EPIQ Lending
EPIQ Lending, operating as EVO Home Loans, LLC, is a U.S. retail mortgage lender (NMLS# 1936984) offering purchase and refinance loans across seven states. A subsidiary of CMG Financial, it serves individual borrowers, medical professionals, self-employed buyers, and home builders through proprietary products including All In One Loan™ and HomeFundIt™.
- Company typePrivate
- Founded2020
- HeadquartersPasadena, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What EPIQ Lending does
EPIQ Lending, operating as EVO Home Loans, LLC (NMLS# 1936984), is a U.S. retail mortgage lender headquartered in Scottsdale, Arizona, licensed in seven states (AZ, CA, FL, NV, TX, UT, IN). The company originates purchase and refinance mortgages across a broad product menu including Conventional, FHA, VA, USDA, Jumbo, Renovation (203k), HomeReady, HomePossible, Reverse Mortgage, and HELOC products. EPIQ differentiates through proprietary products — All In One Loan™ (a transactional offset-type mortgage combining banking functionality with home financing) and HomeFundIt™ (the first industry-approved crowdfunding platform for down payments) — along with specialty programs for medical professionals (MedPro Premier/Advantage), Islamic-compliant borrowers (Halal Financing via Ijara Community Development Corporation), and self-employed or investor borrowers (Non-QM Edge and Advantage).
The technology stack is a cloud-based mortgage origination platform with a consumer-facing mobile application (EPIQ HOME), an online borrower portal, and proprietary loan product technology integrated with FNMA, FHLMC, GNMA, FHA, VA, and USDA agency systems. EPIQ distributes through three primary channels: retail direct-to-consumer via loan officers across licensed states, digital self-serve through the mobile app and online application, and a Builder Division operating eight joint venture mortgage companies with home builders that has scaled to over $2 billion in annual loan volume. The company is a subsidiary of CMG Financial, a privately held mortgage bank founded in 1993 with a $100 billion servicing portfolio.
Revenue is generated primarily through origination fees at closing and gain-on-sale margins from selling loans into the secondary market, supplemented by servicing fee income on portfolio loans. The GTM motion blends field sales (loan officer relationships), digital self-serve acquisition, and builder JV partnerships with co-ownership structures. EPIQ serves diverse customer segments including first-time home buyers, veterans, rural buyers, medical professionals, self-employed borrowers, Muslim buyers seeking Sharia-compliant financing, seniors (62+), and home builders — each addressed through tailored product programs supported by the company's licensed operations and proprietary technology.
EPIQ Lending firmographics
Firmographics- Name
- EPIQ Lending
- Legal name
- EVO Home Loans, LLC
- Website
- https://epiqlending.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- EPIQ Lending, operating as EVO Home Loans, LLC, is a U.S. retail mortgage lender (NMLS# 1936984) offering purchase and refinance loans across seven states. A subsidiary of CMG Financial, it serves individual borrowers, medical professionals, self-employed buyers, and home builders through proprietary products including All In One Loan™ and HomeFundIt™.
- Ownership category
- akta.pro rank
EPIQ Lending industry classification
Industry- Product category
- Consumer Mortgage Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Consumer Lending (522291), Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Home Equity Loan/HELOC Underwriting & Credit Policy (FSALAGAC)
Keywords
Where EPIQ Lending is headquartered
LocationHeadquarters
- HQ city
- Pasadena
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
EPIQ Lending business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Mortgage Loan Origination: EPIQ Lending originates mortgage loans (purchase and refinance) across multiple loan programs (Conventional, FHA, VA, USDA, Jumbo, Renovation, All In One, HomeFundIt, Halal Financing, HomeReady, HomePossible, etc.). Revenue is generated through origination fees charged at closing and the spread between the interest rate offered to borrowers and the rate at which loans are sold into the secondary market or held in portfolio.
- Interest Income / Loan Servicing: Some originated loans are held in portfolio and serviced, generating ongoing interest income and servicing fee revenue. CMG Financial (parent) reports $100 billion in servicing portfolio.
