RoundPoint Mortgage Servicing
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.
- Company typePrivate
- Founded2007
- HeadquartersFort Mill, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
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.
RoundPoint Mortgage Servicing firmographics
Firmographics- 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
RoundPoint Mortgage Servicing industry classification
Industry- 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
Where RoundPoint Mortgage Servicing is headquartered
LocationHeadquarters
- HQ city
- Fort Mill
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
RoundPoint Mortgage Servicing business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- 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.
- 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.
- 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.
- Loss Mitigation Services: RoundPoint provides loss mitigation services including loan modifications, forbearance arrangements, repayment plans, and foreclosure alternatives to help borrowers avoid default.
- Insurance Referral Partnership: RoundPoint partners with Matic Insurance to provide homeowners insurance quotes to customers, generating referral revenue from the partnership.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Origination Fee: $685 – $995 one-time fee |
| Unit Pricing | Pay-as-you-go | Appraisal Fees: $0 – $2,000 |
| Unit Pricing | Pay-as-you-go | Assumption Fee: $0 – $900 |
| Other | Monthly | Late Charge Fee: Varies |
| Unit Pricing | Pay-as-you-go | Foreclosure Fees: $0 – $10,000 |
| Unit Pricing | Pay-as-you-go | Bankruptcy Fees: $0 – $5,000 |
| Unit Pricing | Pay-as-you-go | Recast Fee: $0 – $300 |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels7 records
RoundPoint Mortgage Servicing product offering
Product offeringCore 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
Companies that use RoundPoint Mortgage Servicing
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
RoundPoint Mortgage Servicing technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature4 records
RoundPoint Mortgage Servicing partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered flagship and minor.
- TWO (Two Harbors Investment Corp)flagshipRoundPoint 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 InsuranceminorRoundPoint 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 ForestsminorRoundPoint 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 MortgageflagshipIn 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
RoundPoint Mortgage Servicing competitors and assessment
Company assessmentDirect 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
RoundPoint Mortgage Servicing social profiles
Digital presenceRoundPoint Mortgage Servicing compliance and trust
Trust signalCompliance7 records
RoundPoint Mortgage Servicing financial estimates
Financial estimateRevenue estimate
Valuation estimate
RoundPoint Mortgage Servicing leadership team
Management profileNumber of profiles
Profiles3 records
RoundPoint Mortgage Servicing funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RoundPoint Mortgage Servicing M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about RoundPoint Mortgage Servicing
What does RoundPoint Mortgage Servicing do?
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.
Is RoundPoint Mortgage Servicing a public or private company?
RoundPoint Mortgage Servicing is a private company. It is classified as corporate owned and is currently operating.
When was RoundPoint Mortgage Servicing founded?
RoundPoint Mortgage Servicing was founded in 2007. It employs 501 to 1,000 people.
Where is RoundPoint Mortgage Servicing based?
RoundPoint Mortgage Servicing is headquartered in Fort Mill, United States, in the North America region.
How does RoundPoint Mortgage Servicing make money?
Five revenue lines are on record. Mortgage Servicing is the primary driver. The others are mortgage Origination, sub-servicing, loss Mitigation Services and insurance Referral Partnership.
Who are RoundPoint Mortgage Servicing's main competitors?
Direct peers on record are LoanDepot, Dovenmuehle Mortgage, Mr. Cooper, Nationstar Mortgage (Mr. Cooper subsidiary), NewRez (formerly New Penn Financial), Caliber Home Loans, ServiceMac, PHH Mortgage and Cenlar FSB. Rocket Mortgage is listed as a broad incumbent.
Does RoundPoint Mortgage Servicing have an API?
No public API is recorded for RoundPoint Mortgage Servicing.
What industry is RoundPoint Mortgage Servicing in?
RoundPoint Mortgage Servicing's product category is Mortgage Servicing and Origination. Its primary akta.pro industry code is FSALAEAA, Prime (Agency/Conforming) Mortgage Servicing, with a secondary code of FSALAEAG, Loss Mitigation & Home Retention Servicing (Modifications/Forbearance/Repayment Plans). Its NAICS code is 522292 and its SIC code is 6162.