CREDIT COURTIER DE FRANCE
Crédit Courtier de France is a French mortgage brokerage network operating 22 physical agencies across eight regions, with 68 expert brokers connecting individual and SMB borrowers to 21 partner banks for mortgage and consumer credit origination under a zero-fee-to-borrower model.
- Company typePrivate
- Founded2014
- HeadquartersOrvault, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What CREDIT COURTIER DE FRANCE does
Crédit Courtier de France (CCDF) is a French mortgage brokerage network founded in 2014 by Eric Lainé, currently operating 22 physical agencies across eight regions including Loire-Atlantique, Nouvelle-Aquitaine, Bretagne, Île-de-France, Auvergne-Rhône-Alpes, Charente, Charente-Maritime, and Occitanie. The network was assembled through three sequential integrations: Elyssio Capital (founded 2004 by Laurent Hallet) joined in September 2023, Les Courtiers Bordelais (founded 2016 by Thomas Barbarin and Nicolas Villar) joined in May 2024, and the original CCDF brand integrated into the unified group in January 2025, with a consolidated group identity launched in September 2025. The group employs 68 expert brokers and positions itself as an 'artisan courtier augmenté' — an augmented human-advisor model rather than a digital-only platform.
The company's core product is mortgage brokerage, connecting individual and SMB borrowers with 21 partner banks (Crédit Agricole, BNP Paribas, Banque Populaire, Caisse d'Épargne, La Banque Postale, Crédit Mutuel de Bretagne/Sud-Ouest/Océan, Société Générale, LCL, Banque Palatine, CFCAL, Mymoneybank, RiverBank, CGI Finance, WeShareBonds, Financo, Pledger, Creatis, Younited, Corhofi) to negotiate loan conditions. The service portfolio extends across primary residence, secondary residence, buy-to-let investment, bridge loans (prêt relais), in-fine loans, rachat de soulte, renovation financing (travaux), murs professionnels, and consumer credit (auto/moto, camping-car/van, bateau, mobil-home, personal). Supporting these are six self-serve online simulators covering borrowing capacity, mortgage calculation, mortgage guarantees, loan smoothing, refinancing, and PTZ eligibility, plus a real estate blog generating SEO and content marketing.
CCDF operates a zero-fee-to-borrower model: clients pay no brokerage or bank file fees and no banking domiciliation is required, with the network compensated through commissions from lending banks, sellers, or property owners upon successful transaction closure. Additional revenue comes from affiliate referrals to Rhinov (interior decoration) and Maisons du Monde (furniture) for clients completing purchases. Customer acquisition is dominated by word-of-mouth referrals (90% of clients) and recommendations from real estate professionals, supplemented by content marketing, SEO, social media on Facebook/LinkedIn, and email newsletters. Customer segments served include first-time buyers (primo-accédants, primary), property investors, existing owners refinancing or consolidating debt, and consumer credit seekers.
CREDIT COURTIER DE FRANCE firmographics
Firmographics- Name
- CREDIT COURTIER DE FRANCE
- Legal name
- Crédit Courtier de France
- Website
- https://creditcourtierdefrance.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Crédit Courtier de France is a French mortgage brokerage network operating 22 physical agencies across eight regions, with 68 expert brokers connecting individual and SMB borrowers to 21 partner banks for mortgage and consumer credit origination under a zero-fee-to-borrower model.
- Ownership category
- akta.pro rank
CREDIT COURTIER DE FRANCE industry classification
Industry- Product category
- Mortgage Brokerage Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Wholesale Mortgage Lending (Broker Channel) (FSALACAA)
Keywords
Where CREDIT COURTIER DE FRANCE is headquartered
LocationHeadquarters
- HQ city
- Orvault
- HQ country
- France
- HQ region
- Europe
Offices22 records
Markets served
CREDIT COURTIER DE FRANCE business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage brokerage commissions: The company acts as an intermediary between clients seeking loans and banking partners. For buyers/renters, services are free; the company is paid commission by the seller, property owner, or lending bank upon successful loan completion. Consumer credit services also charge no brokerage fees (0€ frais de courtage) and no bank file fees.
