Bee Mortgage App is the first eMortgage mobile app powered by VLO, a virtual loan officer, whose decision making/data validation protocol is executed via smart contracts processing on a decentralized blockchain network. Founded byÊCurtis Wood, Cynthia Wood, Matthew Offers, and Suzanne BearryÊinÊ2019,ÊBee Mortgage App is headquartered inÊJacksonville.