Impact Home Loans Inc.

What Impact Home Loans Inc. does

Impact Home Loans Inc. is a privately held, Walnut Creek, California-based mortgage lender founded in 2019 that operates as a retail mortgage broker. The company originates home purchase and refinance loans by matching borrowers against a wholesale network of more than 50 lenders and earning transaction-based origination commissions. Its loan portfolio spans Fixed Rate, FHA, VA, USDA, Jumbo, Rehab, Investment Property, First-Time Homebuyer, Low Down Payment, and Refinance products, with explicit focus on first-time buyers, self-employed borrowers, veterans, and real estate investors.

The company has no proprietary technology platform; its operating stack consists of a content/SEO website, online application portal (via easylowrate.com), mortgage calculators, a learning center, and a consultation-based sales motion. Its stated value proposition is rate competitiveness achieved by shopping across the 50+ lender network and maintaining deliberately low overhead and thin per-loan margins. Go-to-market is direct-to-consumer via organic search, social media (Facebook, LinkedIn, Instagram), email newsletters, and free consultations, with nationwide US coverage delivered from a single headquarters location.

The business is founder-owned, led by CEO and co-founder James Frazier, CFO and co-founder Jess Kalra, and COO and co-founder Robert Sinohue, with no disclosed external institutional investors, acquisitions, or funding rounds. The firm holds NMLS license 1849746, Equal Housing Lender status, SSL encryption, and CCPA-compliant privacy practices. Revenue, headcount, and loan volume figures are not publicly disclosed; the company characterizes its track record as 'helping finance thousands of loans' since 2019.

Name

Impact Home Loans Inc.

Legal name

Impact Home Loans Inc.

Website

https://impacthomeloans.com

Company type

Private

Founded year

2019

Operating status

Operating

Short description

Impact Home Loans Inc. is a Walnut Creek, California-based mortgage lender founded in 2019 that originates home purchase and refinance loans for US consumers by shopping rates across a network of 50+ lenders, serving first-time buyers, veterans, self-employed borrowers, and real estate investors.

Ownership category

akta.pro rank

Product category

Consumer Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAEAEAA

Residential Mortgage Brokerage (Purchase & Refinance)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

SECONDARYFSALAAAL

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

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

Keywords

• Mortgage lending services
• Home purchase loans
• Mortgage refinancing
• FHA VA USDA loans
• First-time homebuyer loans

Headquarters

HQ city

Walnut Creek

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination: The company earns revenue through mortgage origination fees and commissions by connecting borrowers with lenders from their network of 50+ lenders. They act as a mortgage broker bringing borrowers and lenders together.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Impact Home Loans Inc. is a U.S. mortgage lender that originates home purchase and refinance loans for individual borrowers, including first-time homebuyers, real estate investors, self-employed borrowers, and military veterans. The company sources loan products from a network of 50+ wholesale lenders and offers a portfolio spanning fixed-rate, FHA, VA, USDA, jumbo, rehab, investment property, and low down payment loans, supported by pre-approval services, online calculators, and free consultations.

Product overview

Impact Home Loans Inc. is a mortgage lending company founded in 2019, offering a unified mortgage lending service platform. The core product portfolio centers on mortgage financing solutions including Fixed Rate Mortgages, FHA Home Loans, VA Home Loans, Rehab Loans, USDA Loans, Jumbo Home Loans, First Time Home Buyer Programs, Low Down Payment Purchase Options, Investment Property Loans, and Refinance options. Supporting the lending services, the company provides complementary tools including Mortgage Calculators for payment scenarios, Pre-Approval Services to help buyers qualify, a Learning Center with educational content, and free Consultation Services. The company partners with over 50 lenders to offer competitive rates and emphasizes low overhead operations to provide below-market rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Mortgage Traditional mortgage product where the interest rate and monthly payments remain constant throughout the entire loan term, providing predictable budgeting for individual homebuyers and owners seeking to refinance.
• FHA Home Loan Government-insured mortgage that provides flexible loan options for individual borrowers with lower down payments or lower credit scores who would not qualify for conventional financing.
• VA Home Loan Flexible mortgage options available as fixed-rate or adjustable-rate mortgages for eligible U.S. military veterans and active service members.
• Rehab Loan Mortgage product allowing individual borrowers to roll renovation and repair costs into the loan amount, simplifying financing for home improvements and fixer-upper purchases.
• USDA Loan Zero down payment government-backed mortgage option for purchasing homes in designated rural and suburban areas that meet USDA eligibility requirements.
• Jumbo Home Loan Mortgage financing option providing maximum flexibility for individual home purchases that exceed conventional conforming loan limits.
• First Time Home Buyer Programs Specialized loan programs designed specifically for first-time individual homebuyers, pairing financing solutions with educational resources tailored to their needs.
• Low Down Payment Purchase Options Mortgage options designed to help individual borrowers become homeowners with minimal down payment requirements, including no-money-down paths.
• Investment Property Loans Mortgage loan programs tailored for individual investors purchasing vacation properties and investment real estate.
• Refinance Mortgage refinancing service that may lower individual borrowers' monthly payments by securing better interest rates or changing loan terms, including cash-out and debt consolidation options.

