Home Solution Lenders Inc

What Home Solution Lenders Inc does

Home Solution Lenders Inc, doing business as 'HSL Powered by Annie Mac Home Mortgage,' is a privately held retail mortgage lender founded in 2008 and based in Bartow, Florida. The company is not an independent originator in the conventional sense: it operates as a branded branch under American Neighborhood Mortgage Acceptance Company LLC (dba AnnieMac Home Mortgage), a Mount Laurel, New Jersey-based retail mortgage lender that holds NMLS ID# 338923 and the underlying state licensing framework. Home Solution Lenders has 1-10 employees, including six individually licensed Mortgage Loan Originators (Kimberly Dudley, Karrie Holman, Emilie Oakes, Correa Jean James, Gina Walker, and Lorie Bakatselos). Its sole product is residential mortgage origination, covering both home-purchase financing and refinancing, delivered direct-to-consumer.

The company's technology footprint is entirely inherited. Loan applications are captured and processed through AnnieMac's Simple Nexus HomeHub platform and annie-mac.com application portals; no proprietary technology, APIs, integrations, or AI features are built or owned by Home Solution Lenders. Customer acquisition is similarly lightweight: a basic GoDaddy-hosted marketing website (hslenders.com) with individual loan-officer profiles, a single contact number ((863) 607-4663), and outbound directs to the parent's online application. There is no app, no disclosed social presence, and no data on lead generation cost or conversion economics.

Commercially, Home Solution Lenders is a transaction-based originator: revenue, to the extent any is recognized at the branch level, is driven by origination fees and interest income on closed mortgage loans generated by its six MLOs in the Florida market. Pricing (rates and fees) is not publicly disclosed and is set individually per borrower. No funding rounds, M&A, leadership changes, regulatory actions, or strategic milestones beyond the original white-label arrangement with AnnieMac are documented. In effect, the entity functions as a regional retail production channel for a larger multi-state mortgage lender rather than as an independent operating business.

Name

Home Solution Lenders Inc

Legal name

American Neighborhood Mortgage Acceptance Company LLC

Website

https://hslenders.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Home Solution Lenders Inc is a small Florida-based retail mortgage lender operating as a branded branch ('HSL Powered by Annie Mac Home Mortgage') under American Neighborhood Mortgage Acceptance Company LLC, providing home-purchase and refinance loans to individual consumers through six licensed Mortgage Loan Originators.

Ownership category

akta.pro rank

Product category

Retail Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industry

Cash-Out Refinance Origination (FSALAAAF)

Keywords

• Retail mortgage lending
• Residential loan origination
• Home purchase financing
• Mortgage refinancing services
• Licensed loan originators

Headquarters

HQ city

Bartow

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Lending: Home Solution Lenders generates revenue through originating mortgage loans for home buyers. As a retail mortgage lender operating under AnnieMac Home Mortgage brand, the company earns origination fees and interest income from closed mortgage loans. Revenue is transaction-based, driven by loan volume and interest rates.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Home Solution Lenders Inc originates residential mortgage loans for individual consumers seeking to purchase or refinance homes. Operating as a branded branch of AnnieMac Home Mortgage, the company delivers loan origination services through six licensed Mortgage Loan Originators (Kimberly Dudley, Karrie Holman, Emilie Oakes, Correa Jean James, Gina Walker, and Lorie Bakatselos) and processes applications via the SimpleNexus HomeHub and AnnieMac online platforms. Revenue is generated through origination fees and interest income on closed loans, with rates and terms set through personalized loan officer consultation.

Product overview

Home Solution Lenders Inc (dba AnnieMac Home Mortgage) operates as a retail mortgage lender providing home financing solutions through a network of licensed Mortgage Loan Originators. The company offers mortgage application services facilitated by individual loan officers including Kimberly Dudley, Karrie Holman, Emilie Oakes, Correa Jean James, Gina Walker, and Lorie Bakatselos, each holding individual NMLS licenses. The core offering consists of mortgage loan origination services connected to the AnnieMac Home Mortgage platform, with applications processed through SimpleNexus and AnnieMac's proprietary application portals.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Lending Services

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• AnnieMac Home Mortgage (American Neighborhood Mortgage Acceptance Company LLC)coreOEM/ Whitelabel/ Licensing PartnerHome Solution Lenders operates as 'HSL Powered by Annie Mac Home Mortgage.' The company is a branded branch of American Neighborhood Mortgage Acceptance Company LLC, which provides the licensing framework (NMLS ID 338923), operational infrastructure, digital platforms (Simple Nexus), and regulatory approvals enabling HSLenders to function as a retail mortgage lender. This is a white-label/branded partnership where HSLenders operates under the AnnieMac brand with shared technology and compliance infrastructure.

Scale indicators1 record

Recent moves1 record

Broad incumbents

• AnnieMac Home Mortgage: HSLenders' direct parent company (American Neighborhood Mortgage Acceptance Company LLC), a privately held retail mortgage lender operating across multiple states. Most directly comparable as the platform through which HSLenders originates all of its loans.
• Rocket Mortgage: Largest U.S. mortgage lender by volume, offering direct-to-consumer purchase and refinance originations nationally. Represents the large-scale competitive incumbent against which small branch lenders like HSLenders must differentiate.
• loanDepot: Large retail and direct-to-consumer mortgage lender offering purchase, refinance, and HELOC products nationally. Comparable to HSLenders in product mix but operating at vastly greater scale and brand recognition.
• United Wholesale Mortgage: Largest U.S. wholesale mortgage lender and major retail originator through its UWM and Rocket Pro TPO channels. Relevant peer given Florida retail broker/lender competition and HSLenders' exposure to broker-channel pricing dynamics.
• NewRez: Major non-bank mortgage lender offering retail and wholesale origination across the U.S. Comparable to HSLenders as a non-depository originator focused on purchase and refinance products, though at materially larger scale.

Direct peers

• CrossCountry Mortgage: One of the largest independent retail mortgage lenders in the U.S., operating a branch-based model with individually-licensed loan officers. Highly comparable to HSLenders' relationship-driven, retail-direct origination model, but at national scale.
• Fairway Independent Mortgage: Retail-focused mortgage lender with a network of branch offices staffed by individually-licensed loan officers, similar in model to HSLenders' high-touch, consumer-direct approach to purchase and refinance originations.
• Guaranteed Rate: Mid-to-large retail mortgage lender combining branch-based loan officers with digital tools, directly comparable to HSLenders' blend of named MLOs and SimpleNexus digital infrastructure.
• Cardinal Financial: Mid-sized retail mortgage lender operating through branch networks with licensed loan officers, closely comparable in business model to HSLenders as a regional purchase and refinance originator.

Emerging players

• Better.com: Digital-first mortgage lender pursuing direct-to-consumer purchase and refinance originations with a technology-heavy model. Represents the emerging digital-native competitor targeting the same Florida consumer base that HSLenders serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/hslenders

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

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 Home Solution Lenders Inc