What Gulfstream Mortgage does

Gulfstream Mortgage Corporation is a privately held, South Carolina-based retail mortgage lender founded in 1991 by Bob Graybill and headquartered at 3101 Carlisle St, Suite 105, Columbia, SC. The company originates home purchase and refinance loans directly to consumers, with a product suite spanning conventional, FHA, VA, USDA, reverse, jumbo, fixed-rate, and adjustable-rate mortgages, plus home equity loans, cash-out refinance, and VA/FHA streamline refinance programs. Its primary customer segments are first-time homebuyers, existing homeowners seeking refinance or equity access, military veterans, rural property buyers using USDA programs, and senior homeowners aged 62 and older seeking reverse mortgages. The firm holds NMLS licensure (ID 224519), Equal Housing Lender designation, and Better Business Bureau accreditation.

The company operates a direct-to-consumer go-to-market motion through its website (gulfstreamsc.com), a phone-based inside sales channel, and a mobile application that supports affordability calculation, pre-approval, document upload, and direct loan officer communication. It also maintains an extensive content marketing presence with over 200 blog posts, interactive mortgage calculators, and a Learning Center that drives organic SEO traffic. The business earns revenue through transaction-based origination fees and interest spread on funded loans rather than recurring contracts.

Gulfstream reports 5,000+ loans closed cumulatively over 30+ years, a 100% five-star rating across 51 Google reviews, and a single-state operating footprint concentrated in Columbia, Lexington, Newberry, and surrounding South Carolina markets. The firm has 1-10 disclosed employees, no institutional investors, no parent or subsidiary entities, no M&A history, and no disclosed funding rounds, consistent with a founder-led independent small business.

Name

Gulfstream Mortgage

Legal name

Gulfstream Mortgage Corporation

Website

https://gulfstreamsc.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

1–10 employees

Short description

Gulfstream Mortgage Corporation is a privately held South Carolina retail mortgage lender founded in 1991 that originates FHA, VA, USDA, conventional, reverse, and home equity loans directly to individual consumers across Columbia, Lexington, Newberry, and surrounding markets.

Ownership category

akta.pro rank

Product category

Mortgage Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Cash-Out Refinance Origination (FSALAAAF), Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA)

Keywords

• Mortgage lending services
• Home loan origination
• Refinance loan products
• FHA VA USDA loans
• First-time home buyer loans

Headquarters

HQ city

Columbia

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

Revenue model

1. Mortgage Origination: Gulfstream Mortgage generates revenue through originating mortgage loans including home purchases, refinances, home equity loans, and reverse mortgages. They earn origination fees and interest spread on funded loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Gulfstream Mortgage is a South Carolina-based mortgage lender that originates home purchase loans (Conventional, FHA, VA, USDA), refinance loans (rate reduction, cash-out, VA/FHA streamline), home equity loans, and reverse mortgages for individual consumers. The company operates as a direct-to-consumer lender, accepting and processing loan applications through its website, phone, and mobile app. Loan origination is supported by loan officers who guide customers from pre-qualification through closing.

