What Activus Home Loans does

Activus Home Loans, operating under Activus Corporation, is a privately held residential mortgage banker and broker founded in 1998 and headquartered in Irvine, California. The company originates home purchase and refinance mortgages for individual consumers, including first-time homebuyers, existing homeowners seeking rate or cash-out refinances, real estate investors, and military veterans eligible for VA loan benefits. It holds NMLS #307057 and is licensed to operate across five U.S. states: California, Virginia, Maryland, New Jersey, and Washington.

The company's core product suite spans Fixed Rate mortgages (10-30 year terms), Adjustable Rate Mortgages (3/1, 5/1, 7/1 ARMs), FHA loans with 3.5% minimum down, and VA loans with 0% down. These are delivered through a multi-lender wholesale network, allowing Activus to offer borrowers comparison shopping across multiple lending partners via a single application channel. Application entry points include a short online form, a full Uniform Residential Loan Application (Form 1003) with account login, downloadable PDFs, and a phone-based consultative sales line (888-784-2511). Supporting tools include five mortgage calculators (monthly payment, bi-weekly, affordability, amortization, refinance) and educational content such as FAQs and a glossary. The disclosed technology stack is standard: web-based application systems secured with 256-bit SSL encryption, with no proprietary platform, no mobile apps, no public API, and no disclosed AI/ML capabilities.

Activus earns revenue primarily through mortgage origination fees and interest rate margins on loans sourced through its multi-lender network (transaction-fee model). Pricing is quote-based rather than publicly disclosed and varies by borrower credit profile, loan amount, property type, and market conditions. Go-to-market is direct-to-consumer with a phone-led inside sales motion supplemented by website-based lead capture, educational content marketing, and published customer testimonials. The company operates with 11-50 employees, holds no disclosed venture capital or private equity backing, and shows no funding rounds, acquisitions, or material corporate structural moves in the available data.

Name

Activus Home Loans

Legal name

Activus Corporation

Website

https://myactivus.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Activus Home Loans is a privately held Irvine, California-based residential mortgage banker and broker originating purchase, refinance, FHA, and VA loans for individual consumers across five U.S. states through a multi-lender wholesale network.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage lending services
• Residential home loans
• FHA VA loans
• Mortgage refinancing
• Home purchase financing

Headquarters

HQ city

Irvine

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, Others

Revenue model

1. Mortgage Origination Fees: Revenue generated from originating mortgage loans for home purchases and refinances. Works with multiple lenders to provide competitive pricing and loan options to customers.
2. Interest Rate Margins: Earns revenue through interest rate spreads on originated mortgage loans by working with multiple lending partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Activus Home Loans is a full-service residential mortgage banker that originates and brokers home purchase and refinance loans for individual consumers across five U.S. states. It sources loan products through a network of multiple lending partners, enabling customers to compare rates and loan terms within a single relationship. Its core products include Fixed Rate Loans, Adjustable Rate Mortgages (ARMs), FHA Loans, VA Loans, and various refinance options including cash-out refinancing.

Product overview

Activus Home Loans is a full-service mortgage banker offering a comprehensive suite of loan products and financial tools. The core offerings include Fixed Rate Loans (10-30 year terms), Adjustable Rate Loans (3/1, 5/1, 7/1 ARMs), FHA Loans (3.5% down), and VA Loans (100% financing for veterans). These loan products are complemented by five mortgage calculators (Monthly Payment, Bi-Weekly, Affordability, Amortization, and Refinance) to help borrowers plan their financing. Application services include a Short Application for quick pre-qualification and a Full 1003 Application for complete loan processing, along with Purchase, Refinance, and Cash-Out refinancing services. The company operates as a mortgage broker working with multiple lenders to provide competitive pricing and tailored solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Loans Fixed-rate mortgage loans with terms of 10, 15, 20, 25, or 30 years. Monthly principal and interest payments remain constant throughout the loan term, providing payment stability and predictability for residential borrowers.
• Adjustable Rate Loans (ARM) Adjustable-rate mortgages including 3/1, 5/1, and 7/1 ARM products. The interest rate is fixed for an initial period of 3, 5, or 7 years and then adjusts annually based on market indexes, generally resulting in lower initial payments.
• FHA Loans Federal Housing Administration insured mortgage loans allowing down payments as low as 3.5%. Designed for borrowers with moderate credit scores (typically 620+) who may not qualify for conventional financing.
• VA Loans Veterans Affairs guaranteed mortgage loans offering up to 100% financing with no down payment required. Features competitive interest rates, no private mortgage insurance, and flexible underwriting standards for eligible military borrowers. Includes both VA purchase loans and VA Interest Rate Reduction Refinance Loans (IRRRL).
• Home Purchase Loans Residential home purchase financing service helping buyers identify the right mortgage program and guiding them through the home buying process from application to closing.
• Refinance Loans (Rate-and-Term) Mortgage refinancing services enabling homeowners to lower monthly payments, change loan terms, or restructure their existing mortgage through rate-and-term refinances.
• Cash-Out Refinance Cash-out refinance option allowing homeowners to borrow against their home equity and receive the difference in cash. Used for debt consolidation, home improvements, or other large expenses.

