Stavvy
Stavvy (Agape Labs, Inc.) is a Boston-based digital transaction platform serving mortgage lenders, title and settlement agents, real estate law firms, and mortgage servicers with electronic closings, remote online notarization, and digital mortgage servicing solutions across the United States.
- Company typePrivate
- Founded2018
- HeadquartersBoston, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Stavvy does
Stavvy (legal name: Agape Labs, Inc.) is a Boston-based, privately held digital transaction platform for the real estate and mortgage industry, founded in 2018 with a headcount of 51–100 employees. The company serves mortgage lenders, title and settlement agents, real estate law firms, mortgage servicers, and home equity lenders by digitizing the traditionally paper-based closing, notarization, and default servicing workflows through a unified platform. Stavvy holds certifications from MISMO (eClosing and RON), approvals from Fannie Mae, Freddie Mac, Ginnie Mae, and MERS, and SOC 2 Type 2 compliance, positioning it to sell into GSE-aligned and aggregator-driven mortgage workflows.
The platform is built on a modular architecture of core technology components, including the proprietary SMART Doc® Engine (acquired from Evolve Mortgage Services), an industry-recognized eVault, eNote, Remote Online Notarization (RON), In-Person Electronic Notarization (IPEN), eSign, and an Eligibility Engine that determines loan eligibility for digital closing methods across all 50 states. Solutions are organized into four lines: Digital Mortgage Lending (hybrid, eNote, and full eClosing), eClosing for Title and Settlement, Digital Mortgage Servicing (default management, loss mitigation, foreclosure, and a homeowner engagement portal with a Waterfall Rules Engine), and Digital Home Equity Lending. Stavvy Connect provides the underlying meeting, communication, and identity verification infrastructure, and Stavvy Pay handles integrated payment processing.
Stavvy operates an enterprise B2B go-to-market through direct sales, generating revenue via Master Services Agreements with banks, lenders, title companies, and law firms under multi-year subscription contracts with negotiated, transaction- or seat-based pricing. Strategic acquisitions of Brace (August 2023, mortgage servicing technology) and SigniaDocuments (November 2023, SMART Doc technology and eVault) materially expanded the platform's capabilities and extended coverage to all 50 states. Named enterprise customers include Flagstar Bank, Home Surety Title, Summit Title, and Celebration Title; integration partners include Encompass (loan origination), DocITT, Finlocker, MortgageCoach, and SalesBoomerang. Total disclosed funding to date is approximately $53 million across rounds in 2019, 2021, and 2022, including a $26.5 million round in 2021 led by Morningside.
Stavvy firmographics
Firmographics- Name
- Stavvy
- Legal name
- Agape Labs, Inc.
- Website
- https://stavvy.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Stavvy (Agape Labs, Inc.) is a Boston-based digital transaction platform serving mortgage lenders, title and settlement agents, real estate law firms, and mortgage servicers with electronic closings, remote online notarization, and digital mortgage servicing solutions across the United States.
- Ownership category
- akta.pro rank
Stavvy industry classification
Industry- Product category
- Digital Mortgage Closing Platform
- NAICS
- Computer Systems Design and Related Services (54151)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Title, Settlement & Closing Services Technology (FSALALAK)
Keywords
Where Stavvy is headquartered
LocationHeadquarters
- HQ city
- Boston
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Stavvy business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Platform Subscription and Transaction Fees: Stavvy generates revenue through subscription-based access to its digital transaction platform, with fees likely structured around transaction volume, user seats, or tiered service levels. The platform enables digital mortgage closings, notarizations, and servicing workflows for financial institutions and real estate professionals.
- Enterprise MSA Agreements: Stavvy enters into Master Services Agreements (MSAs) and Order Forms with enterprise customers (banks, lenders, title companies, law firms), with negotiated pricing terms. Authorized users of MSA customers are billed indirectly through the customer entity.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise subscription with negotiated pricing |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels9 records
Stavvy product offering
Product offeringCore offering
Stavvy is a cloud-based digital real estate transaction platform that enables electronic mortgage closings (hybrid, eNote, full eClosing), remote online notarization (RON), in-person electronic notarization (IPEN), electronic document vaulting (eVault), eSign, and digital mortgage default servicing/loss mitigation workflows. The platform is sold to enterprise mortgage lenders, title and settlement companies, real estate law firms, and mortgage servicers across all 50 US states. Foundational capabilities include the proprietary SMART Doc® Engine, eVault, Eligibility Engine, and the Homeowner Engagement Portal for default servicing.
Product overview
Stavvy is a digital real estate transaction platform built as a unified platform-plus-modules architecture. The core offering centers on four main solutions: Digital Mortgage Lending (eClosing), eClosing for Title and Settlement, Digital Mortgage Servicing (default management), and Digital Home Equity Lending. These solutions are powered by foundational technology modules including the SMART Doc® Engine, eNote, eVault, Remote Online Notarization (RON), In-Person Electronic Notarization (IPEN), Eligibility Engine, and eSign. The platform enables electronic document signing, remote notarization, digital vault storage, and collaborative workflows for mortgage closings, default servicing, and foreclosure management. Stavvy Connect provides the underlying meeting and communication infrastructure, while Stavvy Pay handles integrated payment processing.
Differentiator
Problem solved
Functional benefit
Products and services
- Digital Mortgage Lending
Quantifiable outcome
- Enables processing of ~500 mortgage files per month for high-volume title companies
- +3 more outcomes
Companies that use Stavvy
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
Stavvy technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature10 records
Stavvy partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and flagship.
