HomeSimply
HomeSimply is a Charlotte, NC-based residential mortgage lender (DBA of Clear Point Home Loans LLC, NMLS# 2473786) originating Conventional, FHA, VA, Jumbo, Home Equity, and Investor loans via direct-to-consumer digital channels, inside sales, and real estate agent referrals across the Southeast US.
- Company typePrivate
- Founded-
- HeadquartersCharlotte, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What HomeSimply does
HomeSimply, doing business as Clear Point Home Loans LLC, is a Charlotte, NC-based residential mortgage lender operating under NMLS# 2473786. The company originates purchase and refinance mortgages across six product categories: Conventional, FHA, VA, Jumbo, Home Equity, and Investor loans. Its primary market is the Charlotte metropolitan area, with stated operating geography extending across the Southeast US. The company is privately held and uses a Doing Business As structure, led by Donny Kirby (President & Co-owner), Josh Hankins (President), and Steve St. John (VP Direct to Consumer Lending), whose 24 years of mortgage industry experience including leading 50+ member loan officer teams at large banks, small banks, and independent mortgage companies provides institutional origination DNA relative to the company's current headcount of 18.
HomeSimply firmographics
Firmographics- Name
- HomeSimply
- Legal name
- Clear Point Home Loans LLC
- Website
- https://homesimply.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- HomeSimply is a Charlotte, NC-based residential mortgage lender (DBA of Clear Point Home Loans LLC, NMLS# 2473786) originating Conventional, FHA, VA, Jumbo, Home Equity, and Investor loans via direct-to-consumer digital channels, inside sales, and real estate agent referrals across the Southeast US.
- Ownership category
- akta.pro rank
HomeSimply industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)
- akta.pro secondary industry
- Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)
Keywords
Where HomeSimply is headquartered
LocationHeadquarters
- HQ city
- Charlotte
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
HomeSimply business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Mortgage Origination Fees: Revenue generated from originating mortgage loans, including origination fees charged to borrowers at closing. Fees typically range as part of closing costs (2-6% of loan amount)
- Interest Rate Spread: Revenue earned through the spread between the interest rate charged to borrowers and the rate at which loans are sold or serviced in the secondary market
- Loan Products: Various mortgage products including Conventional, FHA, VA, Jumbo, Home Equity, and Investor loans, each with specific fee structures (FHA upfront MIP, VA funding fees)
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Conventional 30-year fixed-rate mortgage |
| Transaction based/ take rate | Pay-as-you-go | FHA 30-year fixed-rate mortgage |
| Transaction based/ take rate | Pay-as-you-go | VA 30-year fixed-rate mortgage |
| Transaction based/ take rate | Pay-as-you-go | Jumbo loans |
| Transaction based/ take rate | Pay-as-you-go | Closing costs |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
HomeSimply product offering
Product offeringCore offering
HomeSimply is a Charlotte, NC-based residential mortgage lender (operating as a DBA of Clear Point Home Loans LLC) that originates and underwrites home purchase and refinance loans. It offers six core loan products—Conventional, FHA, VA, Jumbo, Home Equity, and Investor loans—delivered through licensed loan officers supported by digital rate-quote, pre-approval, and rate-alert tools.
Product overview
HomeSimply, a mortgage brokerage operating under Clear Point Home Loans LLC, offers a suite of six core mortgage loan products: Conventional Loans, FHA Loans, VA Loans, Jumbo Loans, Home Equity Loans, and Investor Loans. These loan products are designed to serve a range of borrower profiles, from first-time homebuyers leveraging FHA low-down-payment options to veterans accessing VA zero-down-payment financing to investors growing their real estate portfolios. The company provides these products alongside supporting tools and services including rate quotes, mortgage pre-approval, mortgage calculators, and rate watch alerts. The company is headquartered in Charlotte, NC, and is licensed under NMLS# 2473786.
Differentiator
Problem solved
Functional benefit
Products and services
- Conventional Loans
- FHA Loans Government-backed mortgages insured by the Federal Housing Administration, designed for first-time and repeat homebuyers with lower down payment requirements (as low as 3.5%) and more flexible credit standards, with an upfront MIP typically wrapped into the loan.
- VA Loans Zero down payment mortgage loans available to eligible veterans, active-duty service members, and surviving spouses through the Department of Veterans Affairs, offering competitive rates and a 2.15% first-time use funding fee.
- Jumbo Loans High-balance mortgage loans for luxury property purchases that exceed conventional conforming loan limits, providing financing for high-value real estate with flexible terms and rates (e.g., $1,000,000 loan on a $1,450,000 home).