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• 50+ Network LenderscoreChannel Partner/ Reseller/ DistributorThe company works with a network of over 50 lenders to shop mortgage rates for customers. This network includes major mortgage programs and allows them to find competitive rates by obtaining preferred volume pricing through their lender relationships.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• loanDepot: loanDepot is a national direct-to-consumer mortgage lender providing purchase and refinance products with a focus on retail branch and digital origination. Its product breadth (Conventional, FHA, VA, USDA, Jumbo) and consultative sales motion align closely with Impact Home Loans' offerings.
• Better.com: Better.com is a digital-first mortgage lender providing purchase and refinance loans with a streamlined online application, competing for the same direct-to-consumer mortgage shopper that Impact Home Loans targets through its consultation-based website flow.
• LendingTree: LendingTree operates a leading online loan comparison marketplace that connects consumers with multiple mortgage lenders, mirroring Impact Home Loans' broker/aggregator model of shopping rates across a network of lending partners. Both rely on inbound consumer demand and earn commission on matched originations.
• Guaranteed Rate: Guaranteed Rate is a large retail mortgage lender offering purchase and refinance loans through loan originators, with a similar consultative, originator-led sales approach and a broad product menu including FHA, VA, Jumbo, and rehab programs. It is one of the closest scale-comparable retail lender comparables to Impact Home Loans.
• Caliber Home Loans: Caliber Home Loans is a national mortgage originator with a strong focus on purchase lending, FHA/VA, and non-QM products, frequently serving first-time and underserved borrowers. Its product mix and borrower-targeting focus align closely with Impact Home Loans' FHA/VA/USDA/Rehab positioning.
• Zillow Home Loans: Zillow Home Loans is a direct-to-consumer digital mortgage lender integrated with the Zillow real estate platform, offering purchase and refinance products to the same online home-shopper funnel as Impact Home Loans. Both compete heavily for organic search-driven mortgage leads.

Broad incumbents

• NewRez (now part of Rocket): NewRez is a national mortgage lender and servicer offering retail and wholesale channels with a broad product set including conventional, government, and renovation loans. Its multi-channel retail/wholesale model and renovation loan offering overlap with Impact Home Loans' brokerage-and-product breadth.
• Rocket Mortgage: Rocket Mortgage is the largest US mortgage originator, offering purchase, refinance, and HELOC products through a fully digital platform with massive brand spend. It is the dominant incumbent defining consumer expectations that any retail or broker competitor, including Impact Home Loans, must meet.
• SoFi: SoFi is a diversified consumer finance platform that, alongside student loans and personal loans, offers a growing mortgage origination product aimed at high-credit-quality borrowers. Its digital-first, multi-product strategy overlaps with Impact Home Loans' DTC mortgage positioning within a much broader financial product suite.
• United Wholesale Mortgage (UWM): UWM is the largest wholesale mortgage lender in the US, funding loans originated through independent mortgage brokers like Impact Home Loans. It is both a competitive reference point (showing what a scaled broker-funded model looks like) and a likely capital partner within Impact Home Loans' '50+ lender' network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/impacthomeloansinc
• LinkedInlinkedin.com/company/impacthomeloansinc
• Instagraminstagram.com/impact_home_loans

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Impact Home Loans Inc.