About Calterra Capital
Calterra Capital is a company-building platform that creates, operates, and scales transformative technology businesses across the U.S. residential mortgage industry. We’re not investors — we’re founders. Our mission is to build benchmark companies that modernize the mortgage ecosystem by replacing outdated processes and legacy systems with cutting-edge, secure, and scalable solutions.
Addressing the Mortgage Industry’s Challenges
The mortgage industry continues to face significant technological challenges. Many segments are still weighed down by outdated legacy systems, disparate and inconsistent data formats, and platforms that are inflexible and difficult to integrate. In addition, data often moves through insecure channels, and system integrations are typically slow, unreliable, and costly. These issues contribute to inefficiency, increased risk, and missed opportunities across the mortgage lifecycle.
A Trusted Partner
Trust is earned, and we’ve built ours by delivering results. Our teams include experienced mortgage professionals who have firsthand knowledge of the inefficiencies and limitations of legacy technology. We pair them with senior technology leaders who specialize in fintech, cybersecurity, and compliance. Together, they build solutions that are reliable, secure, and tailored to the real-world needs of mortgage businesses. With over two decades of success delivering trusted solutions across the industry, Calterra-backed companies have become essential partners to lenders, investors, and service providers alike.
Building the Solutions the Industry Needs
At Calterra Capital, we solve these challenges by launching companies that deliver truly modern solutions. Our businesses develop innovative, cloud-based systems built on normalized, immutable data structures. These systems are designed to be highly configurable while maintaining rigorous controls, giving clients flexibility without sacrificing compliance or security. Our platforms use advanced encryption and follow industry best practices for secure data handling, while also offering seamless, fast integrations that simplify implementation and maximize value.
How We Work
We begin by identifying high-impact opportunities to improve technology within the mortgage ecosystem. Once an opportunity is validated, we assemble experienced teams of mortgage and technology professionals who understand the challenges and know how to solve them. We support our companies with patient, long-term capital and a hands-on operating model focused on accountability, excellence, and sustainable growth. Our approach is deliberate and disciplined, allowing us to create businesses that don’t just succeed — they set new standards.
Leading the Way in Mortgage Technology
We don’t just build software—we shape the future of mortgage technology. Calterra is actively engaged in industry consortiums and collaborates with regulatory bodies, trade associations, and other stakeholders to help define industry-wide standards. We take a prudent and responsible approach to introducing new technologies, ensuring that innovation is always paired with compliance and reliability.
A Platform Built for the Full Mortgage Lifecycle
Calterra’s portfolio spans the full spectrum of the mortgage industry, including Real Estate, Mortgage Origination, Retail Lending, Wholesale Lending, Warehouse Lending, Correspondent Lending, Mortgage Insurance, Mortgage Servicing, Default Servicing, Mortgage Retention, the Secondary Market, GSE channels, Capital Markets, and Portfolio Monitoring. We bring industry-specific focus and technical depth to each of these segments, ensuring that our solutions are purpose-built for the unique demands of the mortgage space.