Where mortgage outcomes are decided loan by loan.

Caneel Asset Management works the parts of the mortgage business that decide the economics — the delinquent tail, the workout, the MSR book, and the transaction. Analytics, operations, and advisory, built on three decades originating, servicing, and trading government and conventional mortgage assets.

What we do Contact us

What we do

Four practices. One asset class.

Every practice works the same ground — loan-level mortgage credit — so what the models learn informs the workout, the workout informs the valuation, and the valuation informs the deal.

Predictive servicing analytics

Six governed machine-learning models covering the delinquency lifecycle — who misses next month, who to reach first, which workouts hold, and what next month’s advances cost — scored every business day and delivered through our analytics business, Hypothetix.

Visit hypothetix.ai →

Default servicing & loss mitigation

Outsourced default management for government and conventional books: delinquent FHA, VA and USDA workout at agency cadence, and deep non-performing tail resolution. Operations built to bring issuer delinquency ratios back inside program thresholds — and keep them there.

MSR & whole loan advisory

MSR valuation and fair-value challenge, bid tape analysis, whole loan and delinquent-tail dispositions, and EBO strategy — specialized in the sub-scale and mid-size pools where pricing dispersion is widest and loan-level work changes the clearing price.

M&A & transaction advisory

Sell-side preparation and execution support for mortgage platforms: positioning and marketing materials, diligence and data room management, valuation defense, and negotiation support from indication of interest through close.

Data stewardship

Your data stays yours.

A dedicated database per client. Separate principals, separate permissions, separate audit trail — on Microsoft Azure, in a tenant Caneel controls.
Loan records are never pooled or shared. Only de-identified training data crosses the line, so models learn payment patterns no single book is large enough to show — and are then calibrated and validated on each client’s own loans.
Evidence, not assurances. Permissions printouts, namespace listings, and an isolation binder ship with the platform.

Azure SQL and Azure ML only · no third-party AI service in the data path · SOC 2 in progress

The firm

Operators first.

Caneel Asset Management was built from the inside of the mortgage business — three decades across many shops and many books: bank and nonbank, origination and servicing, performing portfolios and deeply distressed tails, and the capital markets desks that price them. The analytics exist because we needed them in our own operations; the advisory work carries the same loan-level discipline into the valuation and the deal.

Email

compliance@caneelsolutions.com

Office

103 Route 70 E, Suite 2A
Marlton, New Jersey 08053