Fellowship Home Loans

What Fellowship Home Loans does

Fellowship Home Loans is a privately held, faith-based retail mortgage lender that operates as a branded division of Nationwide Mortgage Bankers, Inc. (NMLS# 819382). The company originates home purchase loans, refinances, home equity lines of credit and loans, VA and FHA loans, reverse mortgages, and specialty products including non-QM, physician, and vacation-home loans. It is licensed in 43+ states and operates physical branches in New York (Melville HQ and Rockville Centre), California (Huntington Beach), South Carolina (Mount Pleasant/Charleston), and Florida (Miami), supported by individual producing branch managers and loan officers.

The underlying platform combines a consumer-facing online application and rate-quote system with a traditional loan-management workflow and a proprietary Soft Lock rate-protection feature that allows borrowers to float down if rates fall during a lock period. The technology footprint is standard for a mid-sized retail mortgage originator: no public API, no developer integrations, no disclosed AI/ML capabilities. Differentiation is delivered at the product-marketing layer (faith-based positioning, "Guided by THE Book" branding) and through human loan-officer service rather than through technology.

Revenue is generated on a transaction-fee basis via mortgage origination fees, interest-rate spreads, and processing fees at closing across purchase, refinance, and home-equity products. Go-to-market blends a direct, sales-led branch model with a community-led channel (church outreach, charitable work with Angel Armies and De La Salle School) and an event/media-driven channel built around a "Friends of Fellowship" network of conservative media personalities (Mike Gallagher, Allie Beth Stuckey, Brett Cooper, Chris Weidman, AMAC, GoPlan101). Pricing is individualized per borrower based on credit profile, loan-to-value, debt-to-income, and prevailing rates, with no standardized public tiers. The company is not venture-backed, has no external funding rounds on record, and does not disclose revenue.

Name

Fellowship Home Loans

Legal name

Nationwide Mortgage Bankers, Inc.

Website

https://fellowshiphomeloans.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

101–250 employees

Short description

Fellowship Home Loans is a faith-based retail mortgage lender, operating as a division of Nationwide Mortgage Bankers, Inc. (NMLS# 819382), that originates purchase, refinance, HELOC, VA, FHA, and reverse mortgages for individual consumers and families across 43+ states.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

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

SIC

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

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA), Home Equity Loan/HELOC Servicing & Subservicing (FSALAGAD), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA), Call Center / Tele-Sales Mortgage Origination (FSALAAAC)

Keywords

• Residential mortgage lending
• Home purchase financing
• Mortgage refinance services
• Home equity lending
• VA loan origination

Headquarters

HQ city

Rockville Centre

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination: Revenue generated from originating home purchase mortgages, refinancing existing mortgages, and home equity products. Earnings come from origination fees, interest rate spreads, and processing fees charged at loan closing.
2. Refinance Loans: Revenue from refinancing existing mortgages, helping homeowners access better rates, terms, or extract equity from their properties.
3. Home Equity Products: HELOCs and home equity loans provide revolving and fixed-term credit lines secured by home equity, generating origination and ongoing interest revenue.
4. Reverse Mortgages: Specialized products for seniors allowing them to convert home equity into cash while retaining title to the property.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Fellowship Home Loans originates residential mortgage loans for individual consumers, offering purchase loans (conventional, FHA, VA, fixed-rate, ARM, non-QM, physician and vacation home programs), refinance loans (rate/term and cash-out), home equity products (HELOC and home equity loans), and HECM reverse mortgages for seniors. The company operates as a faith-based, faith-aligned division of Nationwide Mortgage Bankers, Inc. and provides personalized guidance from dedicated loan officers through branch, online, and phone channels across 43+ U.S. states.

Product overview

Fellowship Home Loans is a faith-based mortgage lending company operating as a division of Nationwide Mortgage Bankers, Inc. (NMLS# 819382). The company offers a comprehensive suite of mortgage products organized around three core categories: home purchase financing (Purchase Loans, FHA Financing, Fixed Rate Loans, VA Home Loans, and specialty programs for physicians and vacation homes), refinance solutions (Refinance Loans, Cash-Out Refinance), and home equity products (HELOC, Home Equity Loan, Reverse Mortgages). Additional offerings include Non-QM Mortgages for self-employed borrowers, a Community Lending Program with buyer incentives, and a Renters Can Buy Program. The company also provides a unique Soft Lock feature for rate protection with float-down capability. The product portfolio is designed to serve diverse borrowers from first-time homebuyers to seniors seeking reverse mortgages, united by the company's Christian principles approach to lending.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Loans Home purchase financing for buyers seeking to buy a property, offering various loan programs including conventional, FHA, and government-backed options. Targets individual homebuyers and families.
• Refinance Loans Mortgage refinancing products allowing homeowners to replace their existing loan with a new one for better rates, terms, or to extract equity. Targets existing homeowners.
• Home Equity Line of Credit (HELOC) A revolving credit line secured by the borrower's home equity, allowing flexible access to funds during a draw period with interest-only payments. Targets existing homeowners seeking flexible credit access.
• Home Equity Loan A lump-sum second mortgage using home equity, offering fixed interest rates and predictable monthly payments for one-time large expenses. Targets existing homeowners.
• Reverse Mortgage Financial product for seniors 62+ that converts home equity into cash without requiring monthly mortgage payments, with the loan repaid when the borrower leaves the home. Targets senior homeowners.
• VA Home Loans Veterans Affairs-backed mortgage loans offering no down payment and competitive rates for eligible veterans and their families. Targets active-duty service members, veterans, and their families.
• FHA Financing Federal Housing Administration loans providing safe and affordable financing options with lower credit score requirements and down payments as low as 3.5%. Targets borrowers needing flexible qualification.
• Fixed Rate Loans Conventional mortgages with interest rates that remain constant throughout the loan term, providing payment stability. Targets borrowers seeking predictable monthly payments.
• Adjustable Rate Loans (ARM) Mortgage products with interest rates that adjust over time, typically offering lower introductory rates for a fixed period before adjusting. Targets borrowers accepting rate variability in exchange for lower initial payments.
• Non-QM Mortgages Non-qualified mortgage products designed for self-employed borrowers, pastors, and business owners whose income does not fit standard W-2 templates. Targets self-employed and specialty-income borrowers.
• Physician & Medical Professional Loans Specialized mortgage programs tailored for medical professionals, including doctors and dentists, with flexible income documentation requirements. Targets physicians, dentists, and other medical professionals.
• Vacation Home Loans Mortgage financing for purchasing second homes and vacation properties, with specific loan programs designed for this segment. Targets buyers of second / vacation properties.
• Community Lending Program Homebuyer assistance program with preferred pricing, reduced payments, lender credits, and low down payments designed to make homeownership more affordable in eligible communities. Targets low- and moderate-income homebuyers in eligible communities.
• Renters Can Buy Program Program designed to help renters transition to homeownership by providing education and financing options for those who can afford rent but lack down payment savings. Targets renters aspiring to homeownership.
• Soft Lock (Rate Lock Float-Down) A mortgage rate lock with two-way float-down provision that protects borrowers from rate increases while allowing them to capture lower rates if the market improves during the lock period. A proprietary borrower-protection capability.

