What FHA Lend does

FHA Lend (fhalend.com), operated under parent Capital Lending Network Inc., is a U.S. mortgage brokerage headquartered at 17W662 Butterfield Road, Suite 205, Oakbrook Terrace, Illinois. The firm originates residential and select commercial mortgages by brokering borrowers to a network of more than 180 wholesale lenders and directly licensing loan officers who guide applicants through origination. It is distinctively positioned around a "no-overlay" policy on government and conventional agency loans, meaning FHA Lend follows minimum FHA/VA/USDA/conforming guidelines rather than layering the additional credit, reserve, or documentation overlays most lenders impose.

Its core revenue stream is transaction-based: commissions and origination fees paid by the wholesale lender that funds each closed loan. The product surface spans FHA (3.5% down at 580+ FICO; 10% down at 500-579), VA, USDA, and a wide alternative-finance catalog — non-QM, DSCR, ITIN, bank-statement, FHA 203k (Standard and Streamline), jumbo, HECM reverse mortgages, multifamily (2-4 unit), condotel, doctor, land, construction, and commercial — positioning the firm as a specialist for borrowers turned away elsewhere (the company states ~75% of its clients cannot qualify at other mortgage companies). Distribution is direct-application (website, phone) supported by content marketing (blog, guides, calculators, online eligibility/rate tools); there is no public API, no mobile app, no AI/ML underwriting capability, and the firm is privately held with no disclosed outside capital. Founded circa 2012 (per company history) and licensed in 48 states, with an employee headcount in the 11-50 band, FHA Lend is a boutique-scale, niche-focused broker competing on underwriting flexibility and lender breadth rather than on technology, brand scale, or balance sheet.

Name

FHA Lend

Legal name

Capital Lending Network Inc.

Website

https://fhalend.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

FHA Lend is a U.S. mortgage brokerage operating under Capital Lending Network Inc. that brokers FHA, VA, USDA, conventional, non-QM, DSCR, ITIN, and bank-statement loans via 180+ wholesale lenders under a no-overlay model, serving credit-challenged and non-traditional-income retail borrowers across 48 states.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

akta.pro secondary industries

Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA), Government-Backed CRE Lending (FHA/HUD/USDA) (FSALADAE), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

Keywords

• Mortgage brokerage services
• FHA loan programs
• Non-QM lending
• Wholesale mortgage lending
• Residential mortgage financing

Headquarters

HQ city

Oak Brook

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, Others

Revenue model

1. Mortgage Origination/Brokerage: As a mortgage broker, FHA Lend earns revenue through origination fees and commissions from wholesale lenders when closing mortgage loans. The company connects borrowers with appropriate loan products from their network of 180+ lenders.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

FHA Lend is a U.S. mortgage brokerage that connects individual borrowers with over 180 wholesale lenders offering government-backed (FHA, VA, USDA), conventional, and alternative (NON-QM, DSCR, ITIN, bank statement) loan products for residential and commercial properties. The firm operates on a no-overlay lender model, following only minimum agency guidelines rather than adding additional restrictive requirements, with a national reputation for manual underwriting of complex mortgage cases including borrowers with credit scores as low as 500 FICO, bankruptcy history, divorce, or non-traditional income.

Product overview

FHA Lend operates as a mortgage broker (not a lead reseller) with access to over 180 wholesale lenders, offering government-backed loans without lender overlays. The core offering centers on FHA Loans (3.5% down payment, 580+ FICO) supplemented by VA Loans, USDA Loans, and a comprehensive suite of alternative financing products including NON-QM Loans, DSCR Loans, ITIN Loans, Bank Statement Loans, and specialized programs for doctors, commercial properties, land, and construction. Unique capabilities include FHA 203k Rehab Loans (both Standard and Streamline variants), multifamily financing for 2-4 unit properties, and bankruptcy loan programs. The company provides supporting tools including mortgage calculators, credit score checks, and eligibility verification. The no-overlay approach allows borrowers who don't fit standard criteria to qualify using agency minimum guidelines.

Differentiator

Problem solved

Functional benefit

Products and services

• FHA Loans

Quantifiable outcome

• 75% of FHA Lend clients are unable to qualify at other mortgage companies

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Capital Lending Network Inc.parentOthersCapital Lending Network Inc. is the parent company that owns and operates FHA Lend. FHALend.com is owned and operated by Capital Lending Network Inc., headquartered at the same Oakbrook Terrace, Illinois location.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Planet Home Lending: Planet Home Lending is a national mortgage lender with retail, wholesale, and correspondent channels and a strong specialty in FHA, VA, USDA, and non-QM. It is a direct wholesale peer competing for the same broker channel and government loan volume as FHA Lend.
• United Wholesale Mortgage: UWM is the largest US wholesale mortgage lender and operates in the same broker channel as FHA Lend. It competes for the same wholesale relationships that FHA Lend's network of 180+ lenders depends on, and offers competing products across FHA, VA, conventional, and non-QM.
• New American Funding: New American Funding is a multi-channel mortgage lender with strong focus on FHA, VA, USDA, and Hispanic/ITIN lending. It is a direct comparable to FHA Lend in serving first-time buyers, government loan borrowers, and non-traditional income segments.
• Homepoint: Homepoint is a leading wholesale mortgage lender that distributes through independent mortgage brokers, the same channel FHA Lend operates in. It competes for broker-sourced FHA, conventional, and government loan volume.
• NewRez (formerly New Penn Financial): NewRez is a major wholesale and retail mortgage lender specializing in FHA, VA, USDA, and non-QM products. It directly competes with FHA Lend in the wholesale broker channel, particularly in government and non-prime lending.

Emerging players

• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is a non-QM and specialty mortgage lender focused on self-employed, ITIN, and non-traditional income borrowers. It directly overlaps with FHA Lend's non-QM, ITIN, and bank statement product set and is a key competitor in the underserved borrower niche.
• Better.com: Better.com is a digital-first mortgage lender that offers FHA, conventional, and other home loans through a streamlined online process. It represents the emerging tech-enabled lending model competing for the same first-time and refinance borrowers FHA Lend targets.

Broad incumbents

• loanDepot: loanDepot is a large multi-channel mortgage lender with retail, wholesale (LDWholesale), and consumer direct channels. It is comparable to FHA Lend as a major originator of FHA, VA, and conventional loans, though at much greater scale and with proprietary technology.
• Rocket Mortgage: Rocket Mortgage is the largest US retail mortgage lender, offering FHA, VA, USDA, conventional, and non-QM products. It is a broad incumbent in the same mortgage origination space, with significantly greater scale, technology, and marketing reach than FHA Lend.
• Caliber Home Loans: Caliber is a large national mortgage originator and servicer with retail and wholesale channels, active in FHA, VA, USDA, non-QM, and government-insured lending. It is a broad incumbent comparable to FHA Lend across the same product categories.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/fhalenders
• LinkedInlinkedin.com/company/fha-lend

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 FHA Lend