Product overview

Gulfstream Mortgage is a mortgage lending company offering a comprehensive suite of loan products and services. The core offerings include various mortgage types: Conventional Loans, FHA Loans, VA Loans, USDA Loans, Reverse Mortgages, and Jumbo Loans. The company provides refinancing options including rate reduction refis, cash-out refis, VA Streamline Refinance, and FHA Streamline Refinance. They also offer Home Equity Loans for existing homeowners. Additional services include a mobile app with mortgage tools (affordability calculator, pre-approval, document upload), online mortgage calculators, and a Learning Center with educational content about the loan process and mortgage basics. The company operates primarily in South Carolina, serving customers in Columbia, Lexington, Newberry, and surrounding areas.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Loans Mortgage loans with flexible terms and fewer restrictions for borrowers with good credit and steady income. Offered as a core product to individual homebuyers in South Carolina.
• FHA Loans Federal Housing Administration insured mortgages allowing borrowers to obtain low mortgage rates with a minimal down payment (as low as 3.5%). Targeted at first-time and lower-down-payment buyers in South Carolina.
• VA Loans Department of Veterans Affairs guaranteed mortgages offering military veterans low interest rates and no down payment options. Targeted at eligible veterans and active-duty service members in South Carolina.
• USDA Loans US Department of Agriculture insured mortgages requiring no down payment with low interest rates and low monthly mortgage insurance. Targeted at buyers purchasing homes in eligible rural areas of South Carolina.
• Reverse Mortgages Government-insured loans for homeowners aged 62 or older, allowing senior homeowners to access cash from their home equity while the loan is repaid when they sell, move, or die.
• Refinance for Lower Rate Refinancing program to help homeowners take advantage of favorable market conditions and secure a lower interest rate on their existing mortgage.
• Refinance for Cash-out Cash-out refinancing option allowing homeowners to access their home equity for renovations, debt consolidation, or other financial needs.
• Home Equity Loans Second mortgage option allowing borrowers to access cash for home improvements, bill consolidation, or other purposes while keeping their existing low interest rate mortgage.
• VA Streamline Refinance Streamlined refinancing option for existing VA loan holders offering faster processing with reduced documentation requirements.
• FHA Streamline Refinance Streamlined refinancing option for existing FHA loan holders offering faster processing with reduced documentation requirements.
• Jumbo Loans Mortgage loans exceeding conventional loan limits, intended for higher-value properties in South Carolina.
• Adjustable Rate Mortgage (ARM) Mortgage with an interest rate that adjusts periodically based on market conditions, providing borrowers with a variable-rate alternative to fixed rate mortgages.
• Fixed Rate Mortgage Traditional mortgage with a fixed interest rate throughout the loan term, providing predictable monthly payments for borrowers.
• First Time Home Buyer Loans Specialized loan programs and guidance designed to help first-time homebuyers navigate the home purchasing process with favorable terms, including FHA, VA, USDA, and conventional first-time buyer options with 99%-100% financing.
• Mobile Mortgage App Mobile application providing mortgage tools including affordability calculators, mortgage payment calculations, pre-approval, document upload, and direct communication with loan officers. Offered to individual customers applying for or managing a loan.

Quantifiable outcome

• 5000+ loans closed over 30+ years of operation
• +1 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature1 record

Scale indicators4 records

Recent moves2 records

Expansion highlights4 records

Emerging players

• Better.com: Digital-first mortgage fintech offering streamlined purchase and refinance origination online; competes with Gulfstream for the same consumer-direct borrower considering a digital application experience.

Direct peers

• Paramount Residential Mortgage Group (PRMG): National retail mortgage banker offering the same FHA/VA/USDA/Conventional/Jumbo menu to consumer-direct and branch-served borrowers, with similar loan officer-driven sales motion.
• loanDepot: Direct-to-consumer and retail mortgage lender offering purchase, refinance, and HELOC products via digital and phone channels — comparable in offering a similar consumer-direct origination experience, though at significantly larger scale.
• Guild Mortgage: Retail-focused residential mortgage lender with full product suite including FHA, VA, USDA, Conventional, and reverse mortgages; comparable in targeting first-time and repeat homebuyers.
• Fairway Independent Mortgage Corporation: Large retail mortgage banker with a similarly broad product menu and consumer-direct origination model targeting purchase and refinance borrowers in regional markets.
• Movement Mortgage: Mid-size retail residential mortgage lender with strong branch-based and direct-to-consumer origination; comparable in offering FHA, VA, USDA, Conventional and refinance products to similar homebuyer segments.
• Atlantic Bay Mortgage Group: Retail mortgage lender operating across the Southeast U.S. with a comparable product mix (FHA, VA, USDA, Conventional, Jumbo, reverse) and similar direct-to-consumer origination model.
• NewDay USA: Retail mortgage lender specializing in VA loans and reverse mortgages; comparable to Gulfstream's VA and reverse mortgage offerings targeting veterans and senior homeowners.
• NewRez (Shellpoint Mortgage Servicing): Retail mortgage originator and servicer offering conventional, FHA, VA, USDA and non-QM loans with both direct-to-consumer and wholesale channels, competing for similar borrower profiles.

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender with a fully digital direct-to-consumer platform; overlapping product suite (purchase, refi, FHA, VA, Jumbo) but vastly greater scale, marketing reach and technology investment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/gulfstreamtg
• Facebookfacebook.com/GulfstreamMortgage
• LinkedInlinkedin.com/company/gulfstream-mortgage-corp

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Gulfstream Mortgage