Compass Mortgage Team

What Compass Mortgage Team does

Compass Mortgage Team is a California-based residential mortgage brokerage operating as a DBA of Home Possible Brokers Inc. (Corporate NMLS #2324077), licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. The firm is headquartered at 418 Clovis Ave, Clovis, CA 93612 and originates home purchase and refinance mortgages for California consumers. Its product set spans conforming, jumbo and high-balance conventional loans, fixed-rate and adjustable-rate mortgages, FHA and VA government programs, and a suite of specialty products including Foreign National, Reverse Mortgage (62+), Construction, Second Mortgage / Home Equity, Self-Employed asset-based, and AirBnB / investment-property loans qualified on rental cash flow rather than traditional DTI. Customers work directly with individually licensed loan officers (8+ NMLS-credentialed originators plus dedicated processing), with applications initiated through a self-service online portal at compassteam.my1003app.com and a pre-approval survey at compassmortgageteam.com/preapp.

The business runs on industry-standard loan origination technology — specifically the 1003 application platform — with no proprietary AI, machine learning, or workflow tooling disclosed. Lead generation is supported by organic social channels (Facebook, Instagram, LinkedIn, YouTube) and a content-style website, all hosted on a GoHighLevel / LeadConnector marketing infrastructure. There is no app, no API, and no integrations with third-party technology providers beyond standard LOS and marketing tooling.

Compass Mortgage Team generates revenue transactionally through mortgage origination fees / lender-paid compensation on each closed loan; pricing is quote-based and varies by borrower credit profile, loan amount, product type, and prevailing market rates. The company is privately held, locally owned in Clovis with no disclosed institutional ownership, no funding rounds, no parent company, and no M&A activity. Geographic scope is California-only, with primary customer segments being first-time home buyers and existing homeowners seeking refinance or cash-out, supplemented by specialty borrowers (self-employed, foreign nationals) and real estate investors.

Name

Compass Mortgage Team

Legal name

Home Possible Brokers Inc.

Website

https://compassmortgageteam.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Compass Mortgage Team is a California-licensed residential mortgage brokerage (DBA of Home Possible Brokers Inc., NMLS #2324077) operating from Clovis, CA, offering purchase, refinance, and specialty home loans to California consumers through a team of licensed loan officers.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA), Reverse Mortgage Brokerage (FSAEAEAE)

Keywords

• Residential mortgage lending
• Mortgage brokerage
• Home loan origination
• Mortgage refinancing
• Specialty mortgage programs

Headquarters

HQ city

Clovis

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

Revenue model

1. Mortgage Origination Fees: The company earns revenue through mortgage origination fees charged on loans processed. As a licensed mortgage broker operating in California, they facilitate home purchases and refinances, earning fees based on loan amounts processed. The revenue is generated when loans close.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Compass Mortgage Team is a California residential mortgage brokerage that facilitates home purchases and refinances by connecting borrowers with a broad menu of loan products including Conventional, FHA, VA, and specialty programs. Each borrower is assigned a dedicated licensed loan officer who provides personalized 1-on-1 guidance through the application, processing, and closing stages. Revenue is earned through mortgage origination fees and lender commissions when loans close.

