What Security Home Mortgage does

Security Home Mortgage (SHM) is a Utah-based retail mortgage lender founded in 1999 by Jon Chamberlain, currently operating as an independently operated subsidiary of Capital Community Bank (CCBank) following CCBank's May 2024 acquisition. The company originates residential mortgage products — including conventional, FHA, VA, USDA, jumbo, HELOC, reverse mortgage, construction, professional portfolio, doctor, and alternative financing loans — through 90+ in-house loan officers across three Utah branches (Orem HQ, Lehi, South Jordan) and an Encompass/Ellie Mae-powered online borrower portal. Revenue is generated almost entirely through transactional origination fees and rate margins on closed loans, with no disclosed subscription or recurring component.

The core technology stack combines the Encompass loan-origination platform (idp.elliemae.com) for application intake, document upload, and status tracking with fully in-house processing, underwriting, closing, and funding — an operational model SHM cites as enabling a 29-day average closing time versus the 47-day national average. Distribution is multi-channel: direct loan-officer sales (90+ officers), preferred-lender partnerships with Berkshire Hathaway HomeServices Elite Real Estate and the Foyer first-time-homebuyer fintech, and a joint Builder Lending Group with CCBank for dirt-to-term construction financing. Specialty products (Doctor Loan up to 97% LTV, Professional Portfolio Mortgage up to 100% LTV, Alternative Financing for self-employed borrowers, Reverse Mortgage for 62+ homeowners) address borrower segments underserved by national lenders.

SHM serves primarily Utah homebuyers and homeowners along the Wasatch Front, with over 65% of origination volume coming from repeat customers or referrals — a relationship-driven, sales-led GTM backed by local Utah brand heritage, founder-led leadership continuity (Chamberlain as President, Charles Green as VP), and CCBank's ~$871M balance-sheet backing. The business is currently being rebranded to Accordia Mortgage under the CCBank parent, with signals pointing toward expansion across the broader Western United States via CCBank's six-branch footprint and new digital partnerships.

Name

Security Home Mortgage

Legal name

Security Home Mortgage, Inc.

Website

https://securityhomemortgage.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

101–250 employees

Short description

Security Home Mortgage is a Utah-based retail mortgage lender (founded 1999, now a CCBank subsidiary) that originates purchase, refinance, HELOC, construction, reverse, and specialty loans via 90+ in-house loan officers across three Utah branches and digital channel partners.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292), Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Rate-and-Term Refinance Origination (FSALAAAE), Cash-Out Refinance Origination (FSALAAAF), First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA), Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

Keywords

• Residential mortgage lending
• Home refinancing services
• Construction lending programs
• Reverse mortgage services
• Jumbo loan programs

Headquarters

HQ city

Orem

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination — Purchase Loans: Revenue generated from originating home purchase mortgages across all loan programs including conventional, FHA, VA, USDA, jumbo, construction, and specialty products. Origination fees and interest rate margins are the primary revenue drivers.
2. Refinance Mortgages: Revenue from refinancing existing mortgages, including rate/term refinances and cash-out refinances. The company's in-house processing enables quick turnarounds.
3. Home Equity Line of Credit (HELOC): HELOC products allowing homeowners to draw against home equity as needed, paying interest only on drawn amounts.
4. Builder / Construction Lending: Construction loans, land loans, and permanent financing for homebuilders and buyers, facilitated through the Builder Lending Group partnership with CCBank.
5. Professional Portfolio Mortgage: Specialty mortgage product for licensed professionals (doctors, lawyers, engineers, etc.) with up to 100% financing on loans $250K–$1.5M, generating origination revenue.
6. Commercial Lending: Commercial real estate financing for developers, contractors, and investors covering multi-family, retail, and community development projects.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

Security Home Mortgage originates residential mortgage loans for purchase, refinance, home equity, construction, and reverse mortgage needs, with all processing, underwriting, closing, and funding performed in-house at its Utah headquarters. The company offers a broad menu of loan programs (conventional, FHA, VA, USDA, jumbo, construction, reverse, HELOC, Doctor Loan, Professional Portfolio Mortgage, Alternative Financing, No Down Payment, and Energy Efficient) supported by an Encompass/Ellie Mae-powered online borrower portal.

Product overview

Security Home Mortgage offers a comprehensive mortgage lending platform with multiple specialized loan products designed for different borrower profiles. The core offerings include conventional purchase and refinance mortgages alongside specialized programs such as Reverse Mortgage for seniors 62+, Doctor Loan for medical professionals, Professional Portfolio Mortgage for licensed professionals, Alternative Financing for self-employed borrowers, and construction financing through Dream Home Loan and Builder Lending Group. Additional products include Home Renovation Loan, 5% Down Jumbo Loan, No Down Payment Loan, Homestyle Energy Loan, Security Plus Approval for rapid closings, and HELOC for home equity access. The company positions itself as a one-stop mortgage shop with in-house processing, underwriting, and closing services, operating as a subsidiary of CCBank since May 2024.

