Countrywide Mortgage Lenders
Countrywide Mortgage Lenders (CML Direct) is a Florida-licensed mortgage brokerage that shops borrower loans across 50+ wholesale lenders to source competitive rates for first-time buyers, repeat buyers, self-employed borrowers, and real estate investors statewide.
- Company typePrivate
- Founded-
- HeadquartersAltamonte Springs, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Countrywide Mortgage Lenders does
Countrywide Mortgage Lenders, operating as CML Direct, is a Florida-licensed mortgage brokerage (NMLS #1740666) founded and led by Robert Vazquez, a 23-year industry veteran. The firm operates as a broker rather than a direct lender, shopping borrower loan requests across more than 50 wholesale lenders to source competitive rates and program eligibility, and earns revenue primarily through lender-paid origination fees and yield spread premiums on closed transactions. Its product portfolio spans eight loan programs — Conventional, FHA, VA, Jumbo, DSCR Investor, Bank Statement, Construction, and Non-QM/Specialty — covering the full credit spectrum from government-insured first-time buyer financing to investor-focused debt-service-coverage-ratio and alternative-documentation products.
The company's technology stack centers on a digital self-serve pre-approval application (my1003app.com) that promises 24-hour pre-approval turnarounds, a Realtor-facing partner portal with co-branded application links and live loan-progress tracking, and an interactive mortgage calculator suite for payment, affordability, and refinance estimation. Customer acquisition runs through four parallel channels: the digital application, inbound phone-based loan officer engagement, referral partnerships with real estate agents, and a recently introduced branch/entrepreneurial model inviting licensed loan officers and branch managers to operate under the CML Direct brand. Marketing is anchored on Florida-focused educational content and SEO targeting investor and self-employed borrower topics.
Geographically the firm is single-state, licensed only in Florida, serving first-time homebuyers, repeat buyers, self-employed borrowers, and real estate investors across Orlando, Tampa, Miami, and Jacksonville. The firm employs 11-50 people, generates transaction-fee revenue with no institutional capital or disclosed funding rounds, and operates as a privately held LLC under founder ownership. Regulatory posture includes documented compliance with RESPA, TILA, and FCRA and Equal Housing Lender designation.
Countrywide Mortgage Lenders firmographics
Firmographics- Name
- Countrywide Mortgage Lenders
- Legal name
- Countrywide Mortgage Lenders, LLC
- Website
- https://cmldirect.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Countrywide Mortgage Lenders (CML Direct) is a Florida-licensed mortgage brokerage that shops borrower loans across 50+ wholesale lenders to source competitive rates for first-time buyers, repeat buyers, self-employed borrowers, and real estate investors statewide.
- Ownership category
- akta.pro rank
Countrywide Mortgage Lenders industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industries
- Commercial Mortgage Brokerage (FSAEAEAB), Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)
Keywords
Where Countrywide Mortgage Lenders is headquartered
LocationHeadquarters
- HQ city
- Altamonte Springs
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Countrywide Mortgage Lenders business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Mortgage Origination Fees: Earn origination fees from lenders when loans close; as a broker, the company shops across dozens of wholesale lenders to find best rates for customers, earning compensation through lender-paid origination fees and yield spread premiums.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Countrywide Mortgage Lenders product offering
Product offeringCore offering
Countrywide Mortgage Lenders (dba CML Direct) is a Florida-licensed mortgage brokerage that shops across 50+ wholesale lenders to source mortgage loans for Florida homebuyers, homeowners, and real estate investors. The firm originates and arranges purchase mortgages, refinances, and specialized loan programs (DSCR investor, bank statement, construction, non-QM) and earns lender-paid origination fees and yield spread premiums upon closing.
Product overview
Countrywide Mortgage Lenders (CML Direct) operates as a Florida-licensed mortgage brokerage offering a unified platform of mortgage products and services. The core offering consists of eight loan programs: Conventional, FHA, VA, Jumbo, DSCR Investor, Bank Statement, Construction, and Non-QM/Specialty loans. These are complemented by digital tools including an online pre-approval application, mortgage calculator suite, and a partner portal for referral partners. The company functions as a broker model, shopping across 50+ wholesale lenders to find optimal rates and programs for borrowers. The platform also includes refinance solutions and purchase financing for first-time buyers, repeat buyers, investors, and self-employed borrowers.
