Refi.com

What Refi.com does

Refi.com is a US direct-to-consumer mortgage refinancing platform operated as a DBA of Mortgage Research Center, LLC (NMLS #1907, Missouri-domiciled LLC), with day-to-day operations run by affiliate Three Creeks Media, LLC. The platform is purpose-built around refinancing — the brand name communicates the product — and offers five core refinance products: Rate & Term Refinance, Streamline Refinance (FHA/VA), Cash-Out Refinance, and partner-underwritten HELOC and Home Equity Loan products. Supporting these are government-loan programs (FHA, VA, Conventional) and a suite of seven online financial calculators (refinance, break-even, debt consolidation, line of credit, home equity, HELOC, required income).

The technology stack is a web-based application with digital document upload, e-signing, and Plaid-powered bank-account and asset verification for streamlined application flow. Distribution is omnichannel but consumer-direct: SEO-optimized educational content (a Learn Center with regularly published articles), calculator pages that capture top-of-funnel intent, a prominent phone sales line (1-833-609-0913) staffed by licensed loan officers, and earned-media placements in Yahoo, Business Insider, CNBC, and Zillow. The company is licensed in 40+ US states (excluding AZ, NJ, NV, NY, UT) and emphasizes "no origination fees" as its core consumer-facing value proposition, with closing costs (2-5% of loan amount) paid at closing per industry standard.

The business model is transaction-based mortgage origination revenue (gain-on-sale economics plus closing-cost reimbursement) supplemented by affiliate/referral economics from third-party underwriters for HELOC and Home Equity Loan products. The customer base is entirely retail US homeowners across horizontal use cases — rate-and-term refinancing, cash-out refinancing, FHA/VA refinancing, and equity tapping — with no enterprise or B2B exposure. The platform combines self-service digital tools with inside-sales support from dedicated loan officers throughout the application-to-closing lifecycle. There is no disclosed revenue, funding history, or M&A activity in the source data; brand-level headcount is reported at 1-10, though true economic scale is materially larger given the Mortgage Research Center, LLC parent entity.

Name

Refi.com

Legal name

Mortgage Research Center, LLC

Website

https://refi.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Refi.com is a US direct-to-consumer mortgage refinancing platform (DBA of Mortgage Research Center, LLC, NMLS #1907) offering rate-and-term, streamline, cash-out, FHA, VA, HELOC, and home equity loan products to US homeowners through a digital self-service and inside-sales model.

Ownership category

akta.pro rank

Product category

Mortgage Refinancing

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)

SIC

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

akta.pro primary industry

Consumer Direct / Online Mortgage Origination (FSALAAAB)

akta.pro secondary industries

Rate-and-Term Refinance Origination (FSALAAAE), Cash-Out Refinance Origination (FSALAAAF), Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage refinancing
• Home equity loans
• Cash-out refinance
• Online mortgage lender
• FHA VA refinance

Headquarters

HQ city

Newport 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, Infrastructure

Revenue model

1. Mortgage Origination Revenue: Refi.com earns revenue through origination fees on mortgage refinance loans it originates. The company markets itself as having no origination fees to consumers, though closing costs (2-5% of loan amount) are typically paid by borrowers at closing. Revenue is generated when loans close.
2. Third-Party Lending Partnerships: Refi.com does not directly offer HELOC or Home Equity Loan products; these are independently underwritten by third-party lending partners. Refi.com acts as an intermediary/referral source for these products, likely earning referral fees or spread income.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Refi.com originates and refinances mortgages directly to US homeowners through its website and licensed loan officers. Its core offerings are Rate & Term Refinance, Streamline Refinance (FHA/VA), Cash-Out Refinance, and HELOC and Home Equity Loan products (underwritten by third-party lending partners). The platform markets no origination fees and supports customers through a web-based application, online calculators, and dedicated loan officer support from inquiry through closing.

Product overview

Refi.com is a mortgage refinancing-focused platform operated by Mortgage Research Center, LLC (NMLS #1907). The company offers a suite of refinancing products centered around five core offerings: Rate & Term Refinance, Streamline Refinance, Cash-Out Refinance, HELOC, and Home Equity Loan. Supporting these core products is a suite of seven online calculators (Refinance Calculator, Refinance Break-Even Calculator, Mortgage Debt Consolidation Calculator, Line of Credit Payment Calculator, Home Equity Loan Calculator, HELOC Calculator, and Required Income for a Mortgage Calculator) designed to help homeowners estimate savings and eligibility. The platform also provides access to various government-backed loan programs including FHA loans, VA loans, and conventional loans for both purchase and refinance purposes. Notably, HELOC and Home Equity Loan products are underwritten independently by third-party lending partners, while the core refinance products are facilitated through Refi.com's own lending operations.

