What Sagent Lending Technologies does

Sagent Lending Technologies, operating as Sagent M&C, LLC and backed by private equity firm Warburg Pincus, provides the Dara platform, an end-to-end, cloud-native mortgage servicing system built on a real-time data architecture and open-API ecosystem. Dara unifies daily servicing operations (Core), a mobile-first consumer experience, default lifecycle workflows (loss mitigation, bankruptcy, foreclosure, claims, invoicing, attorney management), and embedded analytics into a single platform with regulatory compliance encoded against 8,879+ rules from CFPB, GSEs, FHA, VA, USDA, and all 50 states. The company complements Dara with a legacy LoanServ platform still in production ($1,080.01B UPB at June 2026 EOM) and an AI layer (Dara AI Go!, Dara Predict, Dara RegIQ, Ask Dara) targeted at agentic workflow execution, propensity modeling, regulatory intelligence, and natural-language portfolio analysis.

The company monetizes through enterprise SaaS subscriptions, typically multi-year, with quote-based pricing tied to loan volume and module selection, plus professional services for implementation, migration, and consulting. Go-to-market is direct enterprise sales augmented by an ecosystem of 25+ integrated partners (payments, tax, flood, insurance, risk, document delivery, consumer finance) and an annual Ignite customer conference. Sagent serves approximately 40+ mortgage and consumer lending clients — including banks, non-bank servicers, housing finance agencies (e.g., IHFA under a ten-year agreement), and GSEs (Fannie Mae, Freddie Mac) — supporting 16M+ active loans, $1.4B in monthly payments processed, and $2.5T+ in UPB across U.S. and global operations of 800+ teammates.

Leadership is concentrated in former Mr. Cooper executives: Chairman & CEO Chris Marshall (appointed January 2026), President Sridhar Sharma (appointed February 2026), and CFO Kenneth Posner (appointed June 2026), with CISO Kyle Draisey joining in May 2026. The company was founded in 2018, is headquartered in the King of Prussia / Dallas region, and maintains engineering offices in Chennai, India. Recent activity through 2026 includes the Dara general availability launch, multiple new AI and default-servicing product launches, flagship partnerships with IHFA and the GSEs, and continued recognition on the HousingWire Tech100 list for six consecutive years.

Name

Sagent Lending Technologies

Legal name

Sagent M&C, LLC

Website

https://sagent.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Sagent Lending Technologies provides a cloud-native, AI-native mortgage servicing platform (Dara) that unifies core servicing, consumer experience, default management, analytics, and compliance on real-time data for U.S. banks, non-bank lenders, housing finance agencies, and GSEs.

Ownership category

akta.pro rank

Product category

Mortgage Servicing Software

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Prime (Agency/Conforming) Mortgage Servicing (FSALAEAA)

Keywords

• Mortgage servicing software
• Loan servicing platform
• Cloud-native servicing
• Mortgage compliance automation
• Default management software

Headquarters

HQ city

King Of Prussia

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Platform Subscription: Subscription-based licensing of Dara platform for mortgage servicers, typically multi-year agreements with tiered capabilities based on loan volume and features
2. Professional Services: Implementation, migration, and consulting services supporting platform deployment and customer onboarding

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Sagent Lending Technologies provides Dara, a cloud-native, AI-native end-to-end mortgage servicing platform that unifies core servicing, consumer experience, default management, analytics, claims, AI-driven document workflows, and loan transfers for U.S. mortgage servicers, banks, and lenders. The company also continues to operate LoanServ as a legacy servicing platform serving existing customers.

Differentiator

Problem solved

Functional benefit

Brands

• Dara: Cloud-native, end-to-end mortgage servicing platform that unifies core servicing, consumer experience, default management, analytics, claims, AI-driven document workflows, and loan transfers. Includes products: Dara Core, Dara Consumer, Dara Default, Dara Analytics, Dara Claims, Dara Invoice, Dara Attorney Portal, Dara Transfer, Dara Predict, Dara RegIQ, Dara AI Go!

Products and services

• Dara Platform End-to-end cloud-native mortgage servicing platform that unifies core servicing, consumer experience, default management, analytics, and AI capabilities into a single real-time system. Industry's first fully unified mortgage servicing platform targeting the $14+ trillion U.S. mortgage market.
• LoanServ Legacy servicing platform that continues to power servicers with real-time data, customer service, workflow automations, and document tracking. Supports payment processing, payoff quoting and tracking, ACH, and service release functions.
• Dara Claims Claims processing automation solution that reduces operational costs, improves expense recovery, and streamlines compliance for insurance and investor claims. Available as a standalone product.
• Dara Invoice Real-time invoice management solution for mortgages in default that eliminates manual email, spreadsheet, and PDF processing through rules-based automation, bulk submission, and real-time collaboration between servicers and default servicing partners. Available as a standalone solution.
• Dara Attorney Portal Unified interface for attorneys to manage foreclosure and default processes with real-time data access, document management, and messaging capabilities, integrated with Dara Default and LoanServ systems.
• Dara Migration Migration services providing a proven approach to migrate large and complex servicing portfolios to the Dara platform with reduced risk, designed for deliberate and predictable transitions.

Quantifiable outcome

• Platform testing coverage expanded by 90%
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability9 records

Feature10 records

Partnerships

13 partnerships are on record, tiered core, flagship, standard and preferred.

