Cason Home Loans

What Cason Home Loans does

Cason Home Loans is a privately held, full-service retail mortgage banker (operating as a trade name of J. VIRGIL, INC., under the Mortgage300 Corporation umbrella) that originates, processes, underwrites, and closes home loans through an in-house production model rather than as a broker. Founded in 2010 by Kristi and Bernie Cason, the firm is headquartered in Palm Beach Gardens, FL, and operates 10 retail offices across Michigan, Ohio, Florida, and New Jersey, while holding mortgage lender/broker/servicer licenses in 11 states (CO, FL, IA, MI, NJ, NC, OH, TN, TX, UT, VA). Its loan product set spans the standard agency and government channels (Conventional Fixed, FHA, VA, USDA, Jumbo, ARM), refinance variants (FHA Streamline, VA IRRRL, USDA Streamline, Cash-Out), and equity and specialty products (HELOC, HECM reverse mortgage, Closed-End Second, Renovation/203(k), Construction, Bridge). Technology stack is centered on RapidApp, a proprietary all-in-one workflow platform providing loan officers and clients with remote document upload, progress monitoring, eClose, and partner-shared views, with SimpleNexus supporting loan origination and Experience.com powering public customer reviews.

The business model is transaction-fee mortgage origination plus secondary market gains on loan sales, with no disclosed fee schedule or rate card. Go-to-market is multi-channel: a sales-led model of licensed loan officers at physical offices, a direct-to-consumer online application flow via myloan.casonhomeloans.com, and a structured community/realtor partner program (B.E.N.E.F.I.T.S.) with a 15-minute call-return guarantee that anchors a referral pipeline from real estate agents. Customer concentration is structurally low: the served base is fragmented across individual homebuyers, refinancers, military veterans, USDA-eligible rural buyers, and first-time homebuyers, with five named individual testimonials rather than enterprise anchors. Revenue is not publicly disclosed, and the firm is bootstrapped under Mortgage300 Corporation with no recorded external funding rounds, M&A activity, or restructuring events in the source data.

Name

Cason Home Loans

Legal name

J. VIRGIL, INC.

Website

https://casonhomeloans.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Cason Home Loans is a privately held, full-service retail mortgage banker originating agency, government (FHA/VA/USDA), jumbo, refinance, and home-equity loans through ten offices across MI, OH, FL, and NJ, with multi-state licensing across 11 states, an in-house processing/underwriting model, and a proprietary RapidApp platform.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Jumbo / Non-Conforming Mortgage Origination (FSALAAAH)

akta.pro secondary industries

Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA), HELOC & Second-Lien Wholesale Lending (FSALACAG)

Keywords

• Mortgage lending
• Home loan origination
• Residential mortgages
• Refinance services
• Home equity loans

Headquarters

HQ city

Lancaster

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination: Revenue generated from originating mortgage loans including purchase mortgages and refinances. As a full-service mortgage banker with in-house processing and underwriting, they generate revenue through origination fees and loan sale commissions.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Cason Home Loans is a full-service mortgage banker that originates and closes residential home loans, including purchase mortgages (Conventional, FHA, VA, USDA, Jumbo, Adjustable Rate) and refinance/home equity products. The company operates with in-house processing and underwriting, enabling faster loan decisions, and distributes through licensed loan officers across multiple office locations and an online application platform.

Product overview

Cason Home Loans is a full-service mortgage banker offering a comprehensive suite of home loan products. Its core technology platform is RapidApp, a proprietary all-in-one lending platform enabling remote loan processing and document management. The product portfolio spans purchase mortgages (Conventional, FHA, VA, USDA, Jumbo, Adjustable Rate, and specialty products like Construction Loans and Bridge Loans), refinance options (FHA Streamline, VA IRRRL, USDA Streamline, Cash-Out refinances), and home equity products (HELOC, Reverse Mortgages, Second Mortgages), supplemented by renovation loan programs. The company operates as a mortgage banker with in-house processing and underwriting, processing and closing loans through its own infrastructure rather than as a broker.