- Partner offers (moving services): Partnership revenues through affiliated offers for home services: Rhinov online interior decoration access and Maisons du Monde preferential rates on furniture for clients completing property purchases.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Free service for property buyers - commission-based from banks/sellers |
| Other | Pay-as-you-go | Consumer credit - 0€ brokerage and 0€ bank fees |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
CREDIT COURTIER DE FRANCE product offering
Product offeringCore offering
Crédit Courtier de France is a French mortgage brokerage network operating 22 physical agencies across France, employing 68 expert brokers who negotiate real estate loan conditions with 21+ partner banks on behalf of individual clients. Services are free for buyers and consumers, with the company earning commissions from lending banks, sellers, or property owners upon successful loan completion; consumer credit brokerage is offered with zero brokerage fees and no bank file fees.
Product overview
Crédit Courtier de France is a network of 22 mortgage brokerage agencies offering a comprehensive suite of real estate and consumer financing services. The core offering is mortgage brokerage (courtage en prêt immobilier), which connects clients with 21+ partner banks to negotiate optimal loan conditions. The service portfolio includes specialized mortgage products for primary residence, secondary homes, buy-to-let investments, bridge loans, renovation financing, professional premises, in-fine loans, and consumer credit (personal loans, auto loans, boat loans, camping-car loans, mobile-home loans). Supporting the core brokerage services are six digital simulation tools enabling clients to independently calculate borrowing capacity, credit costs, mortgage fees, loan smoothing, refinancing options, and zero-interest loan eligibility. The company also operates a content blog providing real estate market intelligence and practical advice.
Differentiator
Problem solved
Functional benefit
Products and services
- Courtage en prêt immobilier (Mortgage Brokerage)
Quantifiable outcome
- 52,000+ satisfied clients served since founding
- +3 more outcomes
Companies that use CREDIT COURTIER DE FRANCE
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
CREDIT COURTIER DE FRANCE technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
CREDIT COURTIER DE FRANCE partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered core and minor.
- Crédit AgricolecoreMajor French banking group and key financing partner. Provides mortgage lending products through Crédit Courtier de France brokerage network.
- BNP ParibascoreLarge French banking group offering comprehensive mortgage and consumer credit products through the CCDF network.
- Banque PopulairecoreFrench cooperative banking group providing competitive mortgage rates and personalized banking services.
- Caisse d'ÉpargnecoreFrench savings bank offering mortgage products through the brokerage network.
- La Banque PostalecorePostal banking arm of French government providing accessible banking and mortgage solutions.
- Crédit Mutuel de BretagnecoreRegional mutual banking group serving Brittany with mortgage products through CCDF.
- Crédit Mutuel du Sud-OuestcoreSouthwest France regional mutual bank partner.
- Société GénéralecoreMajor French banking group providing commercial and investment banking services.
- LCLcoreFrench bank focused on retail and small business banking services.
- Banque PalatinecoreBanking subsidiary offering private banking and professional mortgage solutions.
- CFCAL (Crédit Foncier et Communautaire d'Alsace-Lorraine)coreRegional banking institution serving Alsace-Lorraine region.
- MymoneybankcoreOnline bank offering competitive consumer credit and mortgage products.
- RiverBankcoreDigital banking platform providing mortgage and lending solutions.
- CGI FinancecoreConsumer and real estate finance specialist.
- Crédit Mutuel OcéancoreAtlantic coast regional mutual banking partner.
- WeShareBondscoreP2P lending platform offering alternative financing options.
- FinancocoreConsumer credit specialist for personal and auto loans.
- PledgercoreLoan and mortgage brokerage platform.
- CreatiscoreConsumer credit and mortgage specialist.
- YounitedcoreOnline P2P lending platform providing competitive consumer and mortgage loans.
- CorhoficoreDigital mortgage and home loan specialist.
- RhinovminorInterior decoration service partner offering exclusive access to CCDF clients for home styling after property purchase.
- Maisons du MondeminorHome furnishings retailer offering preferential rates and special offers to CCDF clients completing property purchases.