- HomeFundIt Grant Program: EPIQ Lending provides grant funds ($2 for every $1 raised via online gifting, up to $2,000) applied to non-recurring closing costs for first-time home buyers, funded as a marketing/acquisition cost to generate loan volume.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | One time/ perpetual license | HomeFundIt Grant: $2 for every $1 raised (up to $2,000) |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels10 records
EPIQ Lending product offering
Product offeringCore offering
EPIQ Lending originates and funds consumer residential mortgage loans through a retail direct-to-consumer channel and a Builder Division channel. The product menu spans Conventional, FHA, VA, USDA, Jumbo, Renovation (203k), HomeReady, HomePossible, Reverse Mortgage, HELOC, Halal Financing, and specialty professional and Non-QM programs. Two proprietary offerings differentiate the platform: the All In One Loan™ (transactional offset mortgage combining banking with home financing) and HomeFundIt™ (industry-first down payment crowdfunding/gifting platform), both supported by the EPIQ HOME mobile app and online borrower portal.
Product overview
EPIQ Lending is a mortgage lending platform operated by EVO Home Loans, LLC (NMLS# 1936984), offering a comprehensive suite of home loan products through multiple origination channels. The portfolio includes core mortgage products (Conventional, FHA, VA, USDA, and Jumbo loans) supplemented by innovative proprietary offerings: HomeFundIt (the first industry-approved crowdfunding platform for down payment gifting), the All In One Loan (transactional offset-type mortgage combining banking with home financing), and specialized programs like Halal Financing for Islamic-compliant lending. Additional products include renovation loans (203k), reverse mortgages, HELOCs, and professional-focused programs like MedPro Premier for medical professionals. The company also offers builder programs and maintains a mobile app for the loan process.
Differentiator
Problem solved
Functional benefit
Brands
- HomeFundIt: The first industry-approved crowdfunding platform for a down payment, allowing family, friends, and others to contribute to home buyers' down payment savings.
- All In One Loan
- Halal Financing
- MedPro Premier
Products and services
- Conventional Loan
- FHA Loan
- VA Loan
- USDA Loan
- Jumbo Loan
- HomeFundIt
- All In One Loan
- 203(k) Renovation Loan
- Fannie Mae HomeReady Loan
- Freddie Mac HomePossible Loan
- Halal Financing
- Reverse Mortgage
- HELOC
- MedPro Premier
- MedPro Advantage
- Non-QM Edge Closed-End Second
- Non-QM Advantage Closed-End Second
- CMG Refi LITE
- Builder Programs
- EPIQ HOME Mobile App
Quantifiable outcome
- borrowers can save tens of thousands of dollars and pay off their loan in half the time or less with the All In One Loan™
- +3 more outcomes
Companies that use EPIQ Lending
Customer profileNamed customers10 records
Segments8 records
Ideal customer profiles8 records
EPIQ Lending technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
EPIQ Lending partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- Ijara Community Development CorporationcoreExclusive partnership for Halal Financing (Islamic-compliant home financing). The Ijara Community Development Corporation acts as the lessor/owner in the Ijara-wa-Iqtina structure — borrowers make rent payments to the CDC that build equity, avoiding interest. The CDC handles servicing, insurance, and property taxes. EPIQ is one of few national companies offering this product through this partnership.
- Adams HomesminorHome builder partner featured in EPIQ Lending's Builder Division marketing materials, receiving financing solutions, rate buydown programs, and co-branded marketing support to drive new home sales.
- Aho ConstructionminorHome builder partner in EPIQ Lending's Builder Division ecosystem, receiving financing solutions and marketing support for new home sales.
- Eagle HomesminorHome builder partner featured in EPIQ Lending's Builder Division ecosystem, receiving financing solutions and co-branded marketing support.
- Empire CommunitiesminorHome builder partner in EPIQ Lending's Builder Division ecosystem, receiving financing solutions and marketing support.
- Greenstone PropertiesminorHome builder partner featured in EPIQ Lending's Builder Division ecosystem, receiving financing solutions and co-branded marketing.
- Hayden HomesminorHome builder partner in EPIQ Lending's Builder Division ecosystem.
- HHHuntminorHome builder partner featured in EPIQ Lending's Builder Division ecosystem.
- Westbay CommunitiesminorHome builder partner in EPIQ Lending's Builder Division ecosystem.
- NT DevelopmentsminorHome builder partner in EPIQ Lending's Builder Division ecosystem.
- Trumark HomesminorHome builder partner featured in EPIQ Lending's Builder Division ecosystem.
- McKee BuildminorHome builder partner in EPIQ Lending's Builder Division ecosystem.
