RedHouse Lending
RedHouse Lending is a private, education-focused mortgage lender headquartered in Missoula, Montana, operating 11 branches across Montana, Colorado, and North Carolina. It originates residential mortgage loans across conventional, government-backed, and investor-oriented products for first-time buyers, veterans, and real estate investors.
- Company typePrivate
- Founded-
- HeadquartersMissoula, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What RedHouse Lending does
RedHouse Lending is a private, education-focused mortgage lending company headquartered at 1200 S Reserve St F in Missoula, Montana. The company originates residential mortgage loans across a broad product suite spanning conventional products (Fixed Rate, Jumbo, Refinance, Cash-Out Refinance, HELOC), government-backed programs (FHA, VA, USDA), and investor-oriented offerings (DSCR, Fix & Flip, Bridge, Construction, Bank Statement, Reverse Mortgage, Seller-Paid Buydown). RedHouse Lending serves first-time homebuyers, veterans and active-duty military personnel, real estate investors, and home buyers seeking real estate agent referrals across its footprint.
The company operates 11 physical branch offices across three states: 6 in Montana (Billings, Bozeman, Great Falls, Helena, Kalispell, Missoula), 4 in Colorado (Canon City, Colorado Springs, Pueblo, Pueblo West), and 1 in North Carolina (Waynesville). The technology backbone is a digital mortgage application and loan origination platform powered by VonkDigital (mega5.vonkdigital.com), which supports a structured 20-step online intake questionnaire and pre-approval workflow. Distribution combines in-branch consultations, an inside-sales digital intake funnel, and a real estate agent referral service. Marketing is centered on a Learning Center with 27 educational articles plus a dedicated VA Learning Center, supported by Facebook/Instagram presence and aggregated third-party client reviews.
RedHouse Lending earns revenue through transaction-based origination fees paid by lenders on each closed loan, with no publicly disclosed rate or fee schedule. The company is led by Managing Director Chris Johnson, Chief Operations Manager Scott Deschene, and Chief Finance Officer Trever Waldron, supported by roughly 13 team members including licensed loan officers and a regional manager. There is no evidence of institutional outside investment, parent company ownership, or M&A activity; the company appears to be independently founder/owner-operated (Company NMLS: 2570863).
RedHouse Lending firmographics
Firmographics- Name
- RedHouse Lending
- Legal name
- RedHouse Lending
- Website
- https://redhouselending.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- RedHouse Lending is a private, education-focused mortgage lender headquartered in Missoula, Montana, operating 11 branches across Montana, Colorado, and North Carolina. It originates residential mortgage loans across conventional, government-backed, and investor-oriented products for first-time buyers, veterans, and real estate investors.
- Ownership category
- akta.pro rank
RedHouse Lending industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292), Nondepository Credit Intermediation (5222)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industries
- Cash-Out Refinance Origination (FSALAAAF), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL), Balance-Sheet / Portfolio CRE Lending (FSALADAG)
Keywords
Where RedHouse Lending is headquartered
LocationHeadquarters
- HQ city
- Missoula
- HQ country
- United States
- HQ region
- North America
Offices11 records
Markets served
RedHouse Lending business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Mortgage Loan Origination: RedHouse Lending originates mortgage loans across a broad product suite (Fixed Rate, FHA, VA, USDA, Jumbo, Rehab, Construction, DSCR, Fix & Flip, HELOC, Bridge, Reverse Mortgage, Cash-Out Refinance, Seller-Paid Buydown) and earns origination fees from lenders on each closed loan. Revenue is transaction-based, earned at loan closing, with no publicly disclosed fee schedule.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Personalized rate quote via free consultation |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
RedHouse Lending product offering
Product offeringCore offering
RedHouse Lending is a private mortgage lending company that originates a broad suite of residential mortgage products including Fixed Rate, FHA, VA, USDA, Jumbo, Rehab, Construction, DSCR, Fix & Flip, HELOC, Bridge, Reverse Mortgage, and Cash-Out Refinance loans. The company serves individual homebuyers and real estate investors through 11 physical branch offices in Montana, Colorado, and North Carolina, supported by a digital pre-approval and loan application funnel powered by VonkDigital. Revenue is earned through origination fees on each closed loan, with an education-led approach built around a Learning Center of 27 articles and a dedicated VA Learning Center.
