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Case Study: Vontive cuts loan-eligibility calculation time 98.15% with Materialize

Vontive Case StudySourced & dated by Case Study Desk
Key facts · TL;DR
Company
Vontive
Industry
Financial Services
Challenge
Underwriting rules in Google Docs and Sheets that would not scale
Headline result
A SQL underwriting engine on Materialize runs 170 rules with sub-second latency

Key results

98.15%
Faster eligibility calculation
27s to 0.5s
70%
More SQL underwriting rules
100 to 170 rules
0.5s
Loan determination time
From 27 seconds

The challenge

Vontive's mortgage underwriting rules lived in a 23-page document and were operationalized through Google Sheets, creating accuracy and scaling problems. On PostgreSQL, performance degraded significantly as the team approached 100 SQL rules.

The solution

Vontive migrated the rules to Materialize, using its streaming architecture, PostgreSQL compatibility, and change data capture to execute 170 SQL underwriting rules with sub-second latency.

“Our success was pretty head-spinning. It didn't take long to set up Materialize, and once we did, we saw loan determination times drop to half a second.”

WR
Wolf Rendall
Director of Data Products, Vontive

The results, in context

Loan-eligibility rule calculation time fell 98.15%, from 27 seconds to half a second, while the team increased SQL underwriting rules 70%, from 100 to 170 rules.

Products used

Materialize Materialize