Haven

Haven operates a homeowner engagement and loyalty platform built for the mortgage servicing industry. The product sits alongside a servicer's existing payment portal and turns it into a hub for home finances, giving borrowers tools to understand escrow, refinancing, insurance and other post-purchase decisions while presenting personalized offers at the point of engagement. The company states its platform reaches over 1.4 million homeowners, supports 11 or more offer types and generates high-intent leads from 11% of borrowers.

The platform is aimed at three customer groups: master servicers, who use it to improve yields on mortgage servicing rights through recapture and cross-sell; subservicers, who use it to differentiate their retention capabilities and win and retain client business; and lenders, whose loan officers are directed toward the highest-intent leads in their portfolio. Capabilities include a prediction, ranking and placement engine that determines when, where and how content and offers are shown to a borrower, loan-level offer targeting, borrower-goal capture, credit and equity monitoring enrollment, brand- and broker/loan-officer-level configurability, multi-tenancy for multiple brands, and real-time access to impression, view and click data.

Haven is designed to work with existing servicing infrastructure rather than replace portals. It integrates across master servicers, subservicers, data providers and marketplace partners through a single integration and APIs, supports single sign-on so borrowers log in as usual and click through to the servicer's site to make payments, and connects to existing POS, MMS and other systems. The company says deployments launch in weeks rather than months.

Founding story

The founders describe experiencing the opacity of homeownership after purchase as first-time buyers — with escrow, refinancing and insurance forming a "black box" once tools for obtaining a mortgage had done their job — which prompted them to build a digital platform connecting homeowners and mortgage companies.

Business model

Haven sells its platform to mortgage companies — servicers, subservicers and lenders — as white-labeled technology deployed on top of their existing servicing stack, positioning borrower engagement as a channel for recapture, cross-sell and retention revenue.

Traction

Company materials cite more than 1.4 million homeowners on the platform (an earlier about-page figure of 800,000+), 11% high-intent lead generation and 11+ supported offer types, along with customer testimonials from mortgage companies.

Latest developments

Haven markets segment-specific offerings for servicers, subservicers and lenders and states that integrations with existing servicing stacks can go live in weeks.