Three Point Mortgage

What Three Point Mortgage does

Three Point Mortgage LLC is a privately held, Colorado-based mortgage brokerage founded in 2022 that originates residential loans through a network of over 70 institutional investors, enabling competitive rate shopping and objective pricing for borrowers. The company operates a direct-to-consumer, broker-led model with 40+ individually licensed mortgage brokers serving clients across 13 states (CO, AZ, TX, FL, CA, NC, MN, NV, WA, SD, NH, IL, MA). Its loan product suite spans 16+ categories including conventional, FHA, VA, USDA, Jumbo, DSCR, Non-QM, Physician, Reverse, and self-employed borrower programs, allowing the brokerage to address first-time homebuyers, move-up buyers, self-employed borrowers, physicians, and real estate investors under a single platform.

The company's core differentiator is its wholesale lending network of 70+ institutional investors, which provides access to a broader rate set and product range than single-lender institutions, paired with an average clear-to-close time of under 10 days (compared to the industry average of 42 days cited on the company's homepage). The platform positions itself around a 'lender for life' relationship model, layering complimentary post-closing services such as tax appeal assistance and investment insights on top of the core origination business. Distribution relies on individual broker landing pages, the company website, and organic social channels including Google reviews (5-out-of-5-star rating), Instagram, and LinkedIn.

Revenue is generated through origination commissions on closed loans, paid by lending partners; loan servicing is referenced but not confirmed as an active revenue stream. Three Point Mortgage also operates or has relationships with multiple DBAs (Aspen Stone Mortgage, Invest West Mortgage, Lending & Lifestyles, Sonder Mortgage Group) under its NMLS license (ID: 2364254), suggesting a multi-brand growth approach. The company is founder/management-owned, with no disclosed institutional funding or M&A activity, and leadership is concentrated in CEO Mitch Hamilton and President DJ Roberts.

Name

Three Point Mortgage

Legal name

Three Point Mortgage LLC

Website

https://threepointmortgage.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Three Point Mortgage is a Colorado-based residential mortgage brokerage founded in 2022 that originates loans through a network of 70+ wholesale lenders across 13 states, employing 40+ licensed brokers and offering 16+ loan product types to individual homebuyers, investors, and specialized borrower segments.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292)

SIC

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

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Reverse Mortgage Brokerage (FSAEAEAE)

Keywords

• Mortgage brokerage services
• Residential home loans
• Loan origination
• Refinance services
• Mortgage advisory

Headquarters

HQ city

Denver

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, Infrastructure, Others

Revenue model

1. Mortgage Brokerage Commissions: Revenue generated from mortgage loan originations through commission-based compensation from lending partners. Brokers shop rates across 70+ investors to secure best deals for clients, earning origination fees and commission on closed loans.
2. Loan Servicing: Potential ongoing revenue from loan servicing after initial origination, though specific details not disclosed in source material

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

Three Point Mortgage is a residential mortgage brokerage that connects individual homebuyers and real estate investors to competitive loan products through a network of over 70 institutional investors. The firm operates an advisory-first broker model with 40+ licensed loan officers across 13 U.S. states, offering a full menu of loan products (FHA, VA, Jumbo, USDA, DSCR, Non-QM, Physician, Reverse, and conventional) and reporting an average clear-to-close time of under 10 days.