Differentiator
Problem solved
Functional benefit
Products and services
- Conventional Loans
Quantifiable outcome
- Pre-approval in as little as 24 hours
- +2 more outcomes
Companies that use Countrywide Mortgage Lenders
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Countrywide Mortgage Lenders technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Countrywide Mortgage Lenders partnerships and signals
Strategic signalScale indicators2 records
Recent moves5 records
Expansion highlights5 records
Countrywide Mortgage Lenders competitors and assessment
Company assessmentEmerging players
- Lower.com: Digital mortgage broker and direct lender offering streamlined online purchase and refinance experience; competes with CML Direct's digital application and dedicated loan officer model.
- Better.com: Digital-first mortgage lender using streamlined online application; competes with CML Direct's my1003app.com platform for tech-savvy purchase and refinance customers.
Direct peers
- LendingTree: Online mortgage brokerage marketplace connecting borrowers with multiple lenders; comparable to CML Direct's broker model of shopping across many lenders for consumer and refinance loans.
- Angel Oak Mortgage Solutions: Specialty non-QM lender focused on self-employed, investor, and non-conforming borrowers; comparable to CML Direct's bank statement, DSCR, and non-QM programs.
- Paramount Residential Mortgage Group: Retail and wholesale mortgage lender with branch-based expansion model similar to CML Direct's branch opportunity program, offering conventional, FHA, VA, and non-QM products.
- Caliber Home Loans: Non-QM and investor-focused mortgage lender with strong DSCR and bank statement programs; directly comparable to CML Direct's niche offerings for investors and self-employed borrowers.
Broad incumbents
- United Wholesale Mortgage: Largest U.S. wholesale mortgage lender; represents the wholesale channel that CML Direct accesses through its 50+ lender panel, providing the upstream supply of brokered loan products.
- loanDepot: National retail and wholesale mortgage lender offering conventional, FHA, VA, and non-QM products; overlaps with CML Direct's product mix and Florida market presence but at much larger scale.
- NewRez (Shellpoint Mortgage Servicing): Top-15 U.S. mortgage lender and servicer with retail and wholesale channels; comparable wholesale partner profile and conventional/government loan offerings to CML Direct's product suite.
- Rocket Mortgage: Largest U.S. retail mortgage lender with strong digital brand; competes with CML Direct for purchase and refinance borrowers in Florida but operates as a direct lender rather than broker.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Countrywide Mortgage Lenders social profiles
Digital presenceCountrywide Mortgage Lenders compliance and trust
Trust signalCompliance5 records
Countrywide Mortgage Lenders financial estimates
Financial estimateRevenue estimate
Valuation estimate
Countrywide Mortgage Lenders leadership team
Management profileNumber of profiles
Profiles1 record
Countrywide Mortgage Lenders funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Countrywide Mortgage Lenders 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 Countrywide Mortgage Lenders
What does Countrywide Mortgage Lenders do?
Countrywide Mortgage Lenders (dba CML Direct) is a Florida-licensed mortgage brokerage that shops across 50+ wholesale lenders to source mortgage loans for Florida homebuyers, homeowners, and real estate investors. The firm originates and arranges purchase mortgages, refinances, and specialized loan programs (DSCR investor, bank statement, construction, non-QM) and earns lender-paid origination fees and yield spread premiums upon closing.
Is Countrywide Mortgage Lenders a public or private company?
Countrywide Mortgage Lenders is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Countrywide Mortgage Lenders founded?
Countrywide Mortgage Lenders was founded in -1. It employs 11 to 50 people.
Where is Countrywide Mortgage Lenders based?
Countrywide Mortgage Lenders is headquartered in Altamonte Springs, United States, in the North America region.
How does Countrywide Mortgage Lenders make money?
One revenue line is on record: mortgage Origination Fees.
Who are Countrywide Mortgage Lenders's main competitors?
Emerging players on record are Lower.com and Better.com. Direct peers are LendingTree, Angel Oak Mortgage Solutions, Paramount Residential Mortgage Group and Caliber Home Loans. Broad incumbents are United Wholesale Mortgage, loanDepot, NewRez (Shellpoint Mortgage Servicing) and Rocket Mortgage.
Does Countrywide Mortgage Lenders have an API?
No public API is recorded for Countrywide Mortgage Lenders.
What industry is Countrywide Mortgage Lenders in?
Countrywide Mortgage Lenders's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSAEAEAB, Commercial Mortgage Brokerage. Its NAICS code is 522310 and its SIC code is 6163.