Main Street Home Loans

What Main Street Home Loans does

Main Street Home Loans is a multi-state residential mortgage lender operating as a division of NFM Lending, LLC. Founded in 2019 and licensed to originate loans in 42 U.S. states, the company operates approximately 105 branch and loan originator locations and has cumulatively helped 29,000+ homebuyers with approximately $10 billion in home loans originated. The company offers conventional, VA, USDA, FHA, jumbo, and specialty loan products, plus the All In One Loan™, a 30-year HELOC with an integrated sweep-checking account, and seller/builder-paid Rate Buydown Programs. Its customer base spans first-time and repeat homebuyers, refinance borrowers, military veterans, credit-challenged borrowers, and realtor/builder referral partners.

Name

Main Street Home Loans

Legal name

NFM Lending, LLC

Website

https://mainstreethomeloans.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

Main Street Home Loans is a multi-state residential mortgage lender operating in 42 states through approximately 105 originator locations, providing conventional, VA, USDA, FHA, and specialty home loans to individual homebuyers and referral partners as a division of NFM Lending, LLC.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

akta.pro secondary industries

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

Keywords

• Residential mortgage lending
• Home loan origination
• Refinance services
• VA loan programs
• Conventional mortgages

Headquarters

HQ city

Linthicum Heights

HQ country

United States

HQ region

North America

Offices19 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Loan Origination: Revenue generated from originating residential mortgage loans including purchases and refinances. The company acts as a direct lender, originating loans and earning origination fees. Loans are sold to secondary markets including Fannie Mae, Freddie Mac, and Ginnie Mae.
2. Loan Servicing: Company services loans for borrowers, managing payment collection and administration. Servicing centers located in Lake Zurich and Linthicum, Maryland.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Main Street Home Loans is a direct residential mortgage lender that originates and services home purchase and refinance loans through licensed loan originators across 42 states. The company offers Conventional, VA, USDA, FHA, Jumbo, and specialty loan programs, including the proprietary All In One Loan™ (a 30-year HELOC with integrated sweep-checking account) and seller/builder-paid Rate Buydown Programs. Customers can apply online or work directly with local loan originators, with in-house underwriting and processing and paperless electronic document handling.

Product overview

Main Street Home Loans is a multi-state residential mortgage lender operating as a division of NFM Lending. The company offers a comprehensive suite of mortgage products centered on home purchase and refinance financing, including Conventional, VA, USDA, FHA loans, the All In One Loan™ (a 30-year HELOC with integrated checking), and Rate Buydown Programs. Supporting the core lending products, the company provides technology platforms including the Realtor® Pipeline and Builder Pipeline portals for partner access to loan status, a CRM and lead nurturing platform, Single Property Sites for realtor marketing, and a Credit Roadmap Campaign for credit-challenged borrowers. The company also offers mortgage calculators and credit education resources as customer-facing tools.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Financing Home purchase financing solutions for first-time homebuyers, repeat buyers, and investment property buyers, including pre-qualification and loan application processes.
• Refinance Refinancing options enabling borrowers to lower monthly mortgage payments, shorten loan terms, or access home equity through cash-out options.
• Conventional Loans Standard mortgage products conforming to Fannie Mae and Freddie Mac guidelines, available for purchase and refinance.
• VA Loans Veterans Affairs-approved loans often requiring no down payment, offering up to 100% financing for purchase or refinance for eligible veterans and active-duty military.
• USDA Loans Rural development loans offering 100% financing with no down payment required for eligible rural properties.
• FHA Loans Federal Housing Administration loans with lower down payment requirements and more flexible credit qualification criteria for purchase or refinance.
• All In One Loan™ A proprietary 30-year HELOC with an integrated sweep-checking account that combines home financing and personal banking needs into a single tool, supported by an interactive simulator.
• Rate Buydown Programs Seller or builder-paid buydown options including 3/2/1, 2/1, and 1/0 buydown programs that lower mortgage payments for the initial years of the loan.

