What Union Andina does

Union Andina S.A. is a regulated real estate credit intermediary that facilitates international home purchases in Latin America for the Latin American diaspora. The company is registered with the Banco de España under designation D578 as a real estate credit intermediary, and operates two branded platforms: Viventa in Colombia and Unión Andina Ecuador, serving cross-border buyers seeking to acquire residential property in those markets. Its commercial function is to bring qualified diaspora demand into formal mortgage channels rather than to act as a direct mortgage originator or credit risk-taker.

The underlying model is intermediation: Union Andina connects prospective buyers with partner banks that originate the underlying mortgage credit, and with developers managing a portfolio of more than 250 accessible housing projects across both countries. The platform handles the buyer-facing workflow — discovery, project selection, documentation, and credit application routing — while the bank partner retains the credit decision and the credit balance sheet. Union Andina generates revenue from transaction-level referral fees paid by those bank partners per funded deal. The 101–250 employee base supports multi-country operations including deal origination, partnership management, and platform/product engineering.

The dual-platform structure (Viventa for Colombia, Unión Andina Ecuador) indicates deliberate market segmentation rather than a unified cross-border product, likely reflecting differences in local banking distribution, regulatory regimes, and developer ecosystems in each country. The Spanish regulatory standing provides a European-jurisdiction overlay atop the LatAm operating footprint, which is relevant both for bank-counterparty trust and for serving European-resident diaspora buyers. No disclosed revenue, funding history, named bank counterparties, transaction volume, or technology stack details are available in the source material, which limits the ability to benchmark the company's scale or unit economics against sector peers.

Name

Union Andina

Legal name

Unión Andina S.A.

Website

https://union-andina.net

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Union Andina is a Spain-regulated real estate credit intermediary that operates the Viventa and Unión Andina Ecuador platforms to connect Latin American diaspora buyers with bank-originated mortgage credit and 250+ housing projects in Colombia and Ecuador, earning referral fees per funded deal.

Ownership category

akta.pro rank

Product category

Real Estate Credit Intermediation

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Real estate credit intermediation
• International mortgage services
• Cross-border housing finance
• Diaspora home financing
• Property purchase services

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Real Estate Credit Intermediation: Acts as an intermediary between home buyers seeking mortgages and banking partners in Colombia and Ecuador. Earns referral/commission fees from partnered banks for facilitating housing credit transactions.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Unión Andina operates as a real estate credit intermediary registered with the Bank of Spain (D578). It connects international home buyers—primarily Latin American migrants living abroad—with banking partners in Colombia and Ecuador to facilitate mortgage financing and the purchase of residential property in those countries. The company provides access to over 250 housing development projects across both markets through dedicated platforms.

Product overview

Unión Andina operates as a dual-platform real estate service enabling international home purchases. The core offering consists of Viventa (Colombia platform) and Unión Andina Ecuador, which together provide access to 250+ housing projects across both countries. The service facilitates mortgage financing through partnerships with regional banks and provides end-to-end support for purchasing property remotely from anywhere in the world. The company is registered with the Bank of Spain as a real estate credit intermediary.

Differentiator

Problem solved

Functional benefit

Brands

• Viventa: Related brand mentioned in copyright notice; appears to be an affiliated real estate platform offering housing projects in Colombia

Products and services

• Viventa

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Regional players

• Properati: Regional real estate classifieds platform active in Colombia and other Latin American countries. Comparable as a digital channel for housing discovery and lead generation, overlapping with Unión Andina's listings funnel.
• Vivanuncios: Mexico-focused online real estate marketplace with deep classifieds inventory. Comparable as a LatAm real estate discovery platform, though geographically focused on Mexico rather than the Andean region.
• Lamudi: Latin American real estate marketplace operating across multiple emerging markets including Colombia. Comparable as a digital real estate discovery platform in the same geographies, although Lamundi does not directly intermediate mortgage credit.

Broad incumbents

• LendingTree: US-based marketplace that matches borrowers with multiple mortgage and consumer lenders. Comparable as a credit intermediary / loan broker business model, although much larger and US-focused.
• Rocket Mortgage: Largest US retail mortgage originator, operating a digital direct-to-consumer origination platform. Comparable as a scaled digital mortgage channel that banks and developers could partner with or compete against.
• Zillow: Global real estate marketplace with listings plus mortgage and financing services. Comparable as a tech-enabled real estate discovery + financing intermediary, though operating at much larger scale and predominantly in the US.
• Better.com: US digital mortgage lender and broker with a tech-led origination platform. Comparable business model of using digital channels to intermediate mortgage financing, though operating at significantly larger scale and in a different geography.

Emerging players

• Habitable (Habi): Colombian proptech that buys, renovates, and resells homes with embedded mortgage/financing support. Comparable to Unión Andina in serving the Colombian housing market with technology-enabled purchase experiences, though Habi operates as a direct buyer rather than a credit intermediary.
• Creditas: Brazilian digital lender offering home-equity and consumer credit products. Comparable as a LatAm fintech providing secured/real-estate-linked credit intermediation, though operating in a different market.

Others

• Remitly: Cross-border remittance fintech serving the Latin American diaspora. Comparable as a digital-first platform addressing the same Latin American diaspora financial-services workflow from the remittance side, with potential to expand into adjacent products like housing credit.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/union_andina

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Union Andina