- Casa Verde DevelopersminorHome builder partner featured in EPIQ Lending's Builder Division ecosystem.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
EPIQ Lending competitors and assessment
Company assessmentDirect peers
- Paramount Residential Mortgage Group (PRMG): National retail mortgage lender with broad product offerings and multi-state licensing. Closely comparable business model and target borrower segments to EPIQ.
- Guild Mortgage: National retail-focused mortgage lender with similar specialization in niche programs (medical professionals, underserved borrowers, manufactured housing). Comparable in GTM (loan officer-led retail) and product breadth.
- NewRez (Rithm Capital): Top-15 US mortgage originator with significant servicing portfolio and retail/wholesale origination. Comparable as a scaled multi-channel competitor with proprietary product emphasis.
- loanDepot: Large national retail and wholesale mortgage lender offering conventional, FHA, VA, USDA, and jumbo loans through loan officers and digital channels. Closely comparable business model — multi-channel retail origination with proprietary product positioning.
- CrossCountry Mortgage: Fast-growing retail mortgage lender with multi-state licensing and a comparable loan-officer-led retail origination model. Competes directly for the same purchase and refinance borrower segments.
- Caliber Home Loans: National retail and wholesale mortgage lender with diversified product menu including Non-QM and HELOC programs. Comparable scope and multi-channel GTM to EPIQ.
- Fairway Independent Mortgage: Large retail mortgage bank with a comparable loan-officer-driven model and broad product menu including conventional, government, and niche programs. Direct competitor in the retail purchase/refi space.
Broad incumbents
- Rocket Mortgage: Largest US mortgage originator with a national direct-to-consumer digital funnel. Comparable as a scaled retail/conforming mortgage lender; EPIQ is differentiated by niche programs (AIO, HomeFundIt) but competes for the same purchase and refi borrower.
- United Wholesale Mortgage (UWM): Largest US mortgage lender overall with a wholesale-led model and growing retail (Rocket Pro TPO) presence. Comparable as a scaled competitor offering the full agency-eligible product menu.
Emerging players
- Better.com: Digital-first mortgage lender competing for self-directed borrowers through an end-to-end online experience. Comparable where EPIQ leans on its EPIQ HOME mobile app and online pre-approval funnel.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks2 records
Key highlights7 records
Customer concentration
EPIQ Lending social profiles
Digital presenceEPIQ Lending compliance and trust
Trust signalCompliance9 records
EPIQ Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
EPIQ Lending leadership team
Management profileNumber of profiles
Profiles4 records
EPIQ Lending funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EPIQ Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EPIQ Lending
What does EPIQ Lending do?
EPIQ Lending originates and funds consumer residential mortgage loans through a retail direct-to-consumer channel and a Builder Division channel. The product menu spans Conventional, FHA, VA, USDA, Jumbo, Renovation (203k), HomeReady, HomePossible, Reverse Mortgage, HELOC, Halal Financing, and specialty professional and Non-QM programs. Two proprietary offerings differentiate the platform: the All In One Loan™ (transactional offset mortgage combining banking with home financing) and HomeFundIt™ (industry-first down payment crowdfunding/gifting platform), both supported by the EPIQ HOME mobile app and online borrower portal.
Is EPIQ Lending a public or private company?
EPIQ Lending is a private company. It is classified as corporate owned and is currently operating.
When was EPIQ Lending founded?
EPIQ Lending was founded in 2020. It employs 11 to 50 people.
Where is EPIQ Lending based?
EPIQ Lending is headquartered in Pasadena, United States, in the North America region.
How does EPIQ Lending make money?
Three revenue lines are on record. Mortgage Loan Origination is the primary driver. The others are interest Income / Loan Servicing and homeFundIt Grant Program.
Who are EPIQ Lending's main competitors?
Direct peers on record are Paramount Residential Mortgage Group (PRMG), Guild Mortgage, NewRez (Rithm Capital), loanDepot, CrossCountry Mortgage, Caliber Home Loans and Fairway Independent Mortgage. Broad incumbents are Rocket Mortgage and United Wholesale Mortgage (UWM). Better.com is listed as an emerging player.
Does EPIQ Lending have an API?
No public API is recorded for EPIQ Lending.
What industry is EPIQ Lending in?
EPIQ Lending's product category is Consumer Mortgage Lending. Its primary akta.pro industry code is FSALAGAC, Home Equity Loan/HELOC Underwriting & Credit Policy. Its NAICS code is 522310 and its SIC code is 6162.