Differentiator

Problem solved

Functional benefit

Products and services

• Rate & Term Refinance A standard refinance option that replaces an existing mortgage with a new one offering better terms (lower interest rate, different loan term, or change in loan type) without cashing out home equity. Targeted at homeowners seeking to lower monthly payments, shorten their loan term, or switch loan types.
• Streamline Refinance A simplified refinance option for FHA or VA loans with reduced paperwork, allowing borrowers to lock in lower rates or shorten loan terms quickly. Available only for FHA or VA loans.
• Cash-Out Refinance A refinance that replaces the existing mortgage with a larger loan, providing the borrower with a lump sum of cash from their home equity at closing. Funds commonly used for home improvements, debt consolidation, or major purchases.
• HELOC (Home Equity Line of Credit) A revolving line of credit secured by home equity that allows homeowners to draw cash as needed for flexible budgeting. Independently underwritten by third-party lending partners, with Refi.com acting as referral source.
• Home Equity Loan A one-time lump sum loan secured by home equity that provides cash without changing the existing mortgage rate. Independently underwritten by third-party lending partners, with Refi.com acting as referral source.
• FHA Loan Federal Housing Administration-insured mortgage with low down payments (as little as 3.5%) and flexible credit standards, offered to first-time buyers and borrowers with limited savings or lower credit scores. Includes FHA Streamline Refinance options for existing FHA borrowers.
• VA Loan Government-backed mortgage available to eligible Veterans, active-duty service members, and surviving spouses, featuring no down payment, no PMI, and favorable loan rates. Includes VA IRRRL streamline refinance and VA cash-out refinance options.
• Conventional Loan Standard mortgage not insured or guaranteed by the federal government, offered through private lenders with varying down payment and credit requirements.

Quantifiable outcome

• One-third of homeowners surveyed are currently refinancing or likely to refinance within two years
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

One partnership is on record.

• PlaidcoreTechnology or IntegrationRefi.com uses Plaid for secure bank account connection, enabling customers to automatically verify asset information for loan applications. Users grant permission for Plaid to access and transmit financial data from their banks to Refi.com for verification purposes.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Better.com: Better.com is a digital direct-to-consumer mortgage lender that originates purchase and refinance loans online. Like Refi.com, it emphasizes a streamlined, calculator-driven experience and no-commission loan officers, making it the closest head-to-head competitor in consumer-direct refinance origination.
• Veterans United Home Loans: Veterans United is the consumer brand of Mortgage Research Center, LLC (NMLS #1907), the same parent entity that operates Refi.com. It is highly comparable because it shares licensing infrastructure, originates VA, FHA, and conventional refinance loans, and is one of the largest VA lenders in the U.S., demonstrating the parent's proven model.
• Credible: Credible is an online lending marketplace that lets borrowers compare refinance and home equity offers from multiple lenders. It is comparable to Refi.com because both target homeowners shopping for refinance rates online and rely on content/calculator-driven organic acquisition.

Broad incumbents

• Rocket Mortgage: Rocket Mortgage is the largest U.S. retail mortgage originator and a direct competitor across refinance products including Rate & Term, Cash-Out, FHA, and VA. While it operates at vastly greater scale and breadth, it competes with Refi.com for the same consumer-direct refinance borrower using a similar online-plus-loan-officer model.
• LoanDepot: LoanDepot is a major national mortgage lender with significant direct-to-consumer refinance volume under its mello brand. It competes directly with Refi.com across rate-and-term and cash-out refi, and offers HELOC and home equity products as well, making it a comprehensive substitute.
• SoFi: SoFi offers mortgage refinance loans alongside a broader suite of consumer financial products. It competes with Refi.com for digitally native homeowners seeking to refinance or tap home equity, and operates with a similar emphasis on a streamlined, fee-transparent online experience.
• LendingTree: LendingTree operates a mortgage comparison marketplace that matches consumers with multiple refinance lenders. It is comparable to Refi.com because both serve the same shopping-oriented refinance customer, though LendingTree does not originate loans directly while Refi.com does.

Emerging players

• Figure Technologies: Figure is a fintech lender specializing in HELOC and home equity products via a streamlined digital experience. It is comparable to Refi.com because both serve homeowners tapping home equity and use third-party-style integrations, but Figure operates in a narrower product niche.
• Newfi: Newfi is a non-QM and specialty mortgage lender offering refinance products to homeowners who may not fit agency guidelines. It is comparable to Refi.com because both focus on refinance as a core offering, though Newfi serves a more credit-constrained niche borrower.

Others

• Bankrate: Bankrate is a financial comparison platform publishing mortgage refinance rates, calculators, and educational content. It is comparable to Refi.com because both monetize refinance-intent traffic through content marketing, though Bankrate functions as a lead-generation marketplace rather than an originator.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/refi_dot_com

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

Investments

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

Frequently asked questions about Refi.com