Lighthouse Capital Group

What Lighthouse Capital Group does

Lighthouse Capital Group (LCG) is a privately held mortgage brokerage founded in 1994 by Dennis Fontes and headquartered at 4433 E. Anaheim St. in Long Beach, California. The company operates as a 'One-Stop-Shop' lender, offering a diversified portfolio of loan programs across California including residential mortgages (Conventional, FHA-VA, Reverse Mortgage), commercial mortgages (apartment buildings, office, industrial/warehouse, retail, hospitality, self-storage), SBA loans, renovation financing through the registered Hybrid Home Loan Program, Accessory Dwelling Unit (ADU) financing, and private lending for non-bankable borrowers. Loan programs span the $100,000 to $25 million range across commercial and multi-unit properties.

The business model is transaction-fee based, generating revenue through mortgage origination fees and lender commissions on closed loans. Distribution is primarily direct-to-consumer via phone, website, and in-person consultations, supplemented by an affiliate channel that refers clients through formal realtor and contractor programs, workshops, webinars, and a structured Referral Rewards Program. The company holds California DRE (#01388821), NMLS (#313989), and ADIFI (#MB-BR-1041491) licenses.

LCG operates without a proprietary technology platform, relying on industry-standard mortgage origination processes and a relationship-driven sales motion. Its stated differentiation is 30+ years of operator experience, expertise in complex borrower scenarios (self-employed income, credit issues, renovation financing), and personalized advisory service. The business is founder-led, single-state (California), with no disclosed institutional capital, headcount, or quantitative growth metrics.

Name

Lighthouse Capital Group

Legal name

Lighthouse Capital Group

Website

http://lcgmortgage.com/

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Lighthouse Capital Group is a privately held, California-based mortgage brokerage founded in 1994 that originates residential, commercial, renovation, ADU, and private loans for individual borrowers, real estate investors, and small businesses, distributed via direct sales and realtor/contractor affiliate referrals.

Ownership category

akta.pro rank

Product category

Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

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

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage lending
• Residential loans
• Commercial financing
• Renovation loans
• ADU financing

Headquarters

HQ city

Long Beach

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 Origination Fees: Lighthouse Capital Group earns revenue through mortgage origination fees charged to borrowers when originating loans. As a mortgage broker with access to multiple lenders and loan programs, they earn commissions from lenders and/or fees from borrowers for facilitating conventional, FHA, VA, commercial, SBA, private lending, and renovation loans. The company also generates revenue through referral arrangements with affiliated real estate professionals.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Lighthouse Capital Group is a full-service mortgage brokerage that originates residential, commercial, renovation, ADU, private lending, and SBA loans for California borrowers. Operating as a "One-Stop-Shop," the company matches borrowers with multiple lenders and loan programs, earning origination fees and commissions for facilitating transactions. The company targets individuals, real estate investors, and small businesses across California with specialized expertise in complex credit situations and renovation financing.

Product overview

Lighthouse Capital Group operates as a full-service 'One-Stop-Shop' mortgage lender offering a comprehensive portfolio of loan programs throughout California for over 30 years. The company's core offerings center on Residential Loans (including Conventional, FHA-VA, and Reverse Mortgage products), Commercial Loans (spanning apartment buildings, office buildings, industrial/warehouse, retail, hospitality, and self-storage properties), and specialized financing programs including the Hybrid Home Loan Program for renovations, Accessory Dwelling Unit (ADU) Financing, and Private Lending for borrowers who cannot qualify through traditional banks. Additional offerings include SBA Loans for commercial owner-occupied properties, Refinancing Programs, First Time Buyer Programs with low down payment options, Vacation Home Loans, and Investment Property Loans. The portfolio is designed to serve individual homebuyers, real estate investors, small businesses, and commercial property owners with solutions for self-employed income challenges, credit-challenged buyers, and renovation financing needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Loans Home purchase and refinancing solutions including Conventional, FHA-VA, and Reverse Mortgage options for individual borrowers seeking to buy or refinance their primary residence. Includes first-time buyer programs, refinancing programs, vacation home loans, and investment property loans.
• Commercial Loans Commercial mortgage financing for apartment buildings, office buildings, industrial/warehouse facilities, retail properties, hospitality/hotel properties, and self-storage facilities for investment or owner-occupied use. Includes SBA-backed loans for businesses occupying 51% or more of commercial property.
• Hybrid Home Loan Program (Renovation) Renovation and construction loan program offering 30-year fixed all-in-one construction-permanent loans that finance home improvements, upgrades, and 'as-is' property conversions into move-in ready homes. Capable of closing within 30-45 days.
• Accessory Dwelling Unit (ADU) Financing Specialized financing for converting garages or adding accessory dwelling units (granny flats) to existing properties, enabling homeowners to create additional rental units. Part of the Hybrid Home Loan program offering.
• Private Lending Alternative financing solutions for borrowers who cannot qualify for traditional bank construction and renovation financing, offering flexible terms with less bureaucratic requirements.

Quantifiable outcome

• Renovation loans can close within 30-45 days
• +2 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• National Association of Realtors (NAR)minorOthersReferenced as a data source for industry statistics. NAR 2019 data cited: homeowners spend over $400 billion renovating annually in the US, with over 55% in suburban neighborhoods and over 52% in urban neighborhoods. LCG uses this data to support their contractor referral program marketing.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• NewRez (Rithm Capital): National mortgage originator/servicer with retail and wholesale platforms. Comparable to Lighthouse Capital Group on the broker/retail side and competes for the same realtor referral flow.
• loanDepot: Large national retail mortgage lender and broker with multi-channel direct-to-consumer and partner-led distribution. Competes with Lighthouse Capital Group across most product categories but at vastly greater scale and with proprietary technology.
• Movement Mortgage: Large, mission-driven retail mortgage lender with strong relationship/referral culture and broad product portfolio. Comparable GTM philosophy (loan officer as trusted advisor) to Lighthouse Capital Group but at significantly greater scale.
• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender, working exclusively through independent mortgage brokers. A key wholesale partner and competitor — sets the pace on technology and broker compensation that affects Lighthouse Capital Group's economics.
• Caliber Home Loans: Large national mortgage originator and servicer with retail, wholesale, and correspondent channels. Competes with Lighthouse Capital Group on purchase and refinance volumes, particularly in California purchase markets.

Direct peers

• Guild Mortgage: California-originated mortgage lender (founded in San Diego) offering conventional, FHA, VA, USDA, and renovation loans including FHA 203(k). Direct competitor on residential and renovation loan programs within California.
• Kind Lending (formerly Kind Lending / Plaza Home Mortgage): Mid-size independent mortgage lender with retail and wholesale channels, broad product set including conventional, government, and non-QM. Comparable scale and product breadth to Lighthouse Capital Group.
• American Pacific Mortgage: West Coast-headquartered independent mortgage banker and broker with a similar multi-channel retail/affiliate model and broad loan product set. Comparable scale, geography, and reliance on loan officer-driven sales.
• Paramount Equity Funding: California-focused mortgage lender offering residential and home improvement financing including renovation and energy-efficient loans. Highly comparable to Lighthouse Capital Group in product mix (renovation/ADU-adjacent), regional concentration, and relationship-driven GTM.

Others

• Rocket Mortgage (Rocket Homes): Largest U.S. retail mortgage lender with fully digital, brand-led origination. Represents the digital-first competitive threat to traditional brokers like Lighthouse Capital Group across all consumer loan categories.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lighthouse Capital Group