Product overview
RedHouse Lending is an education-based mortgage company offering a comprehensive suite of home loan products and refinancing solutions. The company provides over 20 distinct mortgage programs including Fixed Rate Mortgages, FHA Loans, VA Loans, USDA Loans, Jumbo Loans, and specialized investor products like DSCR Home Loans and Fix & Flip Loans. They serve first-time homebuyers through educational resources and low down payment options, while also offering advanced products for real estate investors including bridge loans, construction loans, and investment property financing. The company operates across multiple states with physical branch locations in Montana, Colorado, and North Carolina.
Differentiator
Problem solved
Functional benefit
Products and services
- Fixed Rate Mortgage Traditional mortgage with a constant interest rate and fixed monthly payments throughout the entire loan term, available to qualified homebuyers.
- FHA Loan Government-insured mortgage with flexible qualification requirements designed for first-time homebuyers and borrowers with lower credit scores.
- VA Loan Mortgage program for eligible veterans, active-duty service members, and surviving spouses, typically featuring $0 down payment options.
- USDA Loan Zero down payment mortgage for eligible buyers purchasing homes in designated rural and suburban areas.
- Jumbo Loan Mortgage financing for loan amounts exceeding conventional conforming loan limits, providing flexibility for luxury or high-value property purchases.
- Rehab Loan Financing option that allows borrowers to roll renovation costs into the mortgage, enabling purchase and improvement of distressed properties.
- Construction Home Loan Financing for building a custom home from the ground up, with funds typically disbursed in draws as construction progresses.
- Bridge Home Loan Short-term financing that helps homeowners transition between selling their current home and purchasing a new one.
- DSCR Home Loan Debt Service Coverage Ratio loan for real estate investors, qualifying borrowers based on property cash flow rather than personal income.
- Fix & Flip Home Loan Short-term financing for real estate investors purchasing distressed properties, renovating them, and reselling for profit.
- HELOC Home Loan Home Equity Line of Credit providing flexible access to funds using the borrower's home equity as collateral.
- Reverse Mortgage Product allowing homeowners aged 62 and older to convert a portion of home equity into cash without monthly mortgage payments.
- Refinance Mortgage refinancing to replace an existing loan with new terms, potentially lowering monthly payments or adjusting loan duration.
- Cash-Out Refinance Refinancing option allowing homeowners to replace their existing mortgage with a larger one and receive the difference in cash.
- VA Loan Refinance VA-backed refinancing options including IRRRL (streamline) and VA Cash-Out refinance for eligible veterans and service members.
- Investment Property Loans Mortgage financing solutions for vacation properties and real estate investment properties.
- Bank Statement Program Alternative documentation program allowing self-employed borrowers to use bank statements to verify income and qualify for home loans.
- Seller-Paid Buydown Financing strategy where the seller contributes funds to temporarily reduce the buyer's mortgage interest rate, lowering initial monthly payments.
- Low Down Payment Options Various mortgage programs allowing homebuyers to purchase with minimal down payments, making homeownership more accessible.
- First Time Home Buyer Programs Popular loan programs and educational resources designed to help first-time homebuyers navigate the purchasing process.
Companies that use RedHouse Lending
Customer profileSegments4 records
Ideal customer profiles5 records
RedHouse Lending technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
RedHouse Lending partnerships and signals
Strategic signalScale indicators2 records
Expansion highlights5 records
RedHouse Lending competitors and assessment
Company assessmentBroad incumbents
- Rocket Mortgage: The largest U.S. retail mortgage lender by volume; comparable to RedHouse because both originate residential mortgages directly to consumers via digital + phone channels, though Rocket operates nationally and dwarfs RedHouse in scale and brand spend.