• Output Services Group (OSG)coreTechnology or Integration · 12 May 2026Strategic partnership to integrate OSG's JourneyConnect solution with Sagent's Dara servicing platform via API connectivity, enabling real-time data exchange, automated homeowner notifications, and compliant document delivery across print, mail, and digital channels. OSG serves 4,400+ customers with 50+ years of mortgage communications expertise.
• Newcourse CommunicationscoreTechnology or Integration · 1 February 2026Joined Sagent partner network to redefine mortgage servicing communications, strengthening open ecosystem approach for greater flexibility and choice
• VerituitycoreTechnology or Integration · 21 October 2025Strategic partnership to embed Verituity's cloud-based payouts platform into Sagent's servicing solutions, enabling mortgage servicers to replace legacy check-based systems with modern digital payment rails. Benefits include reduced fraud, lower escheatment exposure, improved compliance, and better efficiency for disbursements.
• Idaho Housing and Finance Association (IHFA)flagshipStrategic or Co-development Partner · 23 September 2025Initial partnership to implement Dara Claims platform, completed in under 60 days. Expanded to full Dara platform adoption for end-to-end servicing operations in February 2026. Ten-year agreement to modernize IHFA's servicing technology stack and support affordable housing programs.
• ACI WorldwidecoreTechnology or IntegrationIntegration partner providing ACH payment processing capabilities within the Dara ecosystem
• Allied SolutionsstandardTechnology or IntegrationInsurance and risk management solutions integration partner for the Dara ecosystem
• AssurantstandardTechnology or IntegrationHazard insurance solutions partner integrated with Dara platform
• LERETAcoreTechnology or IntegrationTax and flood services provider integrated with Dara, offering mortgage lien release, tax certificates, and total tax services
• National General Lender ServicesstandardTechnology or IntegrationPortfolio insurance monitoring strategies for mortgage servicers with tailored, compliant solutions focused on customer experience, leveraging Allstate expertise
• FlexpreferredTechnology or IntegrationPreferred partner offering flexible payment solution that lets borrowers split mortgage payments into two smaller payments aligned with pay schedule. Achieves 80% CSAT and 4.8-star App Store rating.
• G2 Risk SolutionsstandardTechnology or IntegrationRisk and compliance business intelligence provider offering bankruptcy case search, notifications, docket event monitoring, and automated court document filing
• Fannie MaeflagshipStrategic or Co-development PartnerData modernization partnership for event-based reporting; Sagent supports Fannie Mae's multiyear future-state roadmap
• Freddie MacflagshipStrategic or Co-development PartnerPartnership for Resolve initiative; Sagent aligned with Freddie Mac's future-state servicing data exchange requirements

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• nCino: nCino provides a cloud-based banking platform with mortgage and lending workflow functionality for financial institutions. It overlaps with Sagent in serving U.S. banks and lenders with digital lending and servicing workflows.
• FIS (Fidelity National Information Services): FIS is a major financial services technology provider with lending, servicing, and core banking solutions for banks, lenders, and servicers. It competes with Sagent in the broader mortgage technology and digital lending ecosystem.
• Finastra: Finastra is a large financial services software provider offering lending, banking, and capital markets platforms globally. It competes broadly with Sagent in digital lending and mortgage technology for large banks and lenders.

Others

• Mr. Cooper Group: Mr. Cooper is one of the largest U.S. mortgage servicers and was acquired by Rocket Companies in 2025. It is not a direct technology competitor but has been the source of multiple Sagent executives and a key pipeline for enterprise sales relationships.
• Cotality (formerly CoreLogic): Cotality is a major data and analytics provider for the U.S. mortgage and real estate industry, and is an existing integration partner within Sagent's Dara ecosystem. It is an authoritative data and enablement counterpart rather than a direct servicing platform competitor.

Emerging players

• Roostify: Roostify provides digital mortgage point-of-sale and workflow solutions to U.S. lenders, including home equity and refinance products. It is an emerging player in the mortgage technology stack with overlapping lender customers and digital workflow capabilities.
• Maxwell: Maxwell is a digital mortgage platform for community banks and credit unions, providing point-of-sale, workflow, and CRM tools. It overlaps with Sagent in serving smaller U.S. mortgage lenders and offers a complementary software stack.
• Blend: Blend is a digital lending platform focused on consumer mortgage and banking product workflows, increasingly extending into servicing and closing. It is an emerging mortgage technology player with overlapping buyer personas to Sagent among U.S. lenders and servicers.

Direct peers

• ICE Mortgage Technology (formerly Black Knight): ICE Mortgage Technology, formed from the acquisition of Black Knight, is the dominant incumbent in U.S. mortgage servicing technology with its LoanSphere MSP platform. It is the largest direct competitor to Dara in cloud-native servicing, and the most entrenched provider for top-tier U.S. servicers.
• Mortgage Cadence: Mortgage Cadence, an Accenture-owned provider, sells enterprise mortgage origination and workflow software to large U.S. lenders and servicers. It is a direct adjacent competitor serving many of the same enterprise mortgage customers that Sagent targets, with overlapping digital workflow capabilities.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat7 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/sagent-lending-technologies
• Xx.com/SagentLending

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sagent Lending Technologies