- Evolve Mortgage Services (SigniaDocuments)coreStavvy acquired SigniaDocuments, a technology suite from Evolve Mortgage Services, including SMART Doc® technology, eClosing tools, and industry-recognized eVault. This acquisition expanded Stavvy's digital mortgage platform capabilities and enabled geographic expansion to all 50 states.
- Brace Software Inc.coreStavvy acquired Brace to enhance mortgage servicing technology, streamlining default servicing and loss mitigation processes. The acquisition was supported by technological innovations and regulatory validation to improve transparency and efficiency for homeowners and servicers.
- Flagstar BankflagshipFlagstar Bank partnered with Stavvy to provide digital customer experiences for loan customers, enabling easier and more convenient loan servicing. Flagstar values the partnership for offering industry-leading customer experience through technology.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Stavvy competitors and assessment
Company assessmentDirect peers
- Snapdocs: Snapdocs is a direct competitor in digital mortgage closings, providing eClosing, RON, and notary network services to lenders and title companies. It targets the same core segments (lenders, title agents, settlement agents) with overlapping product capabilities and is the most commonly cited competitor in the space.
- Notarize: Notarize provides a remote online notarization platform with identity verification and document signing, serving mortgage, real estate, and legal verticals. It overlaps with Stavvy's RON and eSign capabilities and competes for similar enterprise lending customers.
- DocMagic: DocMagic offers mortgage document preparation, eClosing, eVault, and compliance technology for lenders and settlement agents. It is a direct competitor across Stavvy's SMART Doc, eClosing, and document engine offerings within the same customer base.
- Pavaso (ICE Mortgage Technology): Pavaso, now part of ICE Mortgage Technology, is a digital closing platform with eNotarization and collaborative workflow tools. It competes directly with Stavvy in eClosing and RON for the same lender and title agent segments.
- NotaryCam: NotaryCam provides remote online notarization services focused on mortgage and real estate transactions. It is a direct RON competitor to Stavvy and frequently serves the same lender and title agent customer base.
Broad incumbents
- Wolters Kluwer (eOriginal): Wolters Kluwer acquired eOriginal to offer eVault, eNote, and digital mortgage asset management solutions. As a much larger incumbent serving lenders with a broader compliance and lending portfolio, it competes with Stavvy's eVault/eNote capabilities from a position of greater scale.
- DocuSign: DocuSign is the dominant general-purpose eSignature platform with mortgage-specific solutions (DocuSign Mortgage) and identity verification. While broader in scope, it overlaps with Stavvy's eSign and CLM capabilities for lender and real estate customers.
- SimpleNexus (now nCino): SimpleNexus, acquired by nCino, is a digital mortgage platform covering borrower point-of-sale, closing, and ongoing loan engagement. It overlaps with Stavvy's borrower engagement and digital lending capabilities as part of a broader loan origination suite.
- Mortgage Cadence (ICE): Mortgage Cadence, an ICE Mortgage Technology product, provides loan origination systems that integrate with eClosing partners including Stavvy. It serves as both a complementary LOS partner and a broad incumbent whose enterprise customers may evaluate against integrated closing platforms.
Others
- Equifax (KYC / identity verification): Equifax provides identity verification and KYC services used in mortgage origination and RON workflows. While not a direct competitor, it is an ecosystem participant whose capabilities intersect with Stavvy's KBA and identity proofing features in remote notarization.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Stavvy social profiles
Digital presenceStavvy compliance and trust
Trust signalCompliance7 records
Stavvy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stavvy leadership team
Management profileNumber of profiles
Profiles7 records
Stavvy subsidiaries and ownership
Company hierarchySubsidiaries2 records
Stavvy funding detail
Funding detailFunding overview
Funding rounds5 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stavvy M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stavvy
What does Stavvy do?
Stavvy is a cloud-based digital real estate transaction platform that enables electronic mortgage closings (hybrid, eNote, full eClosing), remote online notarization (RON), in-person electronic notarization (IPEN), electronic document vaulting (eVault), eSign, and digital mortgage default servicing/loss mitigation workflows. The platform is sold to enterprise mortgage lenders, title and settlement companies, real estate law firms, and mortgage servicers across all 50 US states. Foundational capabilities include the proprietary SMART Doc® Engine, eVault, Eligibility Engine, and the Homeowner Engagement Portal for default servicing.
Is Stavvy a public or private company?
Stavvy is a private company. It is classified as venture growth investor backed and is currently operating.
When was Stavvy founded?
Stavvy was founded in 2018. It employs 51 to 100 people.
Where is Stavvy based?
Stavvy is headquartered in Boston, United States, in the North America region.
How does Stavvy make money?
Two revenue lines are on record. Platform Subscription and Transaction Fees are the primary driver. The others are enterprise MSA Agreements.
Who are Stavvy's main competitors?
Direct peers on record are Snapdocs, Notarize, DocMagic, Pavaso (ICE Mortgage Technology) and NotaryCam. Broad incumbents are Wolters Kluwer (eOriginal), DocuSign, SimpleNexus (now nCino) and Mortgage Cadence (ICE). Equifax (KYC / identity verification) is listed as an others.
Does Stavvy have an API?
Yes. Stavvy has an eVault API that enables document certification and vaulting services. The API is used for select customers and has experienced outages in the past, indicating active usage. No public developer documentation, SDK, or developer portal is referenced in the source materials.
What industry is Stavvy in?
Stavvy's product category is Digital Mortgage Closing Platform. Its primary akta.pro industry code is FSALALAK, Title, Settlement & Closing Services Technology. Its NAICS code is 54151 and its SIC code is 7372.