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Deep operating experience across commercial mortgage, housing finance, and federal programs.

Commercial Markets
Mortgage Banking & Consumer LendingOriginators, servicers, depositories, and the vendors who build for them.
Independent Mortgage BanksMortgage Servicers & SubservicersDepository LendersHome Equity & Non-QM LendersMortgage Technology Vendors
Housing Finance & Secondary MarketThe GSEs, capital markets, and the risk and closing ecosystem.
Government-Sponsored EnterprisesCapital Markets & InvestorsMortgage Insurers & Title / Settlement
Federal Programs
Federal Housing & Veterans ProgramsVA, HUD/FHA, USDA, and Interior program modernization.
VA Loan Guaranty (LGY)HUD / FHAUSDA Rural DevelopmentU.S. Department of the InteriorProgram Leadership & Delivery
Federal Health & Benefits AdministrationVeteran health and federal benefits administrators.
Veteran & Military Health AdministratorsFederal Benefits Delivery

Unvarnished perspectives and role-based training from operators who have done the work.

Our Company

The people are the production system.

Where genAI innovation, cross-sector mortgage expertise, and proven tech delivery meet. We are defined entirely by the operators who choose to build here.

PhoenixTeam founders Tanya, Tela, and Tom
Founders' Story

Rising Together

Tanya, Tela, and Tom met at PwC in 2001, transitioned to IBM, and soon found themselves craving a better cultural fit. Tela and Tanya spent nearly four years serving veterans at the VA Loan Guaranty Service, collaborating closely with Tom to lead LGY's largest-ever regulatory and tech transformation. Next, at Black Knight Financial Services (now ICE), they successfully managed and rapidly scaled the LoanSphere platform for industry leaders like Chase, Wells Fargo, and Bank of America. Eventually, driven by their entrepreneurial spirit and desire for a strong cultural alignment, they founded PhoenixTeam eleven years ago.

Our Journey

Twenty-five years in the making

From three colleagues to a nationwide team of 225+ practitioners.

2001

The founders meet

Tanya, Tela, and Tom meet at PwC and begin supporting the VA Loan Guaranty Service, the start of a two-decade partnership that carries through IBM and beyond.

2008

VALERI goes live for veterans

The VA work that began in 2001 culminates in February 2008, when Tela, Tanya, and Tom take VALERI live: the centerpiece of LGY's largest-ever regulatory and tech transformation on behalf of veterans.

2013

Scaling LoanSphere

At Black Knight Financial Services (now ICE), the trio manages and rapidly scales the LoanSphere platform for Chase, Wells Fargo, and Bank of America.

2015
The founding moment

PhoenixTeam is born

Driven by entrepreneurial spirit and the desire for a strong cultural fit, the founders launch PhoenixTeam: mortgage technology operators, not just advisors.

2017

Back to the VA, this time as PhoenixTeam

PhoenixTeam wins its first VA Loan Guaranty contract, its first federal housing agency as a company and a return to the veterans the founders served at the start of their careers.

2019

A second federal housing agency

The first major USDA Rural Development win adds a second federal housing agency, and the VA relationship deepens with a second contract the following year.

2022

HUD joins the mission

A $55M HUD FHA award and a second major USDA win of $48.5M bring PhoenixTeam's work to three federal housing agencies.

2022

Blue Phoenix takes flight

PhoenixTeam and veteran-owned Blue Bay Solutions form the Blue Phoenix Mentor-Protege joint venture, pairing deep housing expertise with an SDVOSB partner for federal mission work.

2023

Phoenix Burst enters the market

PhoenixTeam pivots hard into generative AI. The Phoenix Burst product family launches, and the firm makes the Inc. 5000 list of America's fastest-growing private companies for the fourth consecutive year.

2023

The federal mission deepens

Blue Phoenix expands its reach with a GSA IT-70 award, and PhoenixTeam is approved as a DOD SkillBridge partner for transitioning service members.

2024

A people-first culture, recognized

Inc. ranks PhoenixTeam among its Best Workplaces and names the CEO and COO to its Female Founders list, while Tela Mathias earns HousingWire's Vanguard Award.

2025

Delivery at federal scale

Blue Phoenix wins the $215M VA Loan Guaranty DevSecOps contract, PhoenixTeam a $49M USDA underwriting modernization, and Phoenix Burst earns its first MortgagePoint Tech Excellence Award.

2025

The industry learns AI here

PhoenixTeam becomes the MBA's first GenAI education partner, and Phoenix Burst achieves SOC 2 Type II compliance.

2026

Human Futures takes flight

PhoenixTeam launches Human Futures, its youth learning and career-readiness initiative. The first cohort begins hands-on AI and career-readiness work in June, building real skills, real projects, and real confidence.

Watch

The Story, From Those Who Built It

Hear the story behind PhoenixTeam: where we came from, what we believe, and where we're going, from the founders and leaders themselves.

The Founders' Interview

Lindsay & Becky's Interview

A conversation with two of the leaders shaping how PhoenixTeam works and grows.

Leadership Perspectives
Our DNA

Eight Building Blocks

Our DNA represents eight building blocks that are unique to us as human beings and as a company. It is how we treat each other and it is what our clients can expect from us.

We treat our work as a creation. We have and respect a creative process. We invest our gray matter in the works we create for our customers. We collaborate with each other, with our customers, and with our customers' partners.

We keep promises. We meet schedules. We own our results.

We rely on each other to find our errors and to share information, experience, expertise, and institutional knowledge we have as individuals. We expect those we work with to keep us out of harm's way. We are a team.

We think about the customers' desired outcomes and align our work to what they need. We avoid overpowering the customer. We listen. We incorporate our customers' culture, colors, and style into our work.

We expect meetings to be short, on point, and with an agenda. We expect appointments and meetings to start on time and end on time.

We sweat the small stuff. Our work is a science and an art. We deliver a polished result, every time, no matter the size of the task. Quality matters. Quality is a decision.

We expect those we work with to fix our errors and to add value to the results of any individual effort. We expect to cover for those who are sick, stretched, weak, fragile, on vacation, in training, or in trouble.

We seek to add value to all we do. We measure each other by what we contribute. We provide immediate, specific feedback on effectiveness. Everybody works.

Meet the practitioners

Pivot and Flare. Speed and judgment on every AI solution.

Two characters stand for how PhoenixTeam works with AI. One moves at the speed of the models. The other makes sure the outcome holds up, and can show its work.

Pivot, PhoenixTeam's robot practitioner character, waving
Four Years in the Making

Pivot

  • Practitioner
  • Chief Robot

Born in November 2022 when ChatGPT arrived, Pivot brings four years of experience finding and implementing AI solutions: the model that fits, the tool that connects it, and the workflow that runs on its own until a person needs to step in.

He is known for adapting at the speed of AI.

Flare, PhoenixTeam's phoenix practitioner character, in a navy hoodie
28 Years in the Making

Flare

  • Senior Practitioner
  • Chief Responsible AI Enthusiast

Flare was born from the experience of PhoenixTeam's three founders, who met in 2001 and have built and run mortgage and financial services technology together since. She brings that experience to every AI solution: good judgment, responsibility for the outcome, and a record that shows the work.

She is the reason Pivot's speed stays safe.