CTC Mortgage

What CTC Mortgage does

CTC Mortgage Company LLC is a Florida-headquartered residential mortgage lender operating as a subsidiary of The Kolter Group LLC conglomerate. The company originates and funds a broad spectrum of residential mortgage products, including conventional agency loans, government-backed programs (FHA, VA, USDA), jumbo mortgages, and a suite of specialty/non-QM products such as DSCR, Bank Statement, and Foreign National loans targeting real estate investors and non-traditional income borrowers. Distribution is delivered through four branch locations across four Southeastern states (Florida, Georgia, North Carolina, and South Carolina), supplemented by an online application portal that supports digital lead capture and self-service application intake. The company is privately held, with no public financials, headcount, or ownership disclosures beyond the Kolter Group parent affiliation.

The business model is conventional retail mortgage origination: revenue is generated primarily through net origination fees on funded loans, secondary marketing gains on loans sold into the secondary market, and interest income on loans held in portfolio during the warehouse-to-sale window. Loan officer and Realtor referral relationships drive customer acquisition, with the parent Kolter Group's real estate development activity providing a potential captive demand channel. The company holds state-level mortgage lending licenses and NMLS registration as required, with GSE (Fannie Mae / Freddie Mac) seller/servicer approvals implied by conventional loan delivery capability.

Operationally, CTC Mortgage presents as a mid-tier regional originator competing against national retail lenders (Rocket, UWM, loanDepot), direct-to-consumer disruptors (Better, Rocket Pro), and credit unions / community banks in its footprint. Differentiation rests on multi-state Southeast reach, specialty program depth for the investor segment, and the Kolter Group ecosystem, rather than on technology scale, brand recognition, or cost-of-funds advantage.

Name

CTC Mortgage

Legal name

CTC Mortgage Company LLC

Website

https://ctcmortgage.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

CTC Mortgage Company LLC is a Florida-based retail residential mortgage lender offering conventional, FHA, VA, USDA, jumbo, and specialty (DSCR, Bank Statement, Foreign National) loans through four branches in FL, GA, NC, and SC.

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

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industry

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

Keywords

• Mortgage lending
• Home purchase loans
• Mortgage refinance
• Specialty mortgage programs
• Loan origination

Headquarters

HQ city

West Palm Beach

HQ country

United States

HQ region

North America

Offices5 records

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: CTC Mortgage generates revenue through mortgage loan origination, including origination fees, points purchased, and interest rate spreads on closed loans. The company offers conventional, FHA, VA, USDA, jumbo, and specialty loan programs.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

CTC Mortgage originates residential mortgage loans for purchase, refinance, and home equity borrowing across conventional, government-backed, jumbo, and specialty/non-QM programs. Loans are delivered through local branch offices in four southeastern US states and an online application portal, with rates personalized to each borrower's credit profile and loan parameters. The company serves a broad range of borrowers including first-time buyers, investors, self-employed individuals, veterans, foreign nationals, and seniors.

