The Hutson Company

What The Hutson Company does

The Hutson Company is a privately held Alabama mortgage brokerage headquartered in Homewood, with a second office in Gardendale. Founded more than 30 years ago, the company brokers purchase mortgages for new and existing homes and handles refinancing across the state. Its product suite spans four loan categories — FHA, VA, USDA, and Conventional — covering most residential borrower profiles, including 100%-financing VA and USDA options for eligible borrowers.

The firm runs a direct-to-consumer model: customers reach the company through a basic informational website, inbound phone calls, and in-person consultations at its two offices. Pricing and rates are not publicly disclosed and depend on bond market conditions, borrower qualifications, and broader financial news. The company generates revenue via origination fees and rate spread on the loans it brokers, a transaction-fee model tied to each closed mortgage. Leadership comprises President Graham Hutson and a small named team of five — including Vice President/Loan Officer Aaron Box, Manager Lee Eby, Loan Officer Dorothy Reid, and Loan Processor Justin Box — with three team members holding NMLS licenses.

Beyond the Alabama mortgage brokerage core, an entity referred to as "The Hutson Companies" acquired approximately 1,089 acres of land near Jacksonville International Airport in Northeast Florida in January 2026, with stated intent to support future residential and commercial development. This represents a meaningful diversification beyond the firm's single-state mortgage origination activity, though the relationship between the brokerage and the development entity is not detailed in available sources.

Name

The Hutson Company

Legal name

The Hutson Company

Website

https://thehutsoncompany.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

The Hutson Company is a privately held Alabama mortgage brokerage that brokers purchase mortgages and refinances across the state, offering FHA, VA, USDA, and Conventional loan products through two offices in Homewood and Gardendale.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)

Keywords

• Mortgage loan brokerage
• Home purchase financing
• Mortgage refinancing services
• FHA loan origination
• VA loan brokerage

Headquarters

HQ city

Gardendale

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Loan Brokering: The Hutson Company generates revenue by brokering mortgage loans for homebuyers. They originate purchase mortgage loans for new and existing homes and handle refinancing of existing mortgages. Revenue is earned through origination fees and interest rate differentials on FHA, VA, USDA, and Conventional loans they broker.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

The Hutson Company is a mortgage brokerage serving the entire state of Alabama, brokering purchase mortgage loans for new and existing homes and refinancing existing mortgages. The company offers four loan types — FHA, VA, USDA, and Conventional loans — and provides pre-qualification and pre-approval services to guide customers through the mortgage process from assessment to closing.

Product overview

The Hutson Company is a mortgage loan company serving Alabama that operates as a single-product service offering four distinct loan types: Conventional loans, FHA loans, VA loans, and USDA loans. The company specializes in brokering both purchase mortgage loans for new and existing homes and refinancing existing mortgages. With over 30 years in business, the company acts as a mortgage broker rather than a direct lender, connecting borrowers with appropriate loan products based on their qualifications and needs.

Differentiator

Problem solved

Functional benefit

Products and services

• FHA Loans Federal Housing Administration-insured mortgages designed for borrowers with lower down payments and credit scores, offered to Alabama homebuyers seeking purchase financing or refinancing. Mortgage features government-backed competitive rates with down payment requirements and terms varying based on borrower qualifications.
• VA Loans Veterans Affairs-backed mortgages offering 100% financing for eligible military service members and veterans in Alabama. Mortgage features competitive rates with no down payment required for qualified borrowers.
• USDA Loans United States Department of Agriculture rural development mortgages providing 100% financing for eligible properties in qualifying rural Alabama areas. Government-backed with income and location eligibility requirements.
• Conventional Loans Standard mortgage loans not insured by government agencies, offered to qualified Alabama borrowers for purchasing or refinancing homes. Terms and rates based on creditworthiness, down payment, and property type.
• Mortgage Pre-qualification and Pre-approval Services Pre-qualification and pre-approval services provided to Alabama homebuyers to assess their financial situation and create a mortgage plan before beginning home shopping. Guides customers through the initial assessment phase of the mortgage process.
• Mortgage Refinancing Refinancing of existing mortgages for Alabama homeowners seeking better rates, terms, or cash-out options. Available across FHA, VA, USDA, and Conventional loan types with step-by-step guidance from assessment to closing.

Segments1 record

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 moves4 records

Expansion highlights3 records

Direct peers

• Movement Mortgage: Retail and purchase-focused mortgage lender with a multi-state branch network emphasizing FHA and VA loans, comparable in product mix to Hutson but at greater scale.
• Caliber Home Loans: Retail and wholesale mortgage lender with broad FHA, VA, USDA, and conventional offerings, competing for purchase and refinance volume in regional markets.
• Better.com: Digital-first mortgage lender offering purchase and refinance products across conventional and government channels, representing the technology-enabled competition that regional brokers face.
• loanDepot: National retail and wholesale mortgage lender offering purchase and refinance products across government and conventional channels, competing directly with regional brokers like Hutson.
• NewRez: National mortgage lender and servicer offering purchase and refinance products across government and conventional channels, including wholesale relationships used by independent brokers.
• Cardinal Financial: Retail and wholesale mortgage company offering conventional and government loan products, serving similar broker and direct-to-consumer channels as Hutson.
• Paramount Residential Mortgage Group: Retail mortgage lender operating branches across multiple states with conventional and government loan offerings, comparable in business model to a regional broker like Hutson.
• Rocket Mortgage: Largest U.S. mortgage originator operating a direct-to-consumer online channel across FHA, VA, USDA, and Conventional loans — the same product set Hutson brokers, but at vastly greater scale.
• Guild Mortgage: Mid-sized national mortgage lender with strong FHA/VA product offerings and a retail branch footprint, competing for similar borrower segments in regional markets.

Broad incumbents

• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender providing brokers (including small shops like Hutson) access to FHA, VA, USDA, and conventional products; a key upstream counterparty and broader incumbent in the same channel.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/aaronboxhutsonmortgage
• LinkedInlinkedin.com/company/the-hutson-company

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 The Hutson Company