Empire Lending Group

What Empire Lending Group does

Empire Lending Group, operating under the legal entity Halifax Solutions Inc, is a privately held, full-service residential mortgage broker headquartered at 5097 Wagon Wheel Way in Antioch, California (NMLS 1817865). The company originates home purchase and refinance loans for individual consumers across the California Bay Area, with stated service coverage in Contra Costa County, Alameda, Solano, and San Francisco counties and named coverage of Antioch, Brentwood, Oakley, Concord, Walnut Creek, San Ramon, Discovery Bay, Oakland, Richmond, Berkeley, and San Francisco.

The product menu is broad relative to its size, spanning agency and government programs (FHA, VA, USDA, Conventional, Jumbo, HARP 2.0) plus niche offerings such as Down Payment Assistance and Private Money loans for borrowers who do not qualify through conventional channels. Distribution is a hybrid of loan officer–led phone and in-person consultation, a website-hosted online secure loan application and pre-qualification flow, and content marketing via an educational blog on mortgage rates, refinancing strategy, and Bay Area housing market conditions. No proprietary technology platform is referenced in the source material; the digital stack is limited to the public site, calculators, and a UserWay accessibility widget for WCAG 2.1 compliance.

The business model is transaction-fee based: revenue is generated from loan origination fees and, where applicable, interest rate spread on originated loans, with rates quoted individually to borrowers based on credit profile, loan-to-value, and program selection. The firm is independently owned with no disclosed institutional investors, parent company, or subsidiary structure, and operates with a 1–10 employee headcount from a single location.

Name

Empire Lending Group

Legal name

Halifax Solutions Inc dba Empire Lending Group

Website

https://empirelending.net

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Empire Lending Group (Halifax Solutions Inc dba) is a privately held, independent mortgage broker in Antioch, California that originates home purchase and refinance loans — FHA, VA, USDA, Jumbo, Conventional, and niche products — for individual consumers across the California Bay Area.

Ownership category

akta.pro rank

Headquarters

HQ city

Antioch

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

Revenue model

1. Mortgage Origination: Revenue generated from originating mortgage loans for home purchases and refinancing. The company earns fees from the loan origination process and may also earn revenue from the interest rate spread on loans held in portfolio or sold to investors.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Empire Lending Group is a full-service mortgage company originating home purchase loans and refinancing mortgages for individual borrowers in the California Bay Area. It offers a wide menu of loan programs including FHA, VA, USDA, Jumbo, Conventional, HomePath, Commercial, HELOC, HARP, and niche offerings such as Down Payment Assistance and Private Money loans. Customers can apply or pre-qualify through a secure online portal or work directly with loan officers by phone or in person.

Product overview

Empire Lending Group is a full-service mortgage company offering a comprehensive suite of home financing products. The core offerings include Home Purchase Loans (FHA, VA, HomePath, Jumbo, Commercial, and Conventional programs) and Refinancing Programs (FHA Streamline, FHA Cash Out, FHA 203k, VA Streamline, VA Cash-Out, Conventional, HELOC, HARP, Commercial, Jumbo). The company also provides niche programs including Down Payment Assistance and Private Money loans. Digital services include an online secure loan application portal and mortgage calculators for scenario analysis. The company serves the California market, particularly Contra Costa County, Alameda, Solano, and San Francisco areas, with NMLS license 1817865.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchase Loans Mortgage loans for purchasing homes including FHA, VA, HomePath, Jumbo, Commercial, and Conventional loan programs for buyers in California communities.
• Refinancing Programs Refinance options including FHA Streamline, FHA Cash Out, FHA 203k, VA Streamline, VA Cash-Out, Conventional, HELOC, HARP, Commercial, and Jumbo programs.
• FHA Loans Federal Housing Administration insured loans allowing individuals to buy homes with as little as 3.5% down, designed for first-time homebuyers who may not qualify for conventional financing.
• VA Loans Veterans Administration guaranteed home loans requiring no down payment, with competitive interest rates, no PMI, and flexible credit requirements for eligible military personnel.
• Jumbo Loans Non-conforming conventional mortgages for properties exceeding the conforming loan limit, available with fixed or adjustable interest rates.
• USDA Loans Zero down payment mortgages for low-income Americans purchasing homes in designated rural and suburban areas.
• Down Payment Assistance Assistance programs helping borrowers cover down payments and closing costs for home purchases.
• Private Money Loans Alternative financing options for borrowers who may not qualify for traditional bank financing.
• Online Secure Loan Application Web-based platform allowing customers to submit complete loan applications and pre-qualify for home loans online.
• Mortgage Calculators Interactive calculators for evaluating different financing options and comparing mortgage scenarios.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves1 record

Expansion highlights2 records

Direct peers

• Guild Mortgage: Mid-sized retail-focused mortgage lender offering FHA, VA, USDA, Conventional, Jumbo and other programs across multiple states; closest peer in business model with retail loan officers serving purchase and refinance customers.
• Fairway Independent Mortgage: Retail-focused mortgage lender with FHA, VA, Conventional, Jumbo and niche programs; closely comparable operating model with loan officers providing purchase and refinance services.
• Caliber Home Loans: Retail and correspondent mortgage lender providing FHA, VA, USDA, Conventional and specialty programs; similar product breadth and retail distribution through loan officers to Empire's model.
• PRMG (Paramount Residential Mortgage Group): Retail and wholesale mortgage lender offering a similar range of FHA, VA, Conventional, Jumbo and niche programs through loan officers; directly comparable retail distribution model and product mix to Empire.
• NewRez: Retail and wholesale mortgage lender offering a full suite of government and conventional loan programs; comparable multi-channel model and product breadth to Empire's offerings.
• Academy Mortgage: Retail-focused mortgage lender with FHA, VA, USDA, Conventional, and specialty programs operated through loan officers; closely comparable operating model and product mix to Empire Lending Group.

Emerging players

• Better.com: Digital-first mortgage lender using proprietary technology to streamline loan applications; competes in the same retail mortgage space with a fundamentally different tech-enabled, low-overhead model that pressures traditional broker economics.

Broad incumbents

• UWM (United Wholesale Mortgage): Largest wholesale mortgage lender in the US; operates in the same product space (FHA, VA, Conventional, etc.) but through a wholesale/broker channel that indirectly competes for the same borrower demand.
• Rocket Mortgage: Largest US mortgage lender offering retail, wholesale, and direct-to-consumer loans including FHA, VA, Conventional, and Jumbo; competes with Empire across the same product categories but at vastly greater scale and with proprietary technology.
• loanDepot: Large national retail and wholesale mortgage lender offering purchase and refinance loans across all major programs including FHA, VA, USDA, Conventional, and Jumbo; comparable in product breadth but orders of magnitude larger than Empire.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/empirelendingg1
• Facebookfacebook.com/EmpireLending

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 Empire Lending Group