Tri-Star Home Loans

What Tri-Star Home Loans does

Tri-Star Home Loans is a privately-held mortgage broker and lender headquartered in Upland, California (NMLS: 299844), founded in 2005 and operating with 1-10 employees. The company originates home purchase mortgages and refinance loans across a broad product portfolio including government-backed programs (FHA, VA, USDA), conventional fixed-rate and adjustable-rate products, jumbo loans, and specialty offerings such as reverse mortgages, HARP 2.0, balloon, graduated-payment, and interest-only mortgages.

The company's technology footprint is centered on its tri-starhomeloans.com website, which provides an online secure loan application, pre-qualification tools, interactive mortgage calculators, and the LQB Consumer Portal for loan management, supplemented by a UserWay accessibility widget for WCAG 2.1 compliance. The platform is built on LenderHomePage.com CMS infrastructure. Distribution is a hybrid model: digital self-service entry points funnel into relationship-driven loan officer engagement, with named loan officers (Cary McCaslin, Lynn) personally guiding borrowers through qualification, application, and closing.

Tri-Star generates revenue primarily through mortgage origination fees on closed loans, with potential secondary income from yield spread premiums and interest on portfolio or coordinated financing. Its target market is individual homeowners and buyers in Southern California, segmented across use cases (home purchase vs. refinance), personas (veterans, first-time buyers), and geographies (USDA-eligible rural/suburban areas). The company pursues a sales-led, referral-driven GTM with no disclosed institutional partnerships, funding, or M&A activity.

Name

Tri-Star Home Loans

Legal name

Tri-Star Home Loans

Website

https://tri-starhomeloans.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Tri-Star Home Loans is a privately-held, Southern California-based mortgage broker and lender (NMLS: 299844) offering home purchase and refinance loans across FHA, VA, USDA, conventional, jumbo, and specialty programs, serving individual consumers through a digital application portal backed by personal loan officer guidance.

Ownership category

akta.pro rank

Product category

Mortgage Lending Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)

akta.pro secondary industry

Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA)

Keywords

• Mortgage lending services
• Home purchase loans
• Mortgage refinancing
• FHA VA loans
• Residential mortgage broker

Headquarters

HQ city

Upland

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 Fees: The company earns revenue from originating mortgage loans for home purchases and refinances. Loan originations are processed for various loan programs including conventional, FHA, VA, USDA, jumbo, and specialty products. Revenue is generated through origination fees charged to borrowers and potentially through yield spread premiums from lenders.
2. Interest Income on Mortgages: As a mortgage lender/broker, the company may earn interest income on loans held in portfolio or earn fees from coordinating financing for borrowers with investor partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Tri-Star Home Loans is a privately held mortgage lender and broker based in Upland, California that originates residential home purchase loans and refinances. The company offers a comprehensive suite of loan programs including conventional, FHA, VA, USDA, jumbo, HARP 2.0, reverse, and various adjustable/fixed/interest-only/balloon/graduated-payment mortgage products, supported by online application, pre-qualification, and mortgage calculator tools.

Product overview

Tri-Star Home Loans operates as a mortgage lender offering a comprehensive suite of loan products centered around its core home purchase and refinance mortgage services. The company's product portfolio spans government-backed loan programs including VA Loans, FHA Loans, and USDA Loans, as well as conventional financing options such as Fixed Rate Mortgages, Adjustable Rate Mortgages (ARM), Hybrid ARMs, Interest Only Mortgages, Balloon Mortgages, Reverse Mortgages, and Graduated Payment Mortgages. Additional offerings include specialized refinance products like HARP 2.0 and Jumbo Loans for higher-value properties. The company supplements its lending products with digital services including online loan applications, mortgage calculators, pre-qualification tools, and a consumer portal, alongside an extensive educational resource library covering mortgage fundamentals.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Loan refinance typically completed in less than 30 days once customer decides to proceed

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Expansion highlights2 records

Direct peers

• Guild Mortgage: Retail mortgage lender specializing in FHA, VA, USDA and other government-backed programs serving first-time and minority borrowers across the U.S. Highly comparable product mix to Tri-Star, with established branch relationships similar to Tri-Star's local-officer model.
• Caliber Home Loans: Retail mortgage lender with strong FHA, VA, and USDA program offerings and a focus on purchase rather than refinance volume. Directly comparable target customer base and product positioning to Tri-Star.
• New American Funding: California-headquartered retail mortgage lender offering FHA, VA, USDA, conventional, and specialty products with a strong focus on underserved and first-time buyer segments. Closely comparable to Tri-Star in product mix, mission positioning, and California base, but at much larger scale.
• Fairway Independent Mortgage Corporation: Branch-based retail mortgage lender offering FHA, VA, USDA, conventional, jumbo, and reverse mortgage products through relationship-driven loan officers. Directly comparable branch/officer-driven model to Tri-Star.
• Homebridge Financial Services: National retail and wholesale mortgage lender with comprehensive government and conventional product offerings. Comparable loan-program mix to Tri-Star with similar officer-driven retail origination.
• Paramount Residential Mortgage Group (PRMG): National retail and wholesale mortgage lender offering a comprehensive suite including FHA, VA, USDA, conventional, jumbo, and reverse mortgages. Closely comparable product breadth and channel model to Tri-Star.

Emerging players

• Better.com: Digital-first mortgage lender offering purchase and refinance products through a streamlined online application. Comparable to Tri-Star in offering FHA, VA, and conventional loans, but competes primarily through fully digital UX rather than the local-relationship model.

Broad incumbents

• loanDepot: National retail mortgage lender offering purchase, refinance, HELOC, and reverse mortgage products across all 50 states. Highly comparable to Tri-Star on product breadth and borrower segments served, with a substantially larger scale and multichannel retail model.
• Rocket Mortgage: Largest U.S. retail mortgage originator with a digital-first application experience for purchase and refinance home loans. Directly comparable in product mix and borrower segment to Tri-Star, but operates at orders-of-magnitude greater scale.

Others

• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender serving independent brokers and correspondents rather than retail consumers. Compares to Tri-Star's broker function in that UWM funds many of the loans third-party brokers like Tri-Star originate.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php

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 Tri-Star Home Loans