Capital Loan Associates

What Capital Loan Associates does

Capital Loan Associates (DBA: CLA Mortgage) is a privately held residential mortgage lender and broker headquartered in San Diego, California, with a secondary office in Las Vegas, Nevada, and a licensed lending footprint across seven U.S. states (California, Hawaii, Arizona, Texas, Florida, Nevada, and Idaho). The company originates home purchase loans, refinance loans (including cash-out), and reverse mortgages for homeowners aged 62 and older, with a deliberate focus on educators, state employees, and union members — most visibly through its Preferred Partner designation with the Clark County Education Association (CCEA) in Las Vegas and its Teacher Mortgage Services (TMS) program, which offers waived application fees, up to $500 off closing costs, and negotiated title/escrow pricing.

The technology stack is intentionally lightweight: a marketing website (cla1mortgage.com, built on GoDaddy's website builder) with Gravity Forms-based qualification/intake forms, and a Tools page that embeds third-party mortgage calculators from MortgageLoan.com (payment, length, principal, rent-vs-buy, bi-weekly, "what if I pay more"). There is no proprietary technology, mobile application, or disclosed API/integration surface beyond these embed widgets; no patents, trademarks, or formal industry awards are on record, and the firm self-certifies under U.S.-EU and U.S.-Swiss Safe Harbor data-protection frameworks.

The business model is transaction-fee based: revenue is generated through loan origination fees, application fees, and closing costs on mortgages brokered or originated for individual borrowers. Distribution is sales-led, relying on direct phone outreach (toll-free and local numbers), website-driven lead capture, and referral partnerships with teacher and education associations. The firm operates with 1-10 employees and a small-office cost structure, targeting a niche customer base rather than competing on scale against national retail mortgage lenders.

Name

Capital Loan Associates

Legal name

Capital Loan Associates

Website

https://cla1mortgage.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Capital Loan Associates (CLA Mortgage) is a privately held residential mortgage lender and broker operating in seven U.S. states from offices in San Diego, CA and Las Vegas, NV, specializing in home purchase, refinance, and reverse mortgages for educators, state employees, and union members (notably CCEA Preferred Members and Teachers Mortgage Services clients).

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage lending
• Home purchase loans
• Mortgage refinancing
• Reverse mortgages
• Educator mortgage programs

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Mortgage Lending: Origination of home purchase mortgages, refinance mortgages, and reverse mortgages. Revenue generated through interest on loans originated and associated closing costs, application fees, and origination fees charged to borrowers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Capital Loan Associates originates residential mortgage loans for individual borrowers, offering home purchase mortgages, refinance mortgages (rate/term and cash-out), and reverse mortgages for homeowners 62+. The company specializes in serving educators, teachers, school employees, state employees, and union members through exclusive programs such as the CCEA Preferred Member Program and the Educator Mortgage Program (TMS), which provide waived application fees and reduced closing costs. All products are priced on a per-borrower quote basis across California, Hawaii, Arizona, Texas, Florida, Nevada, and Idaho.

Product overview

Capital Loan Associates offers a portfolio of mortgage products centered on three core offerings: Home Purchase Loans, Refinance Loans, and Reverse Mortgages. The company also operates specialized sub-brands targeting educators—the Educator Mortgage Program (TMS) and CCEA Preferred Member Program—which provide exclusive benefits like waived fees, reduced closing costs, and preferential rates. A suite of financial calculators is available as supplementary tools on their platform. The product portfolio is designed to serve individual borrowers with various mortgage needs, with particular specialization in educator and union member segments.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchase Loans Mortgage financing for individuals purchasing homes, including first-time buyers and seasoned investors. Available across California, Hawaii, Arizona, Texas, Florida, Nevada, and Idaho, with the company guiding borrowers through the entire home buying process.
• Refinance Loans Mortgage refinancing for individuals paying off an existing mortgage with a new loan, including rate/term refinancing and cash-out refinancing to access home equity. Available across the same seven licensed states.
• Reverse Mortgages Loans available to homeowners aged 62 or older enabling conversion of home equity into a lump sum, monthly payments, or a line of credit, with no required monthly mortgage payments. Targets senior homeowners seeking retirement income or to age in place.
• Educator Mortgage Program (TMS) Specialized mortgage program for teachers and education employees offering skipped mortgage payments, lowest rate guarantees, waived application fees, and negotiated title/escrow fees. Aimed at educator and state-employee borrowers.
• CCEA Preferred Member Program Exclusive mortgage benefits program for Clark County Education Association union members offering up to $500 off closing costs and a free refinance analysis or home purchase pre-qualification (minimum loan amounts apply). Operates as the primary channel for educator-segment origination in Nevada.

Named customers1 record

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

One partnership is on record.

• Clark County Education Association (CCEA)coreGTM or Marketing PartnerCCEA Preferred Partner designation. Capital Loan Associates offers CCEA members up to $500 off closing costs, free refinance analysis, and free home purchase pre-qualification. This is the primary channel for reaching educator customers in Nevada.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Cardinal Financial Company: Mid-market retail mortgage lender operating across a similar geographic footprint with purchase and refinance origination; comparable in scale and product breadth to Capital Loan Associates.
• Finance of America Reverse: Reverse-mortgage-specialized lender whose product focus on the 62+ homeowner segment is directly comparable to CLA's reverse mortgage offering, capturing the same equity-conversion market.
• Paramount Equity (formerly One Reverse Mortgage): Reverse mortgage specialist operating in many of the same western and southwestern states (CA, NV, AZ) where CLA is licensed; comparable niche focus and target borrower profile.
• Guild Mortgage: Mid-size U.S. residential mortgage lender with a comparable multi-state branch footprint, similar purchase/refi/reverse product mix, and strong specialty programs for educators and other niche segments that map directly to Capital Loan Associates' positioning.
• Academy Mortgage: Regional residential mortgage originator operating across many states with educator-focused programs and association partnerships structurally analogous to CLA's CCEA Preferred Member offering.
• Fairway Independent Mortgage Corporation: Large retail residential mortgage originator with a similar multi-state branch model, conventional/FHA/VA/USDA/jumbo product suite, and reverse mortgage capabilities directly comparable to CLA's core offering.

Broad incumbents

• loanDepot: Large, publicly visible national residential mortgage originator that competes with CLA across the entire purchase/refi product spectrum, but operates at vastly larger scale and serves all borrower types rather than specializing.
• Rocket Mortgage: Dominant digitally native U.S. mortgage lender and the strongest competitive force for any small originator; competes for the same purchase, refinance, and increasingly reverse mortgage borrowers that CLA serves.
• NewRez (Newcastle Home Loans / Shellpoint): Large residential mortgage originator with a dedicated reverse mortgage business (Shellpoint) that overlaps directly with CLA's reverse mortgage product line and broader conventional origination.
• Caliber Home Loans: National residential mortgage lender with a wide product range (conventional, government, jumbo, reverse via libety) overlapping directly with CLA's FHA/VA/USDA/jumbo/reverse mix, but at substantially larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/capital-loan-associates

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Capital Loan Associates