Product overview

Three Point Mortgage operates as a mortgage brokerage platform offering residential mortgage products across a network of over 70 institutional investors, enabling competitive rate comparison and objective pricing. The core offering centers on mortgage brokerage services with multiple loan product types (FHA, VA, Jumbo, USDA, DSCR, Non-QM, Physician Loans, Reverse Mortgages, and specialized programs). The company positions itself as a 'lender for life' through complementary add-on services including tax appeals and investment insights. The product architecture is a unified brokerage service with various loan product modules, rather than a platform-plus-modules structure.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Brokerage Services Full-service residential mortgage brokerage offering loan products through a network of over 70 institutional investors, enabling competitive rate shopping and objective pricing for individual homebuyers and real estate investors.
• FHA Loans Federal Housing Administration insured mortgages with lower down payment requirements, designed for first-time and moderate-income homebuyers.
• VA Loans Veterans Affairs backed mortgages offering favorable terms including no down payment and competitive rates for eligible military service members and veterans.
• Jumbo Loans Mortgages exceeding conforming loan limits for high-value properties requiring financing beyond standard agency ceilings.
• DSCR Loans Debt Service Coverage Ratio loans for real estate investors, using rental income calculations rather than personal income metrics for qualification.
• USDA Loans United States Department of Agriculture mortgages for rural and suburban homebuyers with zero down payment options for eligible properties.
• Physician Loans Specialized mortgage programs for medical doctors with flexible underwriting terms accounting for future earning potential and student loan deferment periods.
• Non-QM Loans Non-Qualified Mortgage products for borrowers who don't fit standard agency guidelines, including bank statement programs and asset-based qualification.
• Reverse Mortgages Home equity conversion mortgages allowing eligible homeowners aged 62 and older to convert home equity into accessible funds while retaining homeownership.
• Cash-Out Refinance Mortgage refinancing option allowing borrowers to withdraw equity from their property as cash while replacing their existing loan with a new mortgage.
• Down Payment Assistance Programs Grants and forgivable loans to help first-time and moderate-income homebuyers cover down payment and closing costs.
• Self-Employed Borrower Programs Mortgage solutions for entrepreneurs and freelancers using alternative documentation methods including bank statements and asset depletion to qualify.
• Investment Property Loans Financing solutions for real estate investors purchasing rental properties, second homes, or vacation homes with tailored qualification criteria.
• Second Home Financing Mortgages for non-primary residences including vacation homes and resort properties with terms adapted for seasonal use patterns.
• Condo Financing Mortgage products for condominium purchases with specific requirements for HOA approval and project eligibility verification.

Quantifiable outcome

• Average clear-to-close time of less than 10 days
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• 70+ Institutional InvestorscoreOthersNetwork of over 70 lending institutions and investors providing mortgage products, enabling competitive rate comparison and diverse loan options for clients. This network is central to the company's value proposition of objective pricing and best-rate selection.

Scale indicators5 records

Recent moves2 records

Expansion highlights5 records

Direct peers

• Fairway Independent Mortgage Corporation: A large independent mortgage brokerage and retail lender operating nationally with a branch-and-broker model. Directly comparable in that it serves borrowers through commissioned loan officers shopping multiple lenders, with similar emphasis on relationship-based service and broad product offerings.
• Guaranteed Rate: National retail and wholesale mortgage lender offering purchase and refinance products through both direct and broker channels. Comparable as a competing residential mortgage brokerage with similar advisor-led service model and multi-product positioning.
• Movement Mortgage: A large, rapidly growing independent mortgage lender operating both retail and wholesale channels. Comparable in business model (commission-based loan officers, broad product mix) and in focus on speed-to-close and relationship-driven client experience.

Broad incumbents

• United Wholesale Mortgage (UWM): The nation's largest wholesale mortgage lender, exclusively serving the broker channel. Three Point's brokers source loan products from UWM as part of its 70+ investor network; UWM is the dominant competitor and infrastructure provider for the wholesale mortgage brokerage model.
• Rocket Mortgage: The largest U.S. mortgage lender by volume, offering a fully digital, direct-to-consumer experience alongside retail and wholesale operations (Rocket Pro TPO). Directly comparable as a mortgage provider serving similar consumer segments, but with massive brand recognition, proprietary tech, and balance-sheet capacity that dwarfs Three Point.
• Caliber Home Loans: A large non-bank mortgage lender offering retail, wholesale, and correspondent channels with strong non-QM and specialty product capability. Comparable as a wholesale partner and competitor covering many of the same specialty niches (Non-QM, investor) that Three Point emphasizes.
• LoanDepot: Large publicly-traded retail and wholesale mortgage lender operating across all major loan products. Directly comparable as a multi-channel mortgage provider, but operates at vastly larger scale and with both retail and wholesale (broker) channels, including the LDWholesale division that supplies broker partners like Three Point.
• Homepoint: A leading wholesale mortgage lender serving the broker channel exclusively with a broad product menu. Comparable as a wholesale partner that sources broker-originated loans — directly relevant to Three Point's 70+ investor network and as a benchmark for wholesale operational scale.
• NewRez (formerly New Penn Financial): A major wholesale and retail mortgage lender offering conventional, government, and non-QM products to brokers and consumers. Comparable as a wholesale lending partner and competitor supplying many of the same broker clients as Three Point.

Emerging players

• Better.com: A digital-first mortgage lender using an end-to-end online platform to compete on speed and transparency. Comparable in targeting the same speed-conscious, rate-shopping consumer, but with a fundamentally different (no-broker, fully digital) delivery model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/three-point-mortgage-llc
• Instagraminstagram.com/threepointmortgage
• Xx.com/3pointmortgage
• Facebookfacebook.com/ThreePointMortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 Three Point Mortgage