECOA Reg B disparate-impact SCOTUS Q3 2024+FCRA+FDCPA+HMDA+Reg Z Truth-in-Lending+Reg E EFTA+Regulation AA+Regulation CC+Regulation DD+Regulation V FCRA+CFPB Adverse-Action Notice-Requirements+CFPB Statement AI-Chatbots June-2023+SR 11-7 Fed Model Risk Management+OCC 2011-12+NIST AI RMF 1.0 January-2023+EU AI Act August-2024 Annex-III credit-scoring high-risk, Mortgage+GSE+FHA+VA+USDA: FHA+VA+USDA+Fannie Mae DU Desktop Underwriter+Freddie Mac LPA Loan Product Advisor+Ginnie Mae+FHFA+CFPB QM Qualified Mortgage+Ability-to-Repay+TRID+RESPA+Dodd-Frank Title XIV 2010+CRA Oct-2023-final-rule+Q3 2024 vacated-in-Texas-district cautionary+MISMO Mortgage Industry Standards Maintenance Organization+FICO 10T+VantageScore 4.0+FICO 2-vs-FICO 5-vs-FICO 8 Classic-vs-FICO 10T bifurcation+AUS Automated Underwriting Systems, Bank+credit-union+state-licensing: NCUA+OCC+FDIC+Federal Reserve+FSOC+CSBS Model Money-Transmission-Act 2021+NMLS Nationwide Multistate Licensing System+Basel III Endgame July-2023+Q3 2024 re-proposal cautionary, SMB+microloan+rural: SBA 7(a)+504+7(m) microloan+HUD-FHA+VA-Home-Loan+USDA Rural Development, AML+global: FinCEN AML+BSA+OFAC+FATF+BIS+FSB. Cautionary: CFPB 1071 Q3 2024 Texas-injunction+CRA Oct-2023-final-rule+Q3 2024 vacated-Texas+Basel III Endgame July-2023+Q3 2024 re-proposal+EU AI Act August-2024 Annex-III credit-scoring high-risk+ECOA-Reg B disparate-impact SCOTUS Q3 2024 precedent+EasyKnock Q3 2024 CFPB-NY-AG lawsuit precedent+Better.com Zoom-firing December-2021 precedent+LoanDepot Q3 2024 ransomware-Jan-2024+First American Q3 2023 ransomware+Fidelity National Financial November-2023 ransomware+Opendoor Q3 2024 iBuying-collapse+Zillow Q3 2021 iBuying-exit precedent+Compass 2022 SBC-cut+Katerra+View+Compass SoftBank 2022 write-down+WeWork Ch-11 November-2023 precedent+Cadre-Yieldstreet 2023-abandoned called out (loans-originated+NIM+charge-off+net-ARR+Fannie DU+Freddie LPA+AUS+FICO 10T+VantageScore 4.0+Equifax+Experian+TransUnion+CFPB 1071+1033+ECOA+FCRA+HMDA+Reg Z+TRID+RESPA+Dodd-Frank+CRA+Basel III Endgame+SR 11-7+NIST AI RMF+EU AI Act Annex-III+ECOA-SCOTUS Q3 2024+MISMO+NMLS+CSBS+FHFA+HUD+FHA+VA+USDA+FinCEN+OFAC+FATF+BIS+FSB discipline day-one). 