C360 Mortgage
C360 Mortgage LLC is a privately held, founder-owned residential and commercial mortgage lender headquartered in Bartlett, Tennessee, originating conventional, government-backed, VA, refinance, construction, and commercial loans across four US states with a salary-based loan officer model.
- Company typePrivate
- Founded2021
- HeadquartersMemphis, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What C360 Mortgage does
C360 Mortgage LLC is a privately held, founder-owned residential and commercial mortgage lender founded in 2021 and headquartered in Bartlett, Tennessee. The company originates conventional, FHA, VA, USDA, jumbo, refinance, new construction, DSCR, and commercial mortgage loans across four licensed states (Arkansas, Mississippi, Tennessee, and Texas), with Arizona expansion signaled. Operations are supported by a small team (1-10 employees) under founder/CEO Dr. Carnesa Giles (27+ years industry experience) and COO David Durant (10+ years experience), with $500M+ in lifetime closed sales volume, a reported 97% closing rate, and average closing times of 15 days or less.
The firm's core technology stack is a mortgage lending platform featuring an online loan application via blink.mortgage integration and a Loan Status Calculator tool. The firm also offers adjacent credit, housing, and tax counseling services. C360 runs a distinctive salary-based (rather than commission-based) loan officer model, paired with a sales-led go-to-market that combines free phone consultations, a regional website application, and partner referrals. Customer segments span first-time and repeat home buyers, refinancing clients, veterans, government-loan recipients, new construction borrowers, commercial property developers, and credit counseling clients.
C360 generates revenue primarily through transaction-based mortgage origination fees on closed loans, with an auxiliary professional services stream from credit, housing, and tax counseling. Distribution is amplified through referral partnerships with AICPA, NAMB, AIME, Better Broker Network, UWM, and Loanesty, reaching CPA clients, real estate broker networks, and unaffiliated broker partners. The capital structure is bootstrapped with no external funding raised, and the firm remains tightly held by its founder.
C360 Mortgage firmographics
Firmographics- Name
- C360 Mortgage
- Legal name
- C360 Mortgage LLC
- Website
- https://c360mortgage.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- C360 Mortgage LLC is a privately held, founder-owned residential and commercial mortgage lender headquartered in Bartlett, Tennessee, originating conventional, government-backed, VA, refinance, construction, and commercial loans across four US states with a salary-based loan officer model.
- Ownership category
- akta.pro rank
C360 Mortgage industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)
- akta.pro secondary industries
- Cash-Out Refinance Origination (FSALAAAF), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)
Keywords
Where C360 Mortgage is headquartered
LocationHeadquarters
- HQ city
- Memphis
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
C360 Mortgage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Origination Fees: C360 Mortgage generates revenue through mortgage origination fees charged on loans closed, including refinancing, new construction, commercial building, single-family home loans, VA loans, and government-backed loans (FHA, USDA)
- Credit and Tax Counseling Services: Additional revenue stream from credit counseling, housing counseling, and debt management services offered to clients
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Customized mortgage products with rates tailored to individual borrower profiles |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
C360 Mortgage product offering
Product offeringCore offering
C360 Mortgage LLC originates and funds a range of mortgage loans including Conventional, FHA, VA, USDA, Jumbo, Refinancing, New Construction, Commercial Building, Single-Family Home, and DSCR loans for individual consumers and small businesses. The company also provides supplementary Credit and Tax Counseling services to support borrower qualification, with operations across Arkansas, Mississippi, Tennessee, and Texas.
Product overview
C360 Mortgage LLC offers a comprehensive suite of mortgage products and financial services. The core offerings include Refinancing, New Construction Loans, Commercial Building Loans, Single-Family Home Loans, Government Loans (FHA/USDA), VA Loans, and Credit and Tax Counseling services. The company operates in Midsouth regions including Arkansas, Mississippi, Tennessee, and Texas. An online loan calculator tool is also provided for prospective borrowers to estimate payments. The portfolio is designed to serve diverse client needs from first-time homebuyers to commercial developers, with a reported 97% closing rate and $500 million in total closed sales.
Differentiator
Problem solved
Functional benefit
Products and services
- Refinancing Refinancing solutions allowing borrowers to lower interest rates, decrease mortgage terms, convert adjustable-rate to fixed-rate mortgages, or access home equity for funds. Targeted at existing homeowners seeking better mortgage terms.
- New Construction Loans Financing for new home construction projects including single-family homes, condos, and townhouses with competitive and flexible loan terms. Targeted at buyers seeking to finance newly built residential properties.
- Commercial Building Loans Loans for commercial building projects with flexible terms and fixed and variable interest rates tailored to individual business needs. Targeted at business owners and developers financing commercial construction, renovation, or expansion.
- Single-Family Home Loan Mortgage financing for single-family homes with flexible loan options, faster closing times, and regular progress updates. Targeted at individual consumers purchasing or refinancing primary residences.
- Government Loans Government-backed loans including FHA 203k renovation loans and USDA rural home loans with flexible terms and competitive rates. Targeted at borrowers eligible for government-backed financing including those seeking home renovation or rural property financing.
- VA Loans Veterans Affairs home loans offering lifetime benefits with no down payment, low interest rates, and low monthly payments. Targeted at eligible veterans and surviving spouses.
- Credit and Tax Counseling Professional credit and tax counseling services including credit counseling, housing counseling, and debt management to help clients improve credit scores and achieve financial goals. Targeted at individuals seeking to qualify for mortgage products or improve overall financial health.
