Empire Home Loans

Name

Empire Home Loans

Legal name

Empire Home Loans, Inc.

Website

https://empirehomeloans.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

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

akta.pro primary industry

Home Equity Loan & HELOC Intermediation (FSAEAEAD)

akta.pro secondary industries

Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA), Jumbo / Non-Conforming Mortgage Origination (FSALAAAH), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

Keywords

• Mortgage brokerage services
• Residential loan products
• Home refinancing solutions
• Wholesale lender network
• Loan officer services

Headquarters

HQ city

Sacramento

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

Revenue model

1. Mortgage Origination and Brokerage Fees: As a mortgage brokerage, Empire Home Loans earns revenue through transaction-based fees on funded loans. Loan officers act as brokers matching borrowers with optimal loan products from multiple wholesale lenders. The company does not hold loans in portfolio but facilitates the transaction between borrower and lender.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Empire Home Loans is a mortgage brokerage that connects individual borrowers with top wholesale lenders nationwide through a distributed network of loan officers. Loan officers match consumers to optimal loan products across conventional, FHA, VA, USDA, jumbo, reverse, construction, renovation, DSCR, bank statement, and other specialty programs without investor overlays or pricing restrictions. The company operates on a hybrid retail-and-broker model with a streamlined 3-step process.

Product overview

Empire Home Loans is a mortgage brokerage firm that operates as a hybrid model combining retail lending and broker platform elements. The company connects borrowers with top wholesale lenders nationwide, providing access to multiple investors and loan products including Conventional, FHA, VA, USDA, Jumbo, Reverse Mortgages, Construction, Renovation (203k), DSCR investment loans, Bank Statement loans, and Manufactured Home financing. The company was founded in 2019 by Leo Whitton and Anthony Lombardo, operating as a network of loan officers across 27+ states. Empire Home Loans differentiates through broker-based flexibility, offering alternatives to investor overlays, timeframes, and guidelines to find optimal loan solutions for each borrower's unique situation.

Differentiator

Problem solved

Functional benefit

Brands

• Women's Mortgage Network (WMN): A sub-brand/initiative mentioned in the footer under Brokers are Built

Products and services

• Mortgage Lending Services
• Conventional Loans
• FHA Loans
• VA Loans
• USDA Loans
• Jumbo Loans
• Reverse Mortgages
• Construction Loans
• Renovation Loans
• DSCR Loans
• Bank Statement Loans
• Mobile/Manufactured Home Loans
• HELOC (Home Equity Line of Credit)
• Commercial Loans
• Portfolio Loans
• Divorce Lending Solutions
• Refinancing Services
• Down Payment Assistance Programs
• First-Time Homebuyer Programs

Quantifiable outcome

• Refinance processes can be completed in approximately 2 weeks

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Brokers are BuiltminorOthersAn affiliation or network program for mortgage brokers, mentioned in the company footer alongside Equal Housing Opportunity logo and licensing information.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• NewRez (Rithm Capital): Top-15 US mortgage lender with retail, wholesale (NewRez Wholesale), and servicing operations across all major channels. Competes with Empire for production while also serving as a potential wholesale capital provider.
• loanDepot: Large publicly traded mortgage originator with retail, wholesale (LDWholesale), and joint venture ( mellohome) channels. Competes across the same customer segments as Empire, with greater scale, technology investment, and brand spend.
• Rocket Mortgage: Largest US retail mortgage lender with massive brand recognition, proprietary technology, and captive retail loan officers. Competes against Empire for consumer mindshare while also operating Rocket Pro TPO for brokers—making it both competitor and indirect partner.
• Caliber Home Loans: National mortgage lender with retail, wholesale (Caliber Wholesale), and correspondent channels, including specialty non-QM and bank statement programs that overlap with Empire's specialty product set.

Emerging players

• Better.com: Digital-first mortgage lender focused on direct-to-consumer origination with proprietary technology. Represents the emerging competitive threat to traditional broker models like Empire Home Loans.

Direct peers

• United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender, providing the wholesale platform that Empire Home Loans and other independent mortgage brokers rely on for loan products. UWM is a key upstream counterparty whose pricing, technology (Blink), and policy decisions directly shape Empire's offering set.
• PRMG (Paramount Residential Mortgage Group): Large retail and wholesale mortgage lender with a distributed branch and loan officer model across 40+ states. Direct competitor for producer recruitment and product breadth, particularly in specialty programs like DSCR, bank statement, and renovation loans.
• CrossCountry Mortgage: Large retail mortgage lender with a rapidly expanding distributed loan officer model across most US states. Competes with Empire for experienced loan officer recruitment and similar product breadth.
• Movement Mortgage: Retail mortgage lender with a distributed loan officer model and broad product menu, including conventional, government, and specialty programs. A direct competitor for Empire's loan officer recruitment and production share across multiple states.
• Fairway Independent Mortgage Corporation: Large retail and wholesale mortgage lender operating a distributed branch model across most US states, similar to Empire Home Loans' distributed loan officer network. Competes head-to-head for loan officer recruitment and borrower relationships in overlapping states.

Market position

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ehloans
• LinkedInlinkedin.com/company/empirehomeloans

Compliance3 records

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 Empire Home Loans