CapitalPlus Mortgage

What CapitalPlus Mortgage does

CapitalPlus Mortgage and Underwriting Services, Inc. is a privately held, Florida-based mortgage lender headquartered at 1337 S. International Parkway in Lake Mary. Operating for more than 25 years under NMLS#204197 and led by Managing Director Rene O. Baril (NMLS#222777), the company originates, underwrites, and reviews residential mortgages for Florida-based individual homebuyers and homeowners, while also providing third-party underwriting and collateral review services to enterprise clients including law firms, REITs, and investment funds. The product suite spans the full residential spectrum - fixed-rate, ARM, hybrid ARM, FHA, VA, USDA, jumbo, HARP 2.0, balloon, reverse, interest-only, and graduated-payment mortgages - supported by an online 1003 application, the LQB consumer portal and LQB loan officer dashboard, a credit score/report tool, and self-service mortgage calculators. Revenue derives primarily from origination transaction fees at closing, plus professional-services fees for underwriting and collateral review engagements with institutional clients.

The go-to-market is sales-led and relationship-driven. CapitalPlus uses a hybrid segmentation approach: individual homebuyers are acquired through direct sales (phone, online application, in-person consultation) supported by a content-heavy website and active mortgage blog; real estate professionals access the proprietary Select Realtor Direct Platform with concierge services bundled at no charge; accounting firms participate in the CPA Direct Program for mutual referrals; and investment firms/REITs retain the firm for ongoing underwriting and packaging support. Pricing is opaque (rates not publicly disclosed) and depends on borrower qualification, loan type, and property. The company markets heavily through SEO-optimized educational content rather than paid channels.

The organization is extremely lean at 1-10 employees, indicating a micro-lender rather than a scaled operation. There is no evidence of institutional capital, M&A activity, geographic expansion beyond Florida, AI/ML capability, or third-party integrations or APIs. CapitalPlus competes on personalized service, local expertise, and professional network reach rather than technology, scale, or cost - a positioning that is defensible in a defined niche but exposed to displacement by digital-first aggregators and rate-shopping platforms.

Name

CapitalPlus Mortgage

Legal name

CapitalPlus Mortgage and Underwriting Services, Inc.

Website

https://capplusmtg.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

CapitalPlus Mortgage and Underwriting Services, Inc. is a Florida-based, privately held mortgage lender offering home purchase and refinance loans, plus third-party underwriting and collateral review services for law firms, REITs, and investment funds, supported by referral partnerships with realtors and CPAs.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industry

Cash-Out Refinance Origination (FSALAAAF)

Keywords

• Residential mortgage lending
• Mortgage origination services
• Underwriting services
• Collateral review
• Home loan programs

Headquarters

HQ city

Lake Mary

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Mortgage Origination Fees: Revenue generated from originating mortgage loans including origination fees, application fees, and processing charges collected at closing
2. Loan Servicing and Interest Income: Revenue from servicing mortgage loans and potential interest income from held mortgages
3. Underwriting and Collateral Review Services: Professional underwriting and collateral review services for other lenders and financial institutions

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

CapitalPlus Mortgage originates residential mortgage loans (purchase and refinance) for Florida consumers, offering a full suite of loan programs including fixed-rate, ARM, FHA, VA, USDA, Jumbo, Reverse, and specialty products. The firm also provides third-party underwriting and collateral review services to other lenders, REITs, and investment firms. Direct-to-consumer origination is supported by an online application portal, document management, and an exclusive realtor referral platform.

Product overview

CapitalPlus Mortgage is a mortgage origination and underwriting services company operating in Florida for over 25 years. The company offers a comprehensive suite of mortgage products including Fixed Rate Mortgages, Adjustable Rate Mortgages (ARMs), Hybrid ARMs, FHA Loans, VA Loans, USDA Loans, Jumbo Loans, HARP 2.0 Refinance, Balloon Mortgages, Reverse Mortgages, Interest Only Mortgages, and Graduated Payment Mortgages. Beyond direct lending, they provide professional underwriting and collateral review services for other mortgage professionals, operate exclusive platforms like the Select Realtor Direct Platform and LQB portal system for both consumers and loan officers, and offer consumer-facing tools including credit score access, mortgage calculators, and online document management. They also run specialized programs such as the CPA Direct Program for accounting firm referrals and Realtor Concierge Services.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Origination Services Core mortgage lending service providing home purchase and refinance loans, including guidance through the complete loan process from application to closing for Florida consumers.
• Underwriting and Collateral Review Services Professional underwriting and collateral review services provided to other mortgage professionals, REITs, CPA firms, and law firms for residential real estate transactions and investment portfolios.
• Realtor Concierge Services Concierge service provided at no additional charge to clients, coordinating real estate transactions and realtor relationships during the home buying process.
• CPA Direct Program Referral partnership program for CPA and accounting firms that provides mortgage services to their clients as part of broader financial planning support.

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender, owned by Rocket Companies, with a digital-first platform and full loan program menu. Comparable as a broad incumbent competing head-to-head with CapitalPlus in retail purchase and refinance, but with vastly superior scale and brand.
• Caliber Home Loans: Large-scale retail and wholesale mortgage lender and servicer with broad product offerings and national footprint. Comparable as a broad incumbent in the same retail mortgage origination category as CapitalPlus but operating at substantially greater scale.
• loanDepot: Large, publicly traded multi-channel mortgage lender (retail, wholesale, consumer direct) offering the full spectrum of loan programs. Comparable to CapitalPlus on retail origination and loan program breadth, but operating at national scale with much heavier digital and marketing investment.

Direct peers

• Paramount Residential Mortgage Group (PRMG): Privately held retail mortgage lender with a broad loan program menu and branch network across the U.S. Highly comparable to CapitalPlus on retail origination, loan program diversity, and privately held structure, with significantly larger geographic footprint.
• New American Funding: Privately owned retail and wholesale mortgage lender offering conventional, government, jumbo, and specialty loan programs with a strong digital platform. Comparable to CapitalPlus on product mix and retail-led go-to-market, with substantially greater scale and brand recognition.
• Prime Lending: National retail mortgage lender with comprehensive loan programs including FHA, VA, USDA, jumbo, and reverse mortgages. Comparable to CapitalPlus on full-spectrum retail origination and product diversification across conventional, government, and specialty segments.
• Guild Mortgage: Multi-channel U.S. retail mortgage lender offering purchase, refinance, FHA, VA, USDA, jumbo, and reverse mortgages through branch and digital channels. Closely comparable to CapitalPlus on product breadth and retail-driven GTM, though at materially larger scale.
• Homebridge Financial Services: Privately held mortgage lender operating in retail, wholesale, and correspondent channels with a comprehensive loan program suite. Comparable to CapitalPlus on privately held, multi-channel retail origination model.
• Embrace Home Loans: Mid-sized retail and wholesale mortgage lender offering conventional, government, and specialty loan programs with regional branch concentration. Comparable to CapitalPlus on retail-focused origination and product diversification, particularly on government and specialty programs.

Others

• ACES Quality Management: Mortgage quality control and due diligence provider serving lenders and investors. Comparable as an adjacent ecosystem participant in the B2B underwriting/collateral review category that CapitalPlus operates in for REIT and fund clients, though ACES is significantly larger and more specialized.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/capitalplus-services

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 CapitalPlus Mortgage