Quantifiable outcome
- 97% closing rate
- +3 more outcomes
Companies that use C360 Mortgage
Customer profileNamed customers7 records
Segments7 records
Ideal customer profiles5 records
C360 Mortgage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
C360 Mortgage partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- AICPA (American Institute of Certified Public Accountants)coreC360 Mortgage LLC partners with AICPA to provide mortgage services to CPAs and their clients. The partnership rating is listed at 85%, indicating a significant referral and service relationship with the accounting professional network.
- NAMB (National Association of Mortgage Brokers)corePartnership with NAMB at 90% rating, indicating strong alignment with mortgage broker industry standards and referral network. NAMB is a key professional association for mortgage brokers.
- AIME (Association of Independent Mortgage Experts)coreHighest-rated partnership at 95% with AIME, demonstrating strong commitment to independent mortgage professionals. AIME supports independent mortgage brokers and experts.
- Better Broker NetworkminorPartnership rating of 80% with Better Broker Network, indicating a working relationship with this broker network for referrals and industry collaboration.
- United Wholesale Mortgage (UWM)minorUWM is one of the largest wholesale mortgage lenders in the country. C360 Mortgage displays their logo indicating a partnership for accessing wholesale lending products and services.
- LoanestycorePartnership with Loanesty (led by CEO Frank Barnes) enables C360 Mortgage to provide access to funding for small business needs. The companies collaborate on loan processing and technology platforms. Loanesty provides a platform for loan applications linked from C360 Mortgage website.
- The Complete 360 (C360)coreRelated entity under the C360 brand umbrella. TheComplete360.com is listed as a partner, suggesting shared branding, technology, or operational synergies across the C360 family of companies.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
C360 Mortgage competitors and assessment
Company assessmentBroad incumbents
- Rocket Mortgage: Largest U.S. retail mortgage lender offering conventional, FHA, VA, and jumbo loans through direct-to-consumer and broker channels. Comparable in product breadth and target borrower; far larger scale and digital-first orientation.
- loanDepot: Major U.S. retail and wholesale mortgage originator with similar product mix (purchase, refinance, FHA, VA, HELOC). Competes for the same borrowers with greater scale and a multi-channel platform.
- United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender and a C360 channel partner. Provides wholesale funding to brokers and competes indirectly by serving the same broker-dependent origination market.
- NewRez (New Residential Mortgage): National nonbank mortgage originator and servicer offering retail and wholesale mortgage products. Comparable product breadth and channel mix to C360 at significantly greater scale.
- PennyMac Loan Services: Large nonbank mortgage lender and servicer with retail, wholesale, and correspondent channels covering purchase, refinance, and government loans. Competes broadly in the same origination categories.
- Caliber Home Loans: Nonbank mortgage lender offering a full menu of conventional, government, and non-QM products through retail and wholesale channels. Overlaps with C360's residential and government product set.
Direct peers
- Better.com: Digital-first mortgage lender offering purchase and refinance mortgages with a tech-led, fast-closing model. Comparable in targeting speed and online application experience for retail borrowers.
- Fairway Independent Mortgage Corporation: National retail mortgage lender with a relationship-driven, branch-based model offering conventional, government, and refinance products. Comparable GTM and product breadth to C360 at greater scale.
- Movement Mortgage: Large retail mortgage lender with a community/relationship-oriented culture and broad product set including FHA, VA, and conventional. Comparable in mission-driven, retail-broker positioning.
- Guild Mortgage: Retail-focused mortgage lender offering purchase and refinance products across multiple loan types, with an emphasis on relationship-based service. Comparable target borrower and product mix.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
C360 Mortgage social profiles
Digital presenceC360 Mortgage financial estimates
Financial estimateRevenue estimate
Valuation estimate
C360 Mortgage leadership team
Management profileNumber of profiles
Profiles2 records
C360 Mortgage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
C360 Mortgage 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 C360 Mortgage
What does C360 Mortgage do?
C360 Mortgage LLC originates and funds a range of mortgage loans including Conventional, FHA, VA, USDA, Jumbo, Refinancing, New Construction, Commercial Building, Single-Family Home, and DSCR loans for individual consumers and small businesses. The company also provides supplementary Credit and Tax Counseling services to support borrower qualification, with operations across Arkansas, Mississippi, Tennessee, and Texas.
Is C360 Mortgage a public or private company?
C360 Mortgage is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was C360 Mortgage founded?
C360 Mortgage was founded in 2021. It employs 1 to 10 people.
Where is C360 Mortgage based?
C360 Mortgage is headquartered in Memphis, United States, in the North America region.
How does C360 Mortgage make money?
Two revenue lines are on record. Mortgage Origination Fees are the primary driver. The others are credit and Tax Counseling Services.
Who are C360 Mortgage's main competitors?
Broad incumbents on record are Rocket Mortgage, loanDepot, United Wholesale Mortgage (UWM), NewRez (New Residential Mortgage), PennyMac Loan Services and Caliber Home Loans. Direct peers are Better.com, Fairway Independent Mortgage Corporation, Movement Mortgage and Guild Mortgage.
Does C360 Mortgage have an API?
No public API is recorded for C360 Mortgage.
What industry is C360 Mortgage in?
C360 Mortgage's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAI, Government-Insured Mortgage Origination (FHA/VA/USDA), with a secondary code of FSALAAAF, Cash-Out Refinance Origination. Its NAICS code is 522310 and its SIC code is 6162.