PLAN Lending

What PLAN Lending does

PLAN Lending is a US-based, privately held residential mortgage lender, founded in 2015 and headquartered in Freeport. According to the firmographic profile, the company originates home loans that are distributed through a third-party mortgage broker channel — rather than captured via direct-to-consumer marketing — and offers both fixed-rate and variable-rate products, along with loan features such as redraw and offset accounts, suggesting servicing capabilities that extend beyond origination. The short description's reference to "online servicing" implies a borrower-facing digital interface for account management, though no further technical detail, platform architecture, or proprietary technology is disclosed in the available source material.

The firm's revenue model is not explicitly stated in the input data, but the broker-originated structure is consistent with standard US mortgage lending economics: lenders fund loans via warehouse facilities, generate revenue through gain-on-sale (to aggregators or investors) and/or net interest margin, and pay broker origination compensation. PLAN Lending is reported at 1-10 employees, indicating a small operating footprint where origination volume, servicing portfolio size, and the compensation paid to the broker channel are likely the dominant economic variables. No customer logos, partnerships, funding rounds, awards, patents, certifications, geographic footprint, or technology stack are disclosed across the aggregated source blocks; the most substantive source returned only a website verification page with no company-level content, which materially limits the depth of analysis possible.

Overall the available evidence supports a description of PLAN Lending as a small, broker-distributed US residential mortgage originator with a serviced loan portfolio and modest headcount, but the absence of disclosed financials, ownership, customers, and product detail means any further characterization carries high uncertainty.

Name

PLAN Lending

Website

https://planlending.com

Company type

Private

Founded year

2015

Headcount range

1–10 employees

Short description

PLAN Lending is a privately held US residential mortgage lender, founded in 2015 and based in Freeport, that originates fixed- and variable-rate home loans through third-party mortgage brokers and offers online servicing with redraw and offset features.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

Keywords

• Residential mortgage lending
• Broker-distributed home loans
• Fixed and variable rate loans
• Loan offset accounts
• Redraw facility loans

Headquarters

HQ city

Freeport

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Core offering

PLAN Lending provides broker-distributed residential home loans to individual borrowers. Loan products include fixed and variable rate options, with redraw facilities, offset accounts, and online loan servicing capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Home Loans
• Fixed Rate Home Loans
• Variable Rate Home Loans
• Online Loan Servicing

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Expansion highlights1 record

Direct peers

• loanDepot: Major U.S. mortgage originator with a significant wholesale/broker channel (LDWholesale) alongside retail. Comparable in offering fixed/variable residential home loans through broker partners with online servicing.
• Guild Mortgage: National U.S. mortgage lender with retail, wholesale, and correspondent channels offering fixed, adjustable, FHA, VA, and other residential products. Comparable product menu to PLAN Lending, distributed partially through brokers.
• Paramount Residential Mortgage Group (PRMG): Large U.S. residential mortgage lender with retail, wholesale, and correspondent channels. Comparable in offering conventional and government residential home loans through broker partners.
• United Wholesale Mortgage (UWM): The largest U.S. wholesale mortgage lender, distributing exclusively through mortgage brokers. Directly comparable to PLAN Lending's broker-distributed residential loan model, though at vastly greater scale.
• Caliber Home Loans: Large U.S. residential mortgage originator and servicer with a wholesale channel that distributes home loans through brokers. Comparable in fixed/agency product breadth and broker-distributed origination.
• Homebridge Financial Services: U.S. private-label wholesale and retail mortgage lender offering conventional, government, and non-QM residential loans through brokers. Direct comparable in being a broker-distributed residential loan provider.
• Rocket Pro TPO: Rocket Mortgage's wholesale broker channel, providing broker partners with conventional, FHA, VA, and jumbo home loans with digital tools. Direct competitor in the broker-distributed home loan category.
• NewRez (shellpoint / Newrez LLC): U.S. mortgage lender and servicer with a wholesale division (NewRez Wholesale) that originates conventional, FHA, VA, and non-QM loans through brokers. Direct competitor in broker-distributed residential lending.
• Homepoint: U.S. wholesale mortgage lender focused exclusively on the broker channel, offering agency and non-QM products. Comparable in being a broker-only residential originator, though significantly larger.
• Fairway Independent Mortgage: U.S. mortgage lender operating retail, wholesale, and consumer-direct channels with a broad fixed/agency product set. Comparable in providing residential home loans with broker and retail distribution and online servicing.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights4 records

Customer concentration

• Facebookfacebook.com/PLANLending

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 PLAN Lending