Capital Family Mortgage

Name

Capital Family Mortgage

Legal name

Capital Family Mortgage Company

Website

https://capitalfamily.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

akta.pro secondary industry

Cash-Out Refinance Origination (FSALAAAF)

Keywords

• Residential mortgage lending
• Home loan origination
• Mortgage refinancing
• FHA VA USDA loans
• First-time homebuyer loans

Headquarters

HQ city

Missoula

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, Infrastructure, Technology or R&D, Others

Revenue model

1. Mortgage Origination: Capital Family Mortgage earns revenue through mortgage origination fees and the interest spread on loans they originate. As a mortgage lender, they fund loans and then typically sell them on the secondary market or hold them in their portfolio. Revenue is generated on a per-transaction basis when loans close.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Capital Family Mortgage originates residential mortgage loans for home purchases and refinancing in Western Montana. It offers Conventional, FHA, USDA Rural Development, and VA loan programs, supported by an online application portal, mortgage calculators, and personalized guidance from in-house loan officers at offices in Missoula and Stevensville.

Product overview

Capital Family Mortgage is a local family mortgage lender offering a portfolio of mortgage loan products including Conventional, FHA, USDA Rural Development, and VA loans. The company provides mortgage calculators as interactive tools, a secure online application process, and refinance services. The products are offered through a team of loan officers and operate from offices in Missoula and Stevensville, Montana. The company has been in operation since June 1994.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Loans Traditional mortgage loans with loan amounts up to $806,500, down payments as low as 3% for first-time buyers, and flexible appraisal standards, offered to individual homebuyers in Western Montana.
• FHA Loans Federal Housing Administration insured loans requiring a 580 minimum credit score and 3.5% down payment, with lower interest rates than conventional lending and more lenient qualification guidelines, targeted at first-time and lower-credit borrowers.
• USDA Rural Development Loans USDA-guaranteed loans for rural and semi-rural properties featuring no down payment requirement, lower interest rates, and insurance rates lower than FHA and most Conventional loans, targeted at rural-area homebuyers in Western Montana.
• VA Loans Department of Veterans Affairs backed mortgage loans for eligible military veterans and active-duty service members offering up to 100% financing, no private mortgage insurance, and no down payment options.
• Refinance Services Mortgage refinancing services for existing homeowners to lower monthly payments, reduce total interest paid, consolidate debt, or shorten the loan term.
• Online Mortgage Application A secure 4-step online application process for purchase and refinance loans that captures borrower information, employment details, property details, and co-borrower information, and allows selection of a preferred loan officer.
• Mortgage Calculators Interactive online calculators that allow prospective borrowers to estimate monthly mortgage payments based on loan amount, interest rate, loan term, down payment, taxes, insurance, and HOA fees.

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights2 records

Direct peers

• Academy Mortgage Corporation: Family-founded retail mortgage lender with strong government-loan (FHA/VA/USDA) emphasis and branch-led model across the Western U.S. Comparable in product breadth, family-business origins, and reliance on local loan-officer relationships rather than centralized call centers.
• SWBC Mortgage: Retail mortgage originator operating across multiple U.S. regions with FHA, VA, USDA, and conventional loan products. Similar in mid-size retail-focused model, multi-product breadth, and relationship-led origination strategy.
• Primary Residential Mortgage (PRMI): Retail mortgage lender operating through local branches with full government and conventional product menu. Comparable in branch-driven retail model, diversified loan program mix, and relationship-focused origination approach.
• Guild Mortgage Company: Retail mortgage lender with national branch network offering Conventional, FHA, VA, and USDA products. Similar retail branch model and government-loan emphasis, though larger scale than Capital Family.
• Mann Mortgage: Montana-based retail residential mortgage lender founded in 1988 with multi-state Mountain West presence. Most directly comparable on geographic footprint, product mix (FHA/VA/USDA/Conventional), and relationship-led retail origination model.
• Fairway Independent Mortgage Corporation: Mid-size retail mortgage lender with a strong focus on FHA, VA, and USDA government programs delivered through decentralized branches. Highly comparable product strategy and similar branch-based service model serving regional markets.

Broad incumbents

• Rocket Mortgage: Largest U.S. direct-to-consumer mortgage lender with technology-led application process. Provides competitive pressure on small retail lenders like Capital Family by offering fast digital origination; relevant as the dominant industry-disrupting incumbent.
• Movement Mortgage: Larger retail mortgage lender with broad product menu including government-insured loans. Overlaps on government product offerings but operates at significantly greater scale with proprietary technology and brand investment.
• Caliber Home Loans: National mortgage originator and servicer with retail and direct-to-consumer channels offering government and conventional products. Comparable on full retail product set though much larger scale and capital structure.
• loanDepot: Large national retail and direct-to-consumer mortgage lender offering the same product set (Conventional, FHA, VA, USDA) and refinance services. Comparable on product breadth but operates at national scale with hybrid retail/digital channels.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/CapitalFamilyMortgage
• Instagraminstagram.com/capitalfamilymortgage
• Xx.com/CapFamMortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Capital Family Mortgage