Quantifiable outcome

• 4.9/5 average rating based on 1085+ customer reviews
• +2 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Seven partnerships are on record, tiered minor and core.

• AMACminorGTM or Marketing PartnerAMAC (American Conservative Union) serves as a 'Friend of Fellowship' marketing partner, promoting Fellowship Home Loans to their conservative membership base. AMAC is a conservative membership organization providing benefits and advocacy for Americans 50+.
• Allie Beth StuckeyminorGTM or Marketing PartnerConservative media personality and commentator serving as a 'Friend of Fellowship' partner who promotes the company to her audience of followers.
• Brett CooperminorGTM or Marketing PartnerMedia personality and commentator serving as a 'Friend of Fellowship' partner who promotes the company through her media platforms.
• Mike GallagherminorGTM or Marketing PartnerRadio personality with nationally syndicated program who features Fellowship Home Loans and has worked with the company for extended period. Featured prominently on the website and radio programming.
• Chris WeidmanminorGTM or Marketing PartnerProfessional athlete (MMA fighter) and media personality serving as a 'Friend of Fellowship' partner who promotes the company to his fan base.
• GoPlan101minorGTM or Marketing PartnerFinancial planning/entertainment media brand serving as a 'Friend of Fellowship' partner promoting faith-based mortgage options.
• Nationwide Mortgage Bankers, Inc.coreOEM/ Whitelabel/ Licensing PartnerFellowship Home Loans operates as a registered DBA (Doing Business As) of Nationwide Mortgage Bankers, Inc. (NMLS# 819382), a licensed mortgage banker. This is the parent company relationship providing regulatory licensing, operational infrastructure, and brand framework under which Fellowship Home Loans operates as a faith-based branded division.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• loanDepot: Multi-channel retail mortgage lender offering purchase, refinance, HELOC, and reverse mortgages with both direct-to-consumer and partner channels. Comparable mid-market consumer mortgage positioning and similar product breadth make it a closely aligned peer to FHL.
• Guild Mortgage: Mid-size retail mortgage lender with multi-state branch network and full product suite including FHA, VA, USDA, conventional, non-QM, and reverse mortgages. Closely comparable to FHL in scale, branch-based distribution, and product breadth.
• CrossCountry Mortgage: Privately held, rapidly growing retail mortgage lender with a large distributed loan officer network across 40+ states. Highly comparable to FHL in retail-channel focus, multi-product offering, and national licensing footprint.
• Caliber Home Loans: Mid-size mortgage lender offering purchase, refinance, HELOC, non-QM, and specialty products through retail and correspondent channels. Closely aligned with FHL on product breadth and multi-channel origination model.
• Paramount Residential Mortgage Group (PRMG): Privately held retail mortgage lender offering a full product suite (conventional, FHA, VA, USDA, non-QM, HELOC) across 40+ states. Comparable mid-size scale, retail-channel orientation, and national licensing profile.
• Embrace Home Loans: Mid-size retail mortgage lender with a strong regional Northeast presence and multi-product offering including conventional, government, and HELOC products. Similar in scale, branch-supported distribution, and product breadth to FHL.
• Cardinal Financial: Mid-size retail and wholesale mortgage company offering purchase, refinance, FHA, VA, and non-QM products across a multi-state footprint. Comparable in product mix and retail-channel focus to FHL.

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage originator with a national digital-first platform offering purchase, refinance, and home equity products. Overlaps directly with FHL's product set but operates at materially greater scale with much larger brand and technology investment.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender operating primarily through a broker channel rather than direct retail. Comparable in mortgage product scope but materially larger scale and different primary go-to-market motion versus FHL.
• NewRez (Rithm Capital): National mortgage originator and servicer offering retail, wholesale, and correspondent channels with full product breadth. Overlaps FHL's core product set but operates within a much larger publicly-traded parent with servicing infrastructure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fhloans
• YouTubeyoutube.com/@fellowshiphomeloans
• Facebookfacebook.com/FellowshipHomeLoan
• LinkedInlinkedin.com/company/fellowship-home-loans
• Instagraminstagram.com/fellowshiphomeloans

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Fellowship Home Loans