Cambria Mortgage

What Cambria Mortgage does

Cambria Mortgage is a private, family-owned residential mortgage lender headquartered in Eden Prairie, Minnesota, founded in 2008 and operating as an Equal Housing Lender under NMLS# 322798. The company is owned and operated by the same family that owns Cambria (CambriaUSA), an industry-leading manufacturer of natural quartz surfaces, creating a co-branding advantage that extends into its renovation financing product. Cambria Mortgage originates and services home purchase loans, rate-and-term and cash-out refinances, and government-backed loans (FHA, VA, USDA), as well as specialty products including FHA 203(k) renovation loans and reverse mortgages for borrowers aged 62 and older. A separate consumer finance program, Finance by Cambria, extends unsecured renovation loans up to $75,000 through participating Cambria dealers for kitchen and bath remodels featuring Cambria quartz surfaces.

The company's core technology is a mobile-first loan origination platform. The Cambria Mortgage Mobile App, launched in 2022, enables consumers to begin a loan application in as little as five minutes, with cross-device completion, encrypted document capture via phone camera, real-time status push notifications, and built-in mortgage calculators; the firm claims loans close approximately 20% faster than its prior baseline as a result of these technology investments. Supporting digital tools include a payment calculator, a rent-vs-own calculator, and a debt consolidation calculator on the company website, and a co-branded version of the app is available to realtor and builder partners. All loans are serviced in-house at the Eden Prairie operations center, in contrast to competitors that ship servicing out of state.

Cambria Mortgage generates revenue primarily through transaction-based origination fees, interest rate spreads, and closing costs on mortgage origination volume. Pricing is quote-based and varies by borrower creditworthiness, loan type, and market conditions, with no-closing-cost options available on refinance products. The go-to-market motion is sales-led and direct-to-consumer, anchored by a team of more than 30 local Mortgage Consultants averaging more than 12 years of industry experience, augmented by referral channels through builders, realtors, and partner co-marketing. Distribution is regional and concentrated in the Upper Midwest, with branch offices in Burnsville, Eden Prairie, Owatonna, and West St. Paul (Minnesota), Fargo (North Dakota), and Buckeye (Arizona), and mortgage lender licensing in nine U.S. states: Arizona, Colorado, Florida, Iowa, Minnesota, North Dakota, South Dakota, Texas, and Wisconsin.

Name

Cambria Mortgage

Legal name

Cambria Mortgage

Website

https://cambriamortgage.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

101–250 employees

Short description

Cambria Mortgage is a private, family-owned residential mortgage lender headquartered in Eden Prairie, Minnesota, originating home purchase and refinance loans across nine U.S. states via a 30+ consultant sales force and a mobile-first application platform.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Renovation/Remodel-to-Perm Financing (Owner-Occupied) (FSALAHAF), Home Improvement Personal Loans (Unsecured Installment) (FSAKAAAE)

Keywords

• Residential mortgage lending
• Home refinance services
• VA home loans
• FHA loan programs
• Mortgage origination

Headquarters

HQ city

Eden Prairie

HQ country

United States

HQ region

North America

Offices6 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: Primary revenue from originating mortgage loans for home purchases and refinances. Revenue generated through interest rates charged on loans, origination fees, and closing costs. Company services all loans at their operations center in Eden Prairie.
2. Finance by Cambria: Unsecured renovation loans up to $75,000 offered through participating Cambria dealers for kitchen and bath remodels featuring Cambria natural stone surfaces. Competitive short- and long-term payment options with no closing costs, application, or appraisal costs.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Cambria Mortgage originates residential home purchase and refinance mortgages — including conventional, FHA, VA, USDA, reverse, and renovation (FHA 203(k), cash-out, FHA streamline) loan programs — and services all loans in-house from its Eden Prairie, MN operations center. Distribution runs through 30+ local Mortgage Consultants in branch offices across Minnesota, North Dakota, and Arizona, supported by the Cambria Mortgage Mobile App that enables 5-minute applications, document scanning, and real-time status updates. An affiliated "Finance by Cambria" sub-brand offers unsecured renovation loans up to $75,000 through Cambria quartz surface dealers for kitchen and bath remodels.