Quantifiable outcome

• No surprise closings - only surprise should be how quickly loan closes

Named customers4 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

Partnerships

One partnership is on record.

• Multiple Unnamed LenderscoreChannel Partner/ Reseller/ DistributorActivus Home Loans works with multiple lenders to provide competitive mortgage pricing. Unlike big banks restricted to their own loan programs, Activus accesses various lenders to find the best loan scenario for each client. This multi-lender network allows customers to comparison shop without visiting multiple institutions.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• NewRez (Rithm Capital): National mortgage origination and servicing platform offering retail, wholesale, and correspondent channels with conventional and government loan products. Overlaps with Activus in retail mortgage origination but operates at much greater scale with servicing portfolio as a counter-cyclical revenue stream.
• Rocket Mortgage: Industry-leading direct-to-consumer mortgage lender offering conventional, FHA, VA, and Jumbo loans nationally. While much larger and fully digital, it competes with Activus for the same residential purchase and refinance borrowers and has redefined consumer expectations for speed and convenience in mortgage origination.
• loanDepot: National direct-to-consumer and retail mortgage lender offering purchase, refinance, HELOC, and home equity products. Competes with Activus across similar customer segments but at substantially greater scale with proprietary technology platforms.
• Caliber Home Loans: Large-scale mortgage originator and servicer offering purchase, refinance, and home equity products across all 50 states. While significantly larger than Activus, it competes in the same residential mortgage origination space with overlapping product offerings including FHA and VA programs.

Direct peers

• Fairway Independent Mortgage: Large privately held mortgage banker operating across dozens of states with purchase, refinance, FHA, VA, and reverse mortgage products. Closely comparable to Activus in its independent, multi-channel retail model and similar emphasis on relationship-driven loan officer service.
• Guild Mortgage: Privately held mortgage company licensed in multiple states offering purchase, refinance, FHA, VA, and specialized loan programs. Similar in scale, multi-state licensing footprint, and service-oriented positioning to Activus, making it one of the closest direct comparables in the independent mortgage banker segment.
• Cardinal Financial Company: Privately held mortgage banker and wholesale platform offering conventional, government, and non-QM products across multiple states. Directly comparable to Activus as a similarly-sized independent mortgage company with a multi-channel retail and wholesale distribution model.
• Movement Mortgage: Privately held retail mortgage lender with multi-state operations focused on purchase lending and community-based loan officer networks. Comparable to Activus in operating model (retail mortgage banker, multi-state licensed) and target customer segments.
• American Pacific Mortgage: Privately held mortgage banker licensed across multiple Western and Southwestern states offering purchase, refinance, FHA, VA, and jumbo products. Highly comparable to Activus in scale, independent ownership structure, and regional multi-state operating footprint.

Regional players

• Paramount Equity Mortgage: West Coast-focused mortgage lender with similar product offerings (conventional, FHA, VA, refinance) to Activus. Directly comparable as a California-anchored, multi-channel mortgage banker targeting similar borrower segments in overlapping geographic markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/myactivus
• Facebookfacebook.com/myactivusdotcom

Revenue estimate

Valuation estimate

Number of profiles

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 Activus Home Loans