Product overview

Compass Mortgage Team is a California-based mortgage brokerage offering a comprehensive suite of mortgage products and lending solutions. The core product portfolio includes conventional mortgages (conforming, jumbo, and high-balance), fixed-rate mortgages in 10-30 year terms, and adjustable-rate mortgages. Government lending through FHA and VA programs provides accessible options for first-time buyers and veterans. The company specializes in specialty loan programs including foreign national loans, reverse mortgages for seniors, construction loans, second mortgages, self-employed borrower loans with asset-based qualification, and AirBnB/investor property loans. A streamlined online pre-approval application enables borrowers to begin the process digitally. Refinancing options include rate-and-term refinances, cash-out refinances, and debt consolidation products. The company operates under Home Possible Brokers Inc. (NMLS# 2324077) and is licensed by the California Department of Financial Protection and Innovation.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Mortgages Standard mortgage products meeting Fannie Mae/Freddie Mac guidelines, including conforming loans, non-conforming jumbo loans for amounts exceeding GSE limits, and high-balance mortgages for high-cost areas. Targeted at California home buyers and refinancing homeowners.
• Fixed Rate Mortgages Mortgages with interest rates that remain fixed for the entire loan term, available in 10, 15, 20, and 30-year terms for predictable monthly payments. Targeted at California home buyers seeking payment stability.
• Adjustable Rate Mortgages Mortgages with flexible interest rates that respond to market fluctuations, typically featuring lower initial rates and adjustment caps. Targeted at California borrowers who want lower initial payments or shorter-term ownership horizons.
• FHA Loans Government-backed mortgages insured by the Federal Housing Administration (FHA), featuring low down payments (as low as 3.5%), low closing costs, and flexible credit qualifying guidelines. Targeted at first-time and lower-down-payment home buyers.
• VA Loans Home loan programs backed by the Department of Veterans Affairs to help veterans and service members buy, build, or improve homes, including VA direct loans and Native American Direct Loans (NADL). Targeted at veterans, active-duty service members, and eligible Native American borrowers.
• Foreign National Loans Mortgage products for non-citizens purchasing property in the US, subject to specific regulations and higher down payments, offered by experienced loan specialists. Targeted at non-resident foreign nationals buying California property.
• Reverse Mortgages Home equity conversion products for homeowners aged 62 and older, allowing conversion of equity into cash, lump sums, or lines of credit with repayment deferred until sale, move, or passing. Targeted at California senior homeowners.
• Construction Loans Short-term financing products for new-home builders, with funds released intermittently to pay builders as construction progresses. Targeted at California borrowers building a new home.
• Second Mortgages / Home Equity Loans Loans using home equity for home improvements, renovations, or debt consolidation, featuring lower interest rates than consumer loans with potential tax deductibility. Targeted at California homeowners seeking to leverage equity.
• Self Employed Loans Simplified loan qualification for self-employed borrowers using asset-based underwriting with no income documentation required, no DTI calculation, and 30-day asset seasoning. Targeted at self-employed California borrowers who cannot qualify via standard W-2 documentation.
• AirBnB Loans Investment property mortgages qualifying based on rental income cash flow without traditional DTI requirements, for single-family homes, townhomes, condos, and 2-4 unit buildings. Targeted at California real estate investors including short-term rental hosts.
• Refinance Products Mortgage refinancing solutions including rate-and-term refinances, cash-out refinances, and debt consolidation options to lower payments or access home equity. Targeted at existing California homeowners seeking to refinance their current mortgage.
• Pre-Approval Application Online application survey tool to initiate the mortgage pre-approval process, collecting loan type, property details, credit information, and contact details. Targeted at prospective California home buyers seeking pre-approval.

Quantifiable outcome

• Streamlined refinancing process with dedicated loan officer support

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Guild Mortgage: Large retail mortgage lender with significant California branch presence and a broad product mix including Conventional, FHA, VA, and specialty programs. Closely comparable to Compass in service model and product breadth.
• Better.com: Digital-first mortgage lender offering conventional, FHA, and other government loans with a streamlined online application experience. Competes with Compass for the same California tech-enabled borrower segment but at materially greater scale.
• Park Place Mortgage (California): California-focused mortgage brokerage closely tied to Compass Mortgage Team (referenced via cross-links on compassmortgageteam.com). Offers a similar purchase and refinance product set and serves overlapping Central California borrowers.
• Paramount Equity (Paramount Residential Mortgage Group): Large California-headquartered retail and wholesale mortgage lender offering a full suite of loan products including specialty programs. Comparable to Compass in regional focus and product breadth but at substantially greater scale.

Broad incumbents

• loanDepot: National retail and wholesale mortgage lender offering purchase and refinance products across the US, including a large retail branch presence in California. Directly comparable to Compass in product mix, with significantly larger scale.
• United Wholesale Mortgage (UWM): Largest wholesale mortgage lender in the US, working through independent broker partners like Compass. UWM's TPO platform competes for the same broker channel and defines much of the wholesale pricing Compass's loan officers access.
• Rocket Mortgage: Largest US mortgage lender offering a full suite of conventional, FHA, VA, and jumbo loans through a digital-first platform. Operates at vastly greater scale than Compass and competes for the same California homebuyers, but with much broader product and geographic reach.
• NewRez (New Residential Mortgage): National mortgage lender with retail, wholesale, and correspondent channels offering conventional and government loans. Competes with Compass through wholesale pricing and retail origination in California markets.
• Caliber Home Loans: National mortgage originator and servicer offering a full range of purchase and refinance products. Operates in California through retail and wholesale channels and overlaps Compass in product set and broker-channel relationships.
• Guaranteed Rate: National retail and digital mortgage lender with strong presence in California, offering purchase and refinance products across Conventional, FHA, VA, and jumbo. Comparable to Compass in product mix and customer segments.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC5v1cQZCHKZQKacWfPUfgAA
• Facebookfacebook.com/compassmortgageteam
• LinkedInlinkedin.com/company/compass-mortgage-team
• Instagraminstagram.com/_compassmortgageteam

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Compass Mortgage Team