land home financial services, inc., your correspondent partner

What land home financial services, inc., your correspondent partner does

Land Home Financial Services, Inc. (LHFS) is a privately held wholesale and correspondent mortgage lender founded in 1988 and headquartered in Concord, California. The company originates residential mortgage loans exclusively through approved third-party mortgage brokers across all 50 states and the District of Columbia, holding NMLS #1796. It is a direct seller/servicer with Fannie Mae, Freddie Mac, and Ginnie Mae, enabling secondary market execution on conventional, government, and specialty products.

LHFS offers a comprehensive product suite including Conforming, High Balance, Jumbo, FHA, VA, USDA, HECM reverse mortgages, manufactured housing financing, and the Within Reach™ Specialty DPA program. The proprietary DASH portal is the central operational platform, providing 24/7 pipeline management, loan submission, appraisal ordering, pricing and locking, conditions tracking, and integration with Fannie Mae DU and Freddie Mac LP automated underwriting systems. Dedicated account executives support brokers through the approval and origination process, with a stated 2-day broker approval timeline and 21-day purchase money closing commitment.

The business model is transaction-based: LHFS funds loans originated by broker partners and sells them to agency investors, generating revenue through net interest spread and gain-on-sale margins. Distribution is exclusively wholesale and correspondent — LHFS does not lend directly to consumers. Marketing is conducted through the wholesale website, the DASH portal, on-demand broker training, the knowledge center, email outreach, and industry association participation (MBA, NAMB, MHI, CAMP). No revenue, loan volume, or ownership details are publicly disclosed.

Name

land home financial services, inc., your correspondent partner

Legal name

Land Home Financial Services, Inc.

Website

https://lhfswholesale.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Land Home Financial Services is a privately held wholesale and correspondent mortgage lender founded in 1988, serving approved mortgage brokers across all 50 states with a full suite of agency, government, reverse, and manufactured housing products via its proprietary DASH portal.

Ownership category

akta.pro rank

Product category

Wholesale Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)

akta.pro secondary industry

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

Keywords

• Wholesale mortgage lending
• Mortgage broker services
• Reverse mortgage lending
• Conforming loan products
• Government-backed mortgages

Headquarters

HQ city

Concord

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Wholesale Mortgage Lending: Land Home Financial Services operates as a wholesale lender providing mortgage products to mortgage brokers. The company generates revenue through interest spreads on originated loans, selling them to investors including Fannie Mae, Freddie Mac, and Ginnie Mae.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core offering

Land Home Financial Services operates as a wholesale mortgage lender providing funding, products, and processing support to mortgage brokers across all 50 states and the District of Columbia. The company offers a complete suite of mortgage products including Conforming, High Balance, Jumbo, FHA, VA, USDA, HECM (reverse mortgage), and Manufactured Housing loans, accessed by brokers through its DASH 24/7 online portal. As a direct seller/servicer to Fannie Mae, Freddie Mac, and Ginnie Mae, LHFS enables brokers to originate, price, lock, and close loans with a 21-day purchase money closing commitment and 2-day broker approval process.

Product overview

Land Home Financial Services is a wholesale mortgage lender offering a comprehensive suite of mortgage products through its DASH online broker portal. The company provides conventional products (Conforming, High Balance, Jumbo loans), government-backed products (FHA, VA, USDA loans), reverse mortgages (HECM), and manufactured housing financing. The DASH portal serves as the centralized platform enabling brokers to submit loans, order appraisals, price and lock loans, track conditions, and manage the loan pipeline. Specialty DPA (Down Payment Assistance) programs are also available. LHFS operates as a direct Fannie Mae, Freddie Mac, and Ginnie Mae seller/servicer, supporting Direct Agency DU/LP underwriting.

Differentiator

Problem solved

Functional benefit

Brands

• DASH: 24/7 online portal providing pipeline management, loan upload, conditions tracking, appraisal ordering, loan pricing and locking, doc requests, and scenario questions
• Within Reach™

Products and services

• Conforming Loans
• High Balance Loans
• Jumbo Loans
• FHA Loans
• VA Loans
• USDA Loans
• HECM (Home Equity Conversion Mortgage)
• Manufactured Housing Loans
• Within Reach™ Specialty DPA (Down Payment Assistance)

Quantifiable outcome

• 21-day purchase money closing from complete file submission
• +1 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Seven partnerships are on record, tiered core and minor.

• Fannie MaecoreStrategic or Co-development PartnerLand Home Financial Services is a direct Fannie Mae seller/servicer, enabling the company to sell originated loans to Fannie Mae and service loans on their behalf. This partnership is central to LHFS's ability to operate as a wholesale lender.
• Freddie MaccoreStrategic or Co-development PartnerLand Home Financial Services is a direct Freddie Mac seller/servicer, providing access to secondary mortgage market execution and loan servicing capabilities under Freddie Mac guidelines.
• Ginnie MaecoreStrategic or Co-development PartnerLand Home Financial Services is a Ginnie Mae seller/servicer, enabling the company to pool government-insured loans (FHA, VA, USDA) into Ginnie Mae mortgage-backed securities.
• Mortgage Bankers Association (MBA)minorOthersIndustry association member providing industry representation and professional development resources.
• NAMB (National Association of Mortgage Brokers)minorOthersIndustry association member representing and supporting mortgage brokers.
• MHI (Manufactured Housing Institute)minorOthersIndustry association member supporting manufactured housing financing specialists.
• CAMP (California Association of Mortgage Professionals)minorOthersRegional industry association member for California mortgage professionals.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• United Wholesale Mortgage: Largest U.S. wholesale mortgage lender, operating exclusively through the broker channel with direct GSE seller/servicer status. Most direct comparable to LHFS by business model, with vastly greater scale.
• Rocket Pro TPO: Wholesale division of Rocket Mortgage, the largest U.S. mortgage lender. Competes head-to-head with LHFS for broker business with broader product set and superior technology.
• Homepoint: Major independent wholesale mortgage lender with nationwide broker channel and direct GSE seller/servicer relationships. Closely comparable scale and business model to LHFS.
• NewRez (Shellpoint Mortgage): Direct-to-consumer and wholesale mortgage lender with full agency product set and significant servicing portfolio. Comparable in channel strategy and product breadth to LHFS.
• Caliber Home Loans: Mid-to-large independent mortgage lender operating retail, wholesale, and correspondent channels. Overlaps with LHFS in wholesale broker channel with broader channel mix.
• loanDepot Wholesale: Wholesale division of loanDepot, offering agency and non-agency products to brokers nationwide. Direct competitor in the wholesale channel with substantially greater resources.
• Plaza Home Mortgage: Mid-sized independent wholesale and correspondent mortgage lender with national reach and direct GSE seller/servicer status. Closely comparable to LHFS in size and channel focus.
• American Pacific Mortgage: Independent mortgage lender with wholesale, retail, and correspondent channels. Similar in profile to LHFS as a mid-sized independent with multi-channel operations.

Emerging players

• Finance of America Reverse: Specialty reverse mortgage (HECM) lender and one of the larger players in the niche that LHFS serves through its HECM product. Most relevant for understanding the HECM competitive landscape.
• Kind Lending: Newer independent wholesale mortgage lender backed by private equity, competing for broker market share with technology-forward platform. Represents the well-capitalized new entrants challenging established independents like LHFS.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lhfs-correspondent

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 land home financial services, inc., your correspondent partner