RoundPoint Mortgage Servicing

What RoundPoint Mortgage Servicing does

RoundPoint Mortgage Servicing LLC is a non-bank mortgage lender and servicer founded in 2007 and headquartered in Fort Mill, South Carolina, with a secondary office in Coppell, Texas. The company operates an integrated mortgage platform spanning two primary lines: (1) origination of purchase loans, refinance loans, and home equity products (HELOCs and home equity loans) sold through direct-to-consumer channels; and (2) servicing of mortgage loans on behalf of investors including GSEs such as Fannie Mae and Freddie Mac. RoundPoint services approximately 1 million American homeowners and is recognized as one of the top conventional mortgage servicers in the country.

The company's core technology is the You Are Home™ digital servicing platform, delivered via a secure web portal and native iOS and Android applications, which enables one-time and recurring payments, statement access, document download, and self-service loan management. Adjacent tools include the Loan Solution Center for mortgage assistance applications, interactive mortgage and home equity calculators, an Education Hub, and a comprehensive forms library. RoundPoint integrates with MoneyGram for cash payments, Matic Insurance for homeowners insurance referrals, and the FEMA app for disaster resources. The company holds consumer credit, mortgage broker/lender/servicer, and collection agency licenses across all 50 U.S. states, D.C., Puerto Rico, and the U.S. Virgin Islands, and is NMLS-registered (ID 18188).

RoundPoint generates revenue through multiple streams: recurring servicing fees on its portfolio, one-time origination fees ($685–$995 per loan), subservicing fees paid by MSR investors under its parent TWO (Two Harbors Investment Corp), loss mitigation professional services (forbearance, modification, short sale administration), and affiliate referral revenue from the Matic insurance partnership. The company was acquired by TWO, an MSR-focused NYSE-listed REIT with over $200 billion UPB of MSR, in 2023. In March 2026, CrossCountry Mortgage announced an agreement to acquire TWO for $10.80 per share in cash, a transaction expected to close in the second half of 2026 that would integrate RoundPoint's servicing platform with CrossCountry's retail origination business.

Name

RoundPoint Mortgage Servicing

Legal name

RoundPoint Mortgage Servicing LLC

Website

https://roundpointmortgage.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

501–1,000 employees

Short description

RoundPoint Mortgage Servicing is a non-bank mortgage lender and servicer, founded in 2007 and headquartered in Fort Mill, SC. Operating under parent Two Harbors Investment Corp, it originates purchase, refinance, and home equity loans, and services approximately 1 million American homeowners via its You Are Home™ digital platform.

Ownership category

akta.pro rank

Product category

Mortgage Servicing and Origination

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Prime (Agency/Conforming) Mortgage Servicing (FSALAEAA)

akta.pro secondary industries

Loss Mitigation & Home Retention Servicing (Modifications/Forbearance/Repayment Plans) (FSALAEAG), Reverse Mortgage Technology & Compliance (LOS/CRM/HECM Calculators) (FSALAIAI), Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA), Reverse Mortgage Servicing & Subservicing (FSALAIAC), Government-Insured/Guaranteed Loan Servicing (FHA/VA/USDA) (FSALAEAC), Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

Keywords

• Mortgage servicing
• Mortgage origination
• Home equity loans
• Loan subservicing
• Loss mitigation

Headquarters

HQ city

Fort Mill

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Mortgage Servicing: RoundPoint services mortgage loans on behalf of investors (including GSEs like Fannie Mae and Freddie Mac), collecting monthly payments, managing escrow accounts, and handling customer inquiries. Revenue is generated through servicing fees paid by investors based on the serviced portfolio.
2. Mortgage Origination: RoundPoint originates new mortgage loans for home purchases and refinances, generating origination fees from borrowers. The company offers purchase loans, refinance loans, and home equity products.
3. Sub-servicing: RoundPoint provides sub-servicing services to other MSR investors, handling loan servicing on their behalf under the TWO/RoundPoint partnership structure. This allows MSR investors to leverage RoundPoint's servicing infrastructure.
4. Loss Mitigation Services: RoundPoint provides loss mitigation services including loan modifications, forbearance arrangements, repayment plans, and foreclosure alternatives to help borrowers avoid default.
5. Insurance Referral Partnership: RoundPoint partners with Matic Insurance to provide homeowners insurance quotes to customers, generating referral revenue from the partnership.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels7 records

Core offering

RoundPoint Mortgage Servicing LLC is a non-bank mortgage lender and servicer that originates residential mortgage loans (purchase, refinance, and home equity loans/HELOCs) and services approximately one million American homeowner loans on behalf of investors including GSEs such as Fannie Mae and Freddie Mac. The company also provides institutional sub-servicing for MSR (mortgage servicing rights) investors through its parent Two Harbors Investment Corp, and operates the You Are Home™ digital platform (web and mobile) for loan management, payments, and loss mitigation.

