Citi has made and equity investment in Vontive, an embedded mortgage platform for investment real estate.

Additionally, Vontive launched a $150 million securitisation shelf VNTV 2025-RTL1, with Citi serving as the sole lead for the transaction.

The company said that the VNTV 2025-RTL1 establishes its securitisation shelf, combining a traditional structure for credit investing with its technology for digitally originating, underwriting, and servicing business-purpose mortgages at scale.

Vontive's platform connects private credit investors with real estate entrepreneurs, removing barriers for private credit to finance the regeneration of US housing stock.

The company claims it is solving an “urgent, real world” problem as more than 70 million homes were built before 1980, according to the Census Bureau, with many needing renovation as the country faces what it describes as a chronic and worsening shortage of affordable housing.

It said that the securitisation will allow it to facilitate the flow of private capital to fund real estate modernisation as investors seek higher-yielding exposure to US mortgage credit.

The investment was made through Citi's Spread Products Investment in Technologies (SPRINT) team, the strategic venture investing arm of Citi’s Spread Products business.

“Vontive is a highly strategic investment given the meaningful ways that Citi’s Spread Products desks can support them,” said Lee Smallwood, global head of markets innovation and investments, Citi. “We are excited about Vontive’s growth potential and their story – they have a strong blend of mortgage and technology expertise.”

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