- Home Equity Loans Loans that allow homeowners to access the equity built up in their property, providing funds for needs such as renovations, debt consolidation, or major expenses.
- Investor Loans Specialized mortgage products designed for real estate investors looking to grow their portfolio, offering flexible terms and rates for investment property acquisitions.
Quantifiable outcome
- Pre-approval turn around time described as 'very fast' by multiple customers
- +2 more outcomes
Companies that use HomeSimply
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles5 records
HomeSimply technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
HomeSimply partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights4 records
HomeSimply competitors and assessment
Company assessmentBroad incumbents
- NewRez: Top US mortgage lender and servicer offering retail and wholesale origination across Conventional, FHA, VA, Jumbo, and Home Equity products. Comparable product set to HomeSimply but operating nationally with much greater scale.
- Rocket Mortgage: Largest US direct-to-consumer mortgage lender with heavy digital marketing spend. Competes with HomeSimply for the same purchase and refi customers but with vastly superior brand recognition and tech-enabled acquisition.
- loanDepot: Large national direct-to-consumer and retail mortgage lender with broad Conventional, FHA, VA, and Jumbo offerings. Direct overlap on product set but operates at materially larger scale than HomeSimply.
- United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender and a strong retail competitor. Competes with HomeSimply on origination volume and secondary-market execution, although primarily through the broker channel.
- Caliber Home Loans: Large national mortgage originator and servicer offering Conventional, FHA, VA, Jumbo, and Home Equity products. Overlaps with HomeSimply on retail origination and home equity lending at significantly larger scale.
Direct peers
- Guild Mortgage Company: Independent mortgage lender offering Conventional, FHA, VA, Jumbo, and specialized products through retail branches. Highly comparable business model to HomeSimply, with similar loan officer-led, multi-product retail origination approach.
- Movement Mortgage: Independent retail mortgage lender with a strong relationship-based loan officer culture and diversified product set. Operates in many of the same metro markets as HomeSimply, with a similar personal-service positioning.
- Churchill Mortgage: Independent retail mortgage lender focused on personalized home loan service across multiple regions. Mirrors HomeSimply's relationship-driven, multi-product retail model with comparable scale profile.
- Fairway Independent Mortgage Corporation: Large independent retail mortgage lender operating across multiple states with a relationship-driven, loan-officer-led model. Closely comparable to HomeSimply in positioning around personal service and broad product mix (Conventional, FHA, VA, Jumbo).
Emerging players
- Paramount Equity: Regional mortgage and home equity lender focused on personalized service. Overlaps with HomeSimply on home equity and refinance use cases, with a comparable regional, relationship-led positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
HomeSimply social profiles
Digital presenceHomeSimply financial estimates
Financial estimateRevenue estimate
Valuation estimate
HomeSimply leadership team
Management profileNumber of profiles
Profiles3 records
HomeSimply funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HomeSimply M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HomeSimply
What does HomeSimply do?
HomeSimply is a Charlotte, NC-based residential mortgage lender (operating as a DBA of Clear Point Home Loans LLC) that originates and underwrites home purchase and refinance loans. It offers six core loan products—Conventional, FHA, VA, Jumbo, Home Equity, and Investor loans—delivered through licensed loan officers supported by digital rate-quote, pre-approval, and rate-alert tools.
Is HomeSimply a public or private company?
HomeSimply is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was HomeSimply founded?
HomeSimply was founded in -1. It employs 11 to 50 people.
Where is HomeSimply based?
HomeSimply is headquartered in Charlotte, United States, in the North America region.
How does HomeSimply make money?
Three revenue lines are on record. Mortgage Origination Fees are the primary driver. The others are interest Rate Spread and loan Products.
Who are HomeSimply's main competitors?
Broad incumbents on record are NewRez, Rocket Mortgage, loanDepot, United Wholesale Mortgage (UWM) and Caliber Home Loans. Direct peers are Guild Mortgage Company, Movement Mortgage, Churchill Mortgage and Fairway Independent Mortgage Corporation. Paramount Equity is listed as an emerging player.
Does HomeSimply have an API?
No public API is recorded for HomeSimply.
What industry is HomeSimply in?
HomeSimply's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAD, Purchase Mortgage Origination (Homebuyer Focused), with a secondary code of FSALAGAA, Closed-End Home Equity Loans (Second Mortgages). Its NAICS code is 522310 and its SIC code is 6162.