Product overview

CTC Mortgage is a mortgage lending company offering a comprehensive suite of loan products across conventional, government-backed, and specialty mortgage categories. Their core offerings include traditional purchase loans (Conventional, FHA, VA, USDA, Jumbo) and refinancing options (Cash-Out, IRRRL, HELOC). The company differentiates through specialty programs for non-traditional borrowers including DSCR Loans and Bank Statement Loans for investors and self-employed individuals, Foreign National Loans for international buyers, and Portfolio Loans for complex situations. Additional niche products include Reverse Mortgages for seniors, Homestyle Renovation Loans for home improvements, and Condotel/Non-Warrantable Condo Loans for unique property types. The company operates with digital platforms including an online application portal and borrower portal for remote mortgage processing, serving Florida, Georgia, North Carolina, and South Carolina.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Home Loans Standard mortgage loans backed by Fannie Mae and Freddie Mac for primary residences with down payments as low as 3-5%, targeting borrowers with conventional credit profiles.
• FHA Home Loans Government-insured mortgages requiring as little as 3.5% down and accepting lower credit scores, designed primarily for first-time homebuyers.
• VA Home Loans Mortgages for eligible veterans and service members offering competitive rates with no down payment and no private mortgage insurance (PMI) requirement.
• USDA Home Loans Zero down payment government-backed loans for eligible rural and suburban homebuyers in designated areas with applicable income limits.
• Jumbo Loans Mortgages exceeding conventional conforming loan limits for high-value properties, typically requiring larger down payments and stricter credit qualifications.
• First-Time Home Buyer Loans Specialized loan programs and educational resources tailored for first-time homebuyers, including flexible qualification criteria.
• Florida Hometown Heroes Housing Program State-sponsored down payment assistance program for Florida educators, healthcare workers, law enforcement, and other essential workers purchasing a home.
• Cash-Out Refinance Refinancing option allowing homeowners to borrow against their accumulated home equity and receive the difference in cash at closing.
• VA Streamline Refinance (IRRRL) Streamlined refinance program for existing VA loan holders offering reduced documentation requirements and competitive rates.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity that lets borrowers draw funds as needed and pay interest only on the amount used.
• Reverse Mortgage Loans HECM loans that allow homeowners aged 62 and older to convert home equity into cash without monthly mortgage payments, repaid when the home is sold or the borrower no longer occupies it.
• Investment Property Loans Mortgages for purchasing rental properties and vacation homes, including DSCR and portfolio loan options for real estate investors.
• Foreign National Mortgage Loans Loan programs for non-U.S. citizens purchasing property in the U.S., accepting foreign income and assets without requiring U.S. credit history.
• Bank Statement Loans Alternative documentation loans for self-employed borrowers who qualify based on 12-24 months of bank statements rather than tax returns.
• DSCR Loans Debt Service Coverage Ratio loans that qualify real estate investors based on rental property cash flow rather than personal income documentation.
• Portfolio Loans Custom mortgages kept in-house by the lender for non-conforming borrowers or properties that fall outside standard Fannie Mae, Freddie Mac, FHA, VA, or USDA guidelines.
• Homestyle Renovation Loans Fannie Mae renovation mortgages that combine home purchase or refinance with renovation costs in a single loan, financing up to 75% of the improved value.
• Condotel Loans Financing for condotel properties combining residential ownership with hotel-style operations and short-term rental income potential.
• Non-Warrantable Condo Loans Loans for condominiums that do not meet Fannie Mae or Freddie Mac eligibility guidelines, often due to short-term rental use, high investor concentration, or other non-conforming features.

Quantifiable outcome

• Loans can be approved and funded in less than 21 days from application submission

Named customers6 records

Segments6 records

Ideal customer profiles6 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.

• Kolter Group LLCminorOthersAffiliated company under common control with CTC Mortgage. CTC Mortgage Terms of Use and Privacy Policy include Kolter Group LLC and its subsidiaries as affiliated entities. Part of the broader Kolter corporate family.

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Homepoint (Homepoint Capital): Mid-size wholesale and retail mortgage lender. Comparable as a multi-channel residential lender offering agency and government products across multiple states.
• Caliber Home Loans: Mid-size retail and wholesale mortgage lender with material non-QM and specialty product emphasis. Comparable to CTC on the specialty-loan side (DSCR, bank statement) and branch-based retail channel.
• Movement Mortgage: Private, founder-led retail mortgage lender with branch-based model and strong Southeast presence. Highly comparable to CTC: similar branch-led retail origination, broad product suite, and emphasis on loan-officer relationships.
• Guild Mortgage: Public mid-size retail mortgage lender with strong specialty/non-QM focus including manufactured housing and government lending. Comparable product breadth including specialty programs serving underserved borrowers.
• Paramount Residential Mortgage Group (PRMG): Large private retail and wholesale mortgage lender offering Conventional, FHA, VA, USDA, and extensive non-QM products (DSCR, bank statement, foreign national). Closely comparable to CTC on product breadth and non-QM specialization.
• Fairway Independent Mortgage: Large private retail mortgage lender with branch network across multiple states. Closely comparable to CTC on branch-led retail model, broad conventional + government product suite, and mid-size regional positioning.

Broad incumbents

• Rocket Mortgage: Industry-leading direct-to-consumer mortgage originator owned by Rocket Companies. Comparable as a full-spectrum residential lender (agency, FHA, VA, jumbo), but with national digital scale and brand reach that dwarfs regional players like CTC.
• United Wholesale Mortgage (UWM): Largest U.S. mortgage lender by volume; primarily wholesale channel. Comparable as a broad mortgage originator competing for loan officer and broker mindshare, though UWM operates at vastly greater scale and through independent broker partners.
• loanDepot: Public national mortgage originator (LDI) with retail, wholesale, and consumer-direct channels. Comparable product offering across agency, government, and specialty products; competes with CTC for retail branch and consumer-direct borrower share.
• NewRez (Newcastle Investment Holdings): National mortgage originator and servicer offering agency and non-QM products including DSCR and foreign national loans. Comparable as a broad-based lender with both retail and wholesale channels and significant specialty/non-QM franchise overlap.

Market position

Competitive moat4 records

Key highlights7 records

Customer concentration

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 CTC Mortgage