Scale indicators9 records
Recent moves8 records
Expansion highlights5 records
CREDIT COURTIER DE FRANCE competitors and assessment
Company assessmentEmerging players
- Pretto: Digital-first French mortgage broker focused on a fully online user experience for first-time buyers; competes for the same primary segment as CCDF (primo-accédants) but from an opposite (no-agency) model.
Direct peers
- Cafpi: Largest mortgage broker network in France with a national agency footprint, offering similar residential and consumer credit intermediation across many bank partners. Most direct analogue to CCDF's model.
- ACE Crédit: Specialized French consumer-credit and mortgage broker combining physical and digital channels; comparable to CCDF on the consumer credit / personal project loan side of the offering.
- Meilleurtaux: Major French mortgage and insurance broker with a hybrid physical-agency and digital platform; competes head-to-head with CCDF on rate comparison and bank intermediation, including first-time buyer (PTZ) advisory.
- Vousfinancer: National French mortgage broker network with regional agencies operating under the same intermediary model (negotiation with multiple banks, no upfront fee for borrowers), directly overlapping CCDF's GTM and value proposition.
- Immoprêt: French mortgage broker network with physical agency presence in multiple regions; positioned similarly to CCDF, providing personalized broker-led advisory with bank panel access.
- Solutis: Independent French mortgage and consumer credit broker with a comparable full-service offering (primary residence, investment, refinancing) and a model focused on accompaniment by individual advisors.
- AB Courtage: Independent French mortgage broker with multi-bank agreements and offices across regions; offers services close to CCDF including refinancing, investment loans, and consumer credit.
- In&Fi Crédits: National French mortgage and consumer credit intermediary with a multi-bank panel and agency-based distribution; one of the established broker networks competing in the same regional footprints as CCDF.
Broad incumbents
- Empruntis: Long-established French mortgage comparison and intermediation platform under the Kereis group; leads in rate comparison content and lead generation, serving as a competitor and a top-of-funnel source compared to CCDF's online calculators.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
CREDIT COURTIER DE FRANCE social profiles
Digital presenceCREDIT COURTIER DE FRANCE financial estimates
Financial estimateRevenue estimate
Valuation estimate
CREDIT COURTIER DE FRANCE leadership team
Management profileNumber of profiles
Profiles6 records
CREDIT COURTIER DE FRANCE subsidiaries and ownership
Company hierarchySubsidiaries2 records
CREDIT COURTIER DE FRANCE funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CREDIT COURTIER DE FRANCE M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CREDIT COURTIER DE FRANCE
What does CREDIT COURTIER DE FRANCE do?
Crédit Courtier de France is a French mortgage brokerage network operating 22 physical agencies across France, employing 68 expert brokers who negotiate real estate loan conditions with 21+ partner banks on behalf of individual clients. Services are free for buyers and consumers, with the company earning commissions from lending banks, sellers, or property owners upon successful loan completion; consumer credit brokerage is offered with zero brokerage fees and no bank file fees.
Is CREDIT COURTIER DE FRANCE a public or private company?
CREDIT COURTIER DE FRANCE is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CREDIT COURTIER DE FRANCE founded?
CREDIT COURTIER DE FRANCE was founded in 2014. It employs 11 to 50 people.
Where is CREDIT COURTIER DE FRANCE based?
CREDIT COURTIER DE FRANCE is headquartered in Orvault, France, in the Europe region.
How does CREDIT COURTIER DE FRANCE make money?
Two revenue lines are on record. Mortgage brokerage commissions are the primary driver. The others are partner offers (moving services).
Who are CREDIT COURTIER DE FRANCE's main competitors?
Pretto is listed as an emerging player. Direct peers are Cafpi, ACE Crédit, Meilleurtaux, Vousfinancer, Immoprêt, Solutis, AB Courtage and In&Fi Crédits. Empruntis is listed as a broad incumbent.
Does CREDIT COURTIER DE FRANCE have an API?
No public API is recorded for CREDIT COURTIER DE FRANCE.
What industry is CREDIT COURTIER DE FRANCE in?
CREDIT COURTIER DE FRANCE's product category is Mortgage Brokerage Services. Its primary akta.pro industry code is FSALACAA, Wholesale Mortgage Lending (Broker Channel). Its NAICS code is 522310 and its SIC code is 6163.