What Tithe Lending does

Tithe Lending, LLC is a privately held, independently operated mortgage lender headquartered in Westerville, Ohio, conducting business across seven U.S. states (Ohio, Florida, Texas, North Carolina, South Carolina, Missouri, and Wisconsin) under NMLS license #2439006. The company originates and refinances residential mortgage loans through a sales-led model, offering purchase mortgages, conventional and government-backed refinance products (including FHA and VA loans), a streamlined VA refinance, hybrid ARM and buydown options, down payment assistance, cash-out refinancing, and an affinity-based "Homes for Heroes" program for veterans, first responders, and community professionals. Its technology stack is modest: an online inquiry and application intake flow, public-facing mortgage calculators, and a manual loan-advisor consultation workflow that pre-reviews borrower information before personalized recommendations are issued. No mobile app, API, or SDK is disclosed, and the company's only technology-specific differentiation is the operational integration of the "Mortgage on a Mission" giving program, which routes 10% of transaction proceeds to the Tithe Foundation.

Tithe Lending generates revenue through mortgage origination transaction economics, primarily closing costs and origination-related fees, while explicitly waiving origination fees on refinance products. Pricing is quote-based and not publicly disclosed; customers submit short intake forms and receive customized options from a loan advisor, typically within 24 hours. The go-to-market motion is direct-to-consumer via the company's website, supplemented by organic social presence on Facebook, Instagram, and LinkedIn, an email newsletter with rate-drop alerts, and bottom-of-funnel realtor referral partnerships — most notably through the Homes for Heroes network, which matches certified realtors to qualifying borrowers. The customer base is distributed across five primary segments: veterans and active-duty military, first-time homebuyers, community heroes (police, fire, medical, teachers), non-conventional credit borrowers served via FHA programs, and home equity seekers pursuing cash-out refinancing. Distribution is regional (Midwest, Southeast, Southwest), and the company offers no mobile application, public API, or disclosed integrations beyond the Homes for Heroes affinity partnership.

Name

Tithe Lending

Legal name

Tithe Lending, LLC

Website

https://tithelending.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Tithe Lending is a privately held Ohio-based mortgage lender originating purchase and refinance loans across seven U.S. states, specializing in VA, FHA, down payment assistance, and a Homes for Heroes affinity program for military and community professionals.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Bridge & Short-Term Real Estate Loan Intermediation (FSAEAEAG)

Keywords

• Mortgage lending services
• Home purchase loans
• Mortgage refinancing
• VA loan programs
• FHA loan services

Headquarters

HQ city

Westerville

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: Tithe Lending generates revenue through originating mortgage loans for home purchases and refinances. They charge closing costs and earn origination fees on completed transactions. The company offers no origination fees on refinances, suggesting revenue is generated through closing costs, loan servicing, or other fee structures.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Tithe Lending is a residential mortgage lender that originates purchase mortgages, refinance loans, and government-backed (VA and FHA) home loans for individual consumers across Ohio, Florida, Texas, North Carolina, South Carolina, Missouri, and Wisconsin. The company's offering is differentiated by a faith-based giving component, under which 10% of every transaction's proceeds are donated to the Tithe Foundation. It supports borrowers via online applications and dedicated loan advisors.

Product overview

Tithe Lending operates as a mortgage lending company offering a unified platform of home purchase and refinance loan products. The core offerings consist of Purchase Mortgages and Refinance Mortgages, supported by specialized loan programs including VA Loans, VA Easy Refinance (VA Streamline), FHA Loans, and Cash Out Refinance. Additional products include the Homes For Heroes affinity program for first responders and military, Hybrids and Buydowns flexible rate options, and Down Payment Assistance programs. The company also provides Mortgage Calculators as supporting tools. All products are delivered through a point-of-sale system with loan advisors providing personalized consultation services.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Mortgage

Segments5 records

Ideal customer profiles4 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.

• Homes for HeroescoreGTM or Marketing PartnerTithe Lending is a certified lender in the Homes for Heroes program, offering special savings to eligible heroes including a free appraisal credit of up to $750 at closing and the option to be matched with a Homes for Heroes Certified Realtor who provides a credit of up to 25% of their commission at close. Qualifying professionals include veterans, active-duty military, police officers, firefighters, EMTs, paramedics, physicians, nurses, and teachers.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Movement Mortgage: Mid-sized retail mortgage lender known for its mission-led culture and community-giving programs, operating across multiple states with a hybrid purchase/refinance product set. Directly comparable in size, mission orientation, and multi-state retail model.
• Guild Mortgage: Retail-focused residential mortgage lender with a comparable product mix (purchase, refinance, VA, FHA, DPA) and similar multi-state regional coverage. Closely aligned on customer segments and direct-to-consumer GTM.
• Better.com: Digital-first direct-to-consumer mortgage lender with an online inquiry and advisor-supported workflow closely mirroring Tithe's hybrid online-plus-advisor motion. Comparable on technology-led GTM and consumer-facing brand, though at significantly larger scale.
• CrossCountry Mortgage: Privately held retail mortgage lender with broad multi-state licensing and a similar advisor-driven purchase and refinance model. Comparable in scale, product breadth, and reliance on local loan officer relationships.
• Veterans United Home Loans: Largest VA-focused retail mortgage lender in the U.S., with a strong mission-driven brand and similar specialization in veterans, active-duty military, and their families. Highly comparable to Tithe's VA loan emphasis and Homes for Heroes-style affinity positioning.

Others

• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender, operating through broker partners rather than retail. Industry-adjacent rather than directly competitive, but sets competitive benchmarks on speed, technology, and broker economics relevant to Tithe's channel mix.

Broad incumbents

• loanDepot: Large national retail and wholesale mortgage lender offering purchase, refinance, HELOC, and specialty products across all 50 states. Overlaps with Tithe on retail purchase/refi but operates at materially greater scale and capital base.
• NewRez (Rithm Capital): National mortgage originator and servicer offering retail, wholesale, and correspondent channels across purchase and refinance products. Competes for similar borrower demand from a larger, publicly-backed platform.
• Rocket Mortgage: Largest U.S. retail mortgage lender by volume, with a digital-first platform and full nationwide licensing. Competes for the same purchase and refinance demand but at far greater scale, brand recognition, and technology investment.
• Caliber Home Loans: Large national residential mortgage originator with retail and direct-to-consumer channels, similar product breadth (purchase, refi, FHA, VA, DPA). A broader incumbent competing for the same consumer segments.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/tithelending
• LinkedInlinkedin.com/company/tithe-lending
• Instagraminstagram.com/tithelending
• Xx.com/TitheLending

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 Tithe Lending