- loanDepot: Top-5 U.S. retail mortgage lender combining retail branches with a wholesale channel (LDWholesale). Comparable to RedHouse as both originate across consumer direct and broker/retail channels with a broad product suite.
- United Wholesale Mortgage (UWM): The largest U.S. wholesale mortgage lender — relevant as a benchmark for the wholesale/third-party-provider arrangement that RedHouse references, since UWM sits on the counterparty side of broker relationships.
- NewRez (now part of Rocket): National mortgage originator with both retail and wholesale channels offering government, conventional, and specialty products. Comparable to RedHouse as a multi-state retail lender with a broad product suite.
Direct peers
- Fairway Independent Mortgage Corporation: Large independent retail mortgage lender operating a multi-branch model across dozens of states with a comparable product suite (FHA, VA, USDA, conventional, construction). Highly relevant peer because of similar branch-driven, education-emphasized GTM.
- Guaranteed Rate: Top-10 retail mortgage lender with a multi-branch, multi-state retail network offering purchase and refinance products including FHA, VA, USDA, and a growing specialty product set. Operates on a similar branch-plus-digital hybrid that RedHouse uses.
- Academy Mortgage Corporation: Mid-size retail mortgage lender with a multi-state branch network and an education/relationship-driven culture. Comparable to RedHouse across product breadth (FHA/VA/USDA, conventional, investor loans) and branch-led distribution.
- PrimeLending: Retail mortgage lender operating a national branch network offering a broad product menu including fixed-rate, FHA, VA, USDA, and jumbo loans. Closely comparable to RedHouse's branch-led model and product breadth.
- Guild Mortgage: Top retail mortgage lender with a multi-state branch network, deep government loan (FHA/VA) franchise, and education-focused first-time-buyer positioning — directly comparable to RedHouse's VA specialization and learning-center strategy.
- Paramount Residential Mortgage Group (PRMG): Independent retail mortgage lender with an extensive multi-state branch network and a broad product menu including government, conventional, and niche investor products — closely comparable to RedHouse in branch-led GTM and product breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
RedHouse Lending social profiles
Digital presenceRedHouse Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
RedHouse Lending leadership team
Management profileNumber of profiles
Profiles13 records
RedHouse Lending funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RedHouse Lending 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 RedHouse Lending
What does RedHouse Lending do?
RedHouse Lending is a private mortgage lending company that originates a broad suite of residential mortgage products including Fixed Rate, FHA, VA, USDA, Jumbo, Rehab, Construction, DSCR, Fix & Flip, HELOC, Bridge, Reverse Mortgage, and Cash-Out Refinance loans. The company serves individual homebuyers and real estate investors through 11 physical branch offices in Montana, Colorado, and North Carolina, supported by a digital pre-approval and loan application funnel powered by VonkDigital. Revenue is earned through origination fees on each closed loan, with an education-led approach built around a Learning Center of 27 articles and a dedicated VA Learning Center.
Is RedHouse Lending a public or private company?
RedHouse Lending is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was RedHouse Lending founded?
RedHouse Lending was founded in -1. It employs 1 to 10 people.
Where is RedHouse Lending based?
RedHouse Lending is headquartered in Missoula, United States, in the North America region.
How does RedHouse Lending make money?
One revenue line is on record: mortgage Loan Origination.
Who are RedHouse Lending's main competitors?
Broad incumbents on record are Rocket Mortgage, loanDepot, United Wholesale Mortgage (UWM) and NewRez (now part of Rocket). Direct peers are Fairway Independent Mortgage Corporation, Guaranteed Rate, Academy Mortgage Corporation, PrimeLending, Guild Mortgage and Paramount Residential Mortgage Group (PRMG).
Does RedHouse Lending have an API?
No public API is recorded for RedHouse Lending.
What industry is RedHouse Lending in?
RedHouse Lending's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSALAAAF, Cash-Out Refinance Origination. Its NAICS code is 52231 and its SIC code is 6162.