Product overview

RoundPoint Mortgage Servicing LLC is a non-bank mortgage servicer and residential home loan lender founded in 2007, acquired by TWO (Two Harbors Investment Corp) in 2023. The company operates a unified mortgage platform spanning two core service lines: (1) Mortgage Origination offering purchase loans, refinance loans, and home equity products (HELOCs and home equity loans); and (2) Mortgage Servicing featuring the You Are Home™ digital platform (online account and mobile app) for payments, account management, insurance resources, mortgage assistance, and loss mitigation options. The company also offers subservicing services for MSR investors and provides educational tools including mortgage calculators and an Education Hub. RoundPoint serves nearly 1 million American homeowners and maintains offices in Fort Mill, SC and Coppell, TX.

Differentiator

Problem solved

Functional benefit

Brands

• You Are Home™: Online mortgage management platform and mobile app for customers to make payments, check balances, and access loan servicing options.

Products and services

• Purchase Loans

Quantifiable outcome

• Fannie Mae STAR Performer recognition in General Servicing, Solution Delivery, and Timeline Management
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Four partnerships are on record, tiered flagship and minor.

• TWO (Two Harbors Investment Corp)flagshipStrategic or Co-development Partner · 1 January 2023RoundPoint was acquired by TWO (Two Harbors Investment Corp, NYSE: TWO) in 2023. TWO is an MSR-focused REIT with over $200 billion UPB of MSR through subsidiary TH MSR Holdings LLC. The partnership creates an integrated mortgage company combining CrossCountry's retail origination business with TWO's MSR portfolio and RoundPoint's servicing platform.
• Matic InsuranceminorGTM or Marketing PartnerRoundPoint partnered with Matic Insurance to provide homeowners insurance quotes to customers through their platform. Matic provides instant access to personalized quotes from 60+ A-rated carriers. Thousands of RoundPoint customers have used Matic for their homeowner insurance needs.
• American ForestsminorGTM or Marketing PartnerRoundPoint partners with American Forests to plant trees for every account that switches to paperless (eDeliverv) billing. This environmental initiative supports reforestation efforts as part of RoundPoint's sustainability commitment.
• CrossCountry MortgageflagshipStrategic or Co-development PartnerIn March 2026, CrossCountry Mortgage (through affiliate CrossCountry Intermediate Holdco LLC) agreed to acquire TWO (Two Harbors Investment Corp) for $10.80 per share. The deal will combine CrossCountry's retail mortgage origination business with TWO's MSR portfolio and RoundPoint's servicing platform, creating an integrated mortgage company. RoundPoint's servicing platform is part of the combined entity's servicing capabilities.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• LoanDepot: Large non-bank retail lender and servicer with both origination and servicing capabilities. Comparable integrated platform model with focus on purchase, refinance, and HELOC products similar to RoundPoint's offerings.
• Dovenmuehle Mortgage: Independent mortgage subservicer focused on agency and non-agency MSR. Direct competitor in the subservicing segment, offering similar institutional-quality servicing for MSR investors.
• Mr. Cooper: Largest non-bank mortgage servicer in the US, servicing ~$1.5T+ UPB for agency and non-agency MSR. Direct competitor to RoundPoint in conforming servicing, subservicing, and loss mitigation; most comparable on scale, GSE recognition, and MSR subservicing mandate.
• Nationstar Mortgage (Mr. Cooper subsidiary): Retail and wholesale mortgage originator that historically operated as a non-bank servicer before being absorbed into Mr. Cooper. Comparable origination + servicing model overlapping RoundPoint's purchase, refi, and HELOC product suite.
• NewRez (formerly New Penn Financial): Non-bank mortgage servicer and lender owned by Shelter Acquisition Corporation I; services agency MSR and offers subservicing. Direct competitor in the same conventional mortgage servicing and subservicing market as RoundPoint.
• Caliber Home Loans: Non-bank mortgage servicer and lender focused on purchase, refinance, and HELOC products. Direct competitor to RoundPoint in origination channels and in servicing retained MSR.
• ServiceMac: Specialty subservicer focused on MSR subservicing for institutional investors. Direct competitor to RoundPoint's subservicing business, particularly for third-party MSR mandates.
• PHH Mortgage: Non-bank mortgage servicer owned by Ocwen; specializes in agency MSR servicing and subservicing with strong loss mitigation capabilities. Comparable to RoundPoint's servicing, subservicing, and modification operations.
• Cenlar FSB: Federally chartered thrift focused exclusively on mortgage subservicing for banks, credit unions, and GSE MSR investors. Direct competitor to RoundPoint in third-party subservicing mandates.

Broad incumbents

• Rocket Mortgage: Largest US mortgage originator and a significant servicer, owned by Rocket Companies (NYSE: RKT). Competes with RoundPoint in direct-to-consumer origination and increasingly in servicing; broader scale and brand but similar product set and D2C motion.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/RoundPointMortgage
• LinkedInlinkedin.com/company/roundpoint-financial-group

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RoundPoint Mortgage Servicing