Celligence has landed a $100m investment from Mortgage Treasury, a real estate finance company, to accelerate the rollout of its automated mortgage and transaction technology.
The funding will be used to scale AngelAi, a platform that allows everyday consumers and enterprise lenders alike to complete complex financial transactions through conversation rather than traditional paperwork-heavy processes.
For home buyers specifically, the tool can guide users through an entire mortgage journey, spanning application, validation, underwriting and servicing.
Built on more than four decades of lending expertise from Sun West Mortgage Company, AngelAi has already attracted over 400,000 users and processed 200,000 transactions, with its intellectual property independently valued at $119bn.
The platform runs on Celligence’s proprietary Transactional Language Model (TLM), engineered to convert everyday conversation into dependable, executable transactions, and its financial decisions are backed by a warranty to give consumers added assurance.
The investment arrives as lenders across the financial sector turn increasingly to AI to strip cost and friction from transactions that traditionally demand heavy manual oversight.
AngelAi is designed to automate these processes without sacrificing the accuracy, compliance and tailored decisioning that regulated financial products require, with the broader aim of making mortgages and other products accessible to a wider pool of consumers.
Celligence positions AngelAi as more than a mortgage tool. The company intends to keep expanding the platform’s capabilities beyond traditional mortgage workflows, with the long-term goal of building a single AI-powered platform through which consumers can access and execute a broader range of financial services.
With the fresh capital, AngelAi has earmarked its investment across four priorities: widening access to US homeownership through low-cost, AI-guided mortgages; growing its user base towards a long-term target of 100 million active users; deepening its predictive analytics engine and AI infrastructure to support international regulatory frameworks; and extending its footprint into North and South America, the Middle East and Asia-Pacific, regions it sees as ripe for streamlined real estate finance technology.
Celligence founder and CEO Pavan Agarwal said, “Our vision is to change how people interact with financial institutions through intelligent and empathetic AI. This investment will amplify cross selling and network effects to make AngelAi the dominant consumer finance and mortgage app. With the shared vision of Mortgage Treasury, we are positioned to widen product capabilities, enhance our deep-learning architecture, and simplify the financial experience for millions of people.”
Mortgage Treasury CEO John D. Waiheʻe III said, “In a dynamic financial landscape, efficiency, accuracy, and trust are paramount. AngelAi delivers on all three fronts by removing traditional obstacles in loan originations and secondary market transactions. We believe that AngelAi is shaping the future of financial services, and we are proud to stand behind their visionary team.”
Mortgage Treasury board member Tomoyuki Nakano said, “Our study into the current state of lending concluded that the only way to source pristine credit assets for our investors is that those assets are manufactured by AngelAi’s Transactional Language Model, where there is no possibility of contaminating the asset quality with human bias and errors.
“AngelAi has raised the expectations of AI from theoretical capability to completing multi-step, multi-discipline processes that are traditionally completed by large teams of humans. We anticipate tremendous cross-border opportunities.”
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