Differentiator

Problem solved

Functional benefit

Brands

• Builder Lending Group: A joint CCBank and SHM team providing dirt-to-term financing for homebuilders, combining land loans, construction loans, and final mortgages.
• Security Plus Approval
• Doctor Loan
• Professional Portfolio Mortgage

Products and services

• Reverse Mortgage

Quantifiable outcome

• 29-day average closing time vs. 47-day national average
• +2 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered flagship, minor and core.

• Builder Lending Group (CCBank/SHM Joint Entity)flagshipStrategic or Co-development Partner · 1 January 2026A joint team combining CCBank and SHM capabilities to offer dirt-to-term financing for homebuilders and buyers. Covers land loans, construction loans, and permanent mortgages under one team with consistent communication, weekly status updates, and quick local decisions. Team members include Jeff Wright (Director of Residential Lending), Mike Draper (VP/Loan Officer), Alex White (Lending Specialist), Charles Green, Kyelend Gornichec, Melanie Swenson, Charissa Ferre, and Kellan Ranstrom.
• Utah's Children First Education Fund (CFEF)minorOthers · 22 May 2025CCBank and SHM jointly contributed $200,000 to Utah's Children First Education Fund (CFEF), a 501(c)(3) nonprofit supporting school choice for students with disabilities. This follows a prior year's contribution and reflects the companies' commitment to Utah community development. The CFEF was championed by the 2019 Carson Smith Opportunity Scholarship legislation.
• FoyercoreStrategic or Co-development Partner · 18 April 2025Strategic partnership announced April 18, 2025, integrating SHM's mortgage lending with Foyer's first-time homebuyer savings platform. Foyer is a fintech (founded 2022) offering a First Time Homebuyer Savings Account (FHSA) with high-yield interest, down payment matches (up to $600/year), and mortgage simulation tools. SHM loan officers are embedded as Foyer's preferred lending partner, enabling seamless transition from savings to mortgage application. Banking services for Foyer accounts are provided by Pacific West Bank, Member FDIC.
• Berkshire Hathaway HomeServices Elite Real EstateflagshipStrategic or Co-development Partner · 1 January 2025SHM is the preferred lender for Berkshire Hathaway HomeServices Elite Real Estate. The partnership provides on-site mortgage support at Berkshire offices with dedicated loan officers (Bliss Sawyer as VP of Lending, Jason Christiansen as Associate Lending Manager, Tyson Cook as Loan Partner). Berkshire agents and their buyers receive priority access to SHM's loan products including conventional, VA, FHA, professional, jumbo, and refinancing solutions.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• United Wholesale Mortgage: Largest U.S. wholesale mortgage lender, focused on the broker channel rather than direct retail. Indirectly comparable as a major originator in the same product categories (purchase, refi, government) with overlapping partners in the Utah market.

Direct peers

• New American Funding: Retail mortgage lender with a broad product portfolio including specialty offerings for diverse borrowers. Comparable to SHM in branch-based retail origination, product breadth, and focus on underserved borrower segments.
• loanDepot: National retail mortgage lender with branch locations and direct-to-consumer online origination. Competes with SHM across purchase, refinance, and HELOC, including specialty products, with a similar retail/LO-driven GTM.
• Rocket Mortgage: Largest direct-to-consumer mortgage lender in the U.S., originating purchase and refinance mortgages nationwide through a digital-plus-loan-officer model. Directly comparable in product mix (conventional, FHA, VA, jumbo, HELOC) and retail origination motion.
• PrimeLending: Retail mortgage lender operating through a national branch network of loan officers, offering purchase, refinance, and specialty products. Comparable in retail branch model and full-stack origination capabilities.
• Paramount Residential Mortgage Group: Retail mortgage lender with branch-based loan officer origination across the western U.S. Directly comparable to SHM in product mix, regional retail focus, and relationship-driven acquisition.
• Guild Mortgage: Retail mortgage lender with a regional branch model and broad product set including FHA, VA, USDA, and specialized products. Closely comparable to SHM's in-house processing approach and LO-led relationship origination.
• CrossCountry Mortgage: Retail mortgage lender rapidly expanding its branch network with a loan-officer-centric acquisition model. Directly comparable to SHM in retail purchase/refi origination, product breadth, and relationship-driven GTM.
• Fairway Independent Mortgage: Retail-focused mortgage lender operating through a large branch network of loan officers, with a relationship-driven sales motion similar to SHM and broad product coverage including conventional, government, and specialty loans.
• Movement Mortgage: Retail mortgage lender with branch offices and a loan-officer-led model emphasizing fast closings and community engagement. Comparable to SHM in operational positioning around speed and relationship-based origination.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@HopeAcrosstheUSA
• Facebookfacebook.com/blisssawyer
• Instagraminstagram.com/blisssawyer

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Security Home Mortgage