Product overview

Cambria Mortgage is a full-service mortgage lender offering a comprehensive portfolio of mortgage products and services. The core offering includes various loan programs: Conventional Mortgages (30/15/20-year fixed rates), FHA Loans, VA Home Loans, Adjustable Rate Mortgages, Reverse Mortgages, USDA Rural Development Loans, FHA 203(k) Renovation Loans, Cash-Out Refinancing, and FHA Streamline Refinance. The company provides a mobile application (Cambria Mortgage Mobile App) for iOS and Android that enables clients to apply for loans, track status, scan documents, and communicate with mortgage consultants. Supporting tools include Payment, Rent vs. Own, and Debt Consolidation calculators. An affiliated program, Finance by Cambria, offers unsecured loans up to $75,000 specifically for Cambria countertop and renovation projects. The company operates from Minnesota, licensed in eight states.

Differentiator

Problem solved

Functional benefit

Brands

• Finance by Cambria: An unsecured consumer finance program offering loans up to $75,000 for residential remodeling projects that include Cambria natural stone surfaces. Originally launched with loans up to $55,000 in 2016.

Products and services

• Conventional Mortgages

Quantifiable outcome

• Loans close 20% faster than before due to technology investments
• +1 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles5 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 core and flagship.

• Home BuilderscoreChannel Partner/ Reseller/ DistributorBuilder partnership program where Cambria Mortgage provides financing options for buyers purchasing new construction homes. Builders refer their buyers to Cambria for mortgage services.
• RealtorscoreChannel Partner/ Reseller/ DistributorRealtor partnership program providing co-branded mobile app access, real-time loan status updates, mortgage calculators, pre-approval letter requests, and referral coordination for real estate agents.
• Cambria (Parent Company)flagshipStrategic or Co-development PartnerCambria Mortgage is owned and operated by the same family that owns Cambria, the industry-leading manufacturer of natural quartz surfaces. The companies cross-promote through Finance by Cambria renovation financing program which funds remodels featuring Cambria countertops.
• Cambria DealerscoreChannel Partner/ Reseller/ DistributorParticipating Cambria dealers offer Finance by Cambria unsecured renovation loans up to $75,000 for kitchen and bath remodels featuring Cambria natural stone surfaces. Dealers facilitate the 10-minute paperless application process.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Guaranteed Rate: National retail mortgage lender combining digital tools with a branch / loan officer network. Comparable in emphasizing speed, technology, and loan program breadth across geographies.
• Rocket Mortgage: Largest U.S. retail mortgage originator with a heavily mobile- and digital-led acquisition model. Direct peer on the consumer direct-to-consumer mortgage origination motion that Cambria is targeting with its 2022 mobile app launch.
• CrossCountry Mortgage: Large retail mortgage originator with multi-state branch footprint and a diversified loan product set. Closely comparable in retail-led, branch-driven origination strategy at comparable headcount range.
• Better.com: Digital-first direct-to-consumer mortgage lender emphasizing a streamlined online application and fast turn times. Closely comparable to Cambria's mobile-app-driven DTC strategy.
• loanDepot: National retail and wholesale mortgage lender offering conventional, government, and refinance products alongside a digital platform. Comparable in product breadth, multi-channel distribution, and digital investment strategy.
• Fairway Independent Mortgage: Mid-sized retail mortgage lender with a branch-based, relationship-led model very similar to Cambria's. Comparable in consultant-driven sales, multi-state branch operations, and breadth of loan programs.
• HomeBridge Financial Services: Privately held, mid-sized direct-to-consumer mortgage lender offering conventional, government, and renovation products across multiple states. Closely comparable in scale, private family/backer ownership profile, and product mix.

Broad incumbents

• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender operating primarily through the broker channel. Comparable in offering the full stack of mortgage products and competing for the same loan officer / broker relationships, though wholesale-led versus Cambria's retail-led model.
• Caliber Home Loans: Large non-bank retail mortgage lender with multi-state operations and a broad product set including renovation and government programs. Comparable on product breadth and scale-tier positioning above regional lenders.
• NewRez (Rithm Capital): Non-bank mortgage originator and servicer operating across retail, wholesale, and correspondent channels. Comparable in offering a full product set across purchase and refinance, with broader servicing scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/intent/tweet?text=Cambria%20Mortgage
• Facebookfacebook.com/CambriaMortgage

Compliance2 records

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 Cambria Mortgage