Quantifiable outcome

• 29,000+ homebuyers helped
• +1 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• LGBTQ+ Real Estate AlliancecoreGTM or Marketing Partner · 19 April 2023Main Street Home Loans partnered with the LGBTQ+ Real Estate Alliance in April 2023. Through this partnership, the company aims to be a resource for financing and real estate investments for all in the LGBTQ+ community, with ongoing education and support for LGBTQ+ homebuyers and real estate professionals.
• Habitat for HumanityminorOthersMain Street C.A.R.E.S. program supports Habitat for Humanity through the Loudoun, VA chapter and North Carolina chapter. The partnership involves community support and volunteer efforts for affordable housing.
• Alzheimer AssociationminorOthersMain Street Home Loans is a proud supporter and advocate of Alzheimer's Awareness. The company has a dedicated partnership with the Alzheimer's Association as part of their community involvement program.
• Gary Sinise FoundationminorOthersMain Street C.A.R.E.S. partners with the Gary Sinise Foundation which supports veterans and first responders. The company supports this foundation as part of their veterans support initiatives.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Caliber Home Loans: Caliber Home Loans is a mid-to-large private mortgage lender offering Conventional, FHA, VA, USDA, and HELOC products via retail and wholesale channels with significant partnership programs. Comparable in loan product mix, GSE seller-servicer standing, and partner-channel go-to-market.
• Guild Mortgage: Guild Mortgage is a privately held retail mortgage lender offering Conventional, FHA, VA, USDA, and specialty products across 40+ states, with a focus on first-time homebuyers and a strong 'Top Workplace' employer brand. Closely matched to Main Street on footprint, segmentation, and product breadth.
• CrossCountry Mortgage: CrossCountry Mortgage is a fast-growing private retail mortgage lender with a multi-state branch and loan-officer model, multi-product offering (Conventional, FHA, VA, USDA, Jumbo), and recognized 'Top Workplace' employer brand. Highly comparable to Main Street in distribution model, product breadth, and culture positioning.
• Homepoint: Homepoint (acquired by Rithm Capital) is a wholesale mortgage lender that goes to market through broker partnerships and was comparable in scale and seller-servicer standing to Main Street before going private in 2024. Useful peer for understanding the mid-size retail/wholesale lender competitive set.
• NewRez (Shellpoint Mortgage Servicing): NewRez is a multi-channel mortgage originator and servicer offering retail, wholesale, and correspondent lending across all major loan programs. Comparable to Main Street in product breadth, GSE seller-servicer approvals, and emphasis on FHA and government-channel lending.
• Embrace Home Loans: Embrace Home Loans is a mid-size private retail lender headquartered in the Mid-Atlantic, offering Conventional, FHA, VA, USDA, and Jumbo products. Directly comparable to Main Street in regional footprint, product mix, government-loan expertise, and culture-driven 'Top Workplace' positioning.
• Pennymac: Pennymac is a top-10 U.S. mortgage lender with direct-to-consumer origination and a large third-party servicing portfolio. While Pennymac leans more on consumer-direct than branch retail, it offers an overlapping agency-loan product mix and operates as a Fannie/Freddie/Ginnie seller-servicer.

Broad incumbents

• United Wholesale Mortgage (UWM): UWM is the largest U.S. wholesale mortgage lender, working exclusively through broker and partner channels rather than retail. While Main Street runs a retail-led model, both share FHA/VA/agency-agency seller-servicer approvals and an emphasis on partner-relationship technology, making UWM a relevant comparable.
• loanDepot: loanDepot is a top-five U.S. retail mortgage lender offering Conventional, FHA, VA, and HELOC products with a hybrid call-center/local-loan-officer distribution model. Operates as a direct mortgage lender selling into the same GSE channels as Main Street, making it a close comparable for business-model and channel strategy analysis.
• Rocket Mortgage (Rocket Companies): Rocket Mortgage is the largest U.S. retail mortgage lender, originating via direct-to-consumer and broker channels across all major loan programs including Conventional, FHA, VA, USDA, and Jumbo. Directly comparable to Main Street Home Loans in loan-product breadth and GSE seller-servicer status, but at vastly greater national scale and brand recognition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/MainStreetHL
• LinkedInlinkedin.com/company/mshl

Compliance14 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Main Street Home Loans