Differentiator

Problem solved

Functional benefit

Brands

• RapidApp: All-in-one mortgage application platform used by loan officers and clients for remote mortgage processing, document uploads, and loan monitoring.

Products and services

• Conventional Fixed Loans Fixed-rate mortgage loans available in 10, 15, 20, 25, and 30-year terms, not insured or guaranteed by any government agency, offering quicker loan approvals compared to FHA or VA loans for individual homebuyers.
• FHA Loans Fixed or adjustable rate loans insured by the U.S. Department of Housing and Urban Development, designed to make housing more affordable for first-time homebuyers with low down payments and flexible qualification guidelines.
• VA Loans Mortgage loans made by an approved lender and guaranteed by the Department of Veterans Affairs, available to veterans and active military members with low or no down payment requirements and no mortgage insurance requirement.
• USDA / Rural Development Loans

Quantifiable outcome

• 15-minute return time guarantee on realtor partner calls during business hours

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature1 record

Partnerships

One partnership is on record.

• Real Estate Agents (Realtor Partners)coreChannel Partner/ Reseller/ DistributorCason Home Loans has a structured realtor partnership program called B.E.N.E.F.I.T.S. with a 15-minute return time guarantee on calls during business hours. The program emphasizes relationship building, with realtors referring home buyers to Cason for mortgage services.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Homepoint: Wholesale and retail mortgage lender serving independent mortgage brokers and consumers. Comparable as a mortgage lender competing in similar regional markets, with strong technology platform investments.
• Rocket Mortgage: Largest U.S. retail mortgage originator and a direct competitor offering purchase, refinance, and HELOC products through a digital-first channel. Comparable as a retail-direct mortgage lender with proprietary technology, though at vastly greater national scale than Cason Home Loans.
• NewRez (Rithm Capital): National mortgage originator and servicer with retail, wholesale, and correspondent channels. Comparable as a full-service mortgage banker with multi-channel production and government loan programs.
• United Wholesale Mortgage: Largest wholesale mortgage lender in the U.S., based in Michigan. Comparable as a mortgage lender leveraging technology and speed, though primarily competing in the broker/independent channel rather than retail like Cason.
• loanDepot: National retail mortgage originator with retail, joint venture, and wholesale channels across all 50 states. Comparable as a full-service mortgage banker serving similar consumer segments, though substantially larger and publicly traded.

Direct peers

• Guaranteed Rate: Retail mortgage banker with proprietary digital platform (Powerhouse) and retail branch network, including significant Midwest presence. Directly comparable as a tech-enabled retail mortgage lender competing for similar purchase and refinance customers with loan officer-led distribution.
• Paramount Equity Mortgage: Mid-sized retail mortgage banker operating branches across the Midwest and Mid-Atlantic regions. Comparable as a regionally focused, retail mortgage lender with similar product offerings including FHA, VA, and conventional products.
• Fairway Independent Mortgage Corporation: Privately held retail mortgage banker with broad branch footprint and in-house processing model. Comparable as a Midwest-rooted mortgage lender with strong referral-based production and similar product breadth.
• CrossCountry Mortgage: Privately held retail mortgage banker with strong branch footprint in the Midwest, Southeast, and Mid-Atlantic - directly overlapping with Cason's geographic footprint. Operates similar in-house processing and underwriting model with multi-channel production including retail and realtor referral programs.
• Caliber Home Loans: National retail and correspondent mortgage banker offering a similar product suite including FHA, VA, USDA, and Jumbo. Comparable as a mid-to-large scaled retail mortgage banker with multi-state branch presence and government loan specialization.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Cason-Home-Loans-206700632790664
• LinkedInlinkedin.com/company/cason-home-loans
• Xx.com/casonhomeloans

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 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 Cason Home Loans