Marlin Mortgage Plans to Join the Bilt Neighborhood: Connecting Homeownership to Home Services and Neighborhood Benefits Through Bilt Neighborhood OS

The planned partnership would give homeowners more value and more options from their mortgage relationship, bringing mortgage payments, rewards, home services, and neighborhood benefits into one experience.

ST. PETERSBURG, Fla. — Nov. 10, 2026 — Marlin Mortgage Capital, LLC, together with its affiliate, Sailfish Servicing, LLC (collectively, “Marlin Mortgage” or “Marlin”), today announced that, subject to definitive agreements, it expects to partner with Bilt, the neighborhood commerce and rewards platform, through Bilt’s integration with Valon OS. Marlin has used Valon OS since 2021 as one of its first adopters and is one of its most significant users today. The proposed partnership supports Marlin’s goal of building a stronger relationship between homeowners and their mortgage — one that goes beyond making a payment or resolving an issue.

Bilt Neighborhood OS™ is an AI platform that helps businesses grow by reaching new customers and building loyalty through personalized experiences in their neighborhood. It connects the places people live with nearby restaurants, retailers, home service providers and more, giving businesses new ways to reach customers and keep them coming back. It gives homeowners a more connected experience with their neighborhood and enables them to unlock exclusive benefits nearby.

For neighborhood businesses, this partnership would open a new channel to reach nearby homeowners, turning a home repair, dinner reservation or neighborhood offer into the beginning of a lasting customer relationship.

“Servicing is a long-term relationship, and we are consistently focused on disciplined approaches to create additional value for the homeowners we serve. Bilt shares this long-term perspective, and the planned partnership would deepen our relationship with borrowers in more meaningful and sustained ways,” said Andrew Weber, Founder and CEO of Marlin.

One experience for the mortgage, the home and the neighborhood

Through Bilt, participating Marlin borrowers would have access to an experience that would bring together mortgage payments, Bilt’s AI Concierge, and a network of 50,000+ merchant partners, including restaurants, retailers, fitness studios, dry cleaners, and home service providers. Participation is optional and does not change the terms of a borrower’s mortgage or how it is serviced.

Homeowners would be able to use Bilt’s AI Concierge to book a home service, or reserve a table nearby. Personalized offers and benefits connect those everyday needs with businesses in their neighborhood, making Bilt useful throughout the month.

“A mortgage connects a company to a household for years. That is an extraordinary opportunity to deliver value every day,” said Ankur Jain, Founder and CEO of Bilt. “With Marlin, we’re working to connect that relationship to everything that makes a house a home: the services that help maintain it, the restaurants where families become regulars and the experiences that make them feel part of their neighborhood. Neighborhood OS brings those connections together, so an investment in a homeowner can also become growth for the businesses around them.”

To date, Bilt has delivered more than $1 billion in value to its 8 million members, who redeem rewards toward travel, housing payments, student loans, dining and more.

Enabling more opportunities for borrowers

Through Bilt Neighborhood OS, Marlin would be able to:

• Engage homeowners between payments with home services, personalized offers, and neighborhood benefits.

• Give borrowers more value by connecting them with rewards and experiences through Bilt.

• Build a relationship beyond the payment by connecting with borrowers outside of routine servicing interactions and making the servicing experience more rewarding.

• Connect neighborhood businesses with new customers by making relevant services and experiences part of the homeowner journey.

Together, Marlin and Bilt aim to make having a mortgage more rewarding for homeowners, at home and throughout their neighborhood.

About Marlin

Headquartered in St. Petersburg, FL, Marlin Mortgage is a residential mortgage servicing platform focused on acquiring, managing and servicing residential mortgage assets on behalf of institutional capital partners. Since 2020, Marlin Mortgage Capital, LLC, and its affiliate, Sailfish Servicing, LLC, have collectively acquired mortgage servicing rights on more than $78 billion in unpaid principal balance and today manage borrower servicing relationships on more than one hundred twenty five thousand loans. For more information, visit www.marlinmtg.com.

About Bilt

Launched in 2021, Bilt is the membership for where you live and the Neighborhood Operating System (OS) powering everything around it. More than 8 million members use Bilt to earn rewards on housing payments, build a path to homeownership, and redeem the highest value rewards currency on the market across travel, dining, fitness, sports, and more. With Neighborhood OS, the AI platform to help businesses grow through the neighborhood, Bilt connects multifamily property managers, travel advisors, sports organizations, and more than 50,000 merchants nationwide with nearby customers. Bilt powers 1 in 4 U.S. rental homes, including those in the Bilt Alliance, built with some of the nation’s largest owners and operators. For more information, visit www.bilt.com.

Marlin Licensing Information

Marlin Mortgage Capital, LLC (NMLS ID #1866663) and Sailfish Servicing, LLC (NMLS ID #2219167), 646 2nd Avenue S, St. Petersburg, FL 33701. Equal Housing Opportunity. For licensing information, visit www.nmlsconsumeraccess.org. This press release is provided for informational purposes only and is not an advertisement for, or an offer or solicitation of, any mortgage loan or other extension of credit.