Key facts
- Atlantic Home Mortgage launched LendTrain, an online platform for mortgage refinancing.
- The platform provides estimated refinance options in approximately 30 seconds.
- Users can compare wholesale interest rates, estimated closing costs, and projected monthly payments.
- LendTrain includes a break-even analysis to show how long it takes to recoup refinancing costs.
- The platform connects users with licensed mortgage professionals to complete the loan process.
Atlantic Home Mortgage announced Tuesday the launch of Lendtrain, a refinance-focused online platform designed to allow homeowners to compare estimated refinance options in about 30 seconds without submitting a loan application or undergoing a credit check. The platform aims to help borrowers determine the value of refinancing before speaking with a loan officer.
Users input basic information about their existing mortgage to receive an estimated refinance quote. This quote includes wholesale interest rates, estimated closing costs, projected monthly payments, and a break-even analysis detailing the time required to recover refinancing costs through monthly savings. LendTrain founder Tony Davis stated that most homeowners need a fast, transparent estimate rather than an immediate sales call.
The platform exclusively handles refinance transactions, including rate-and-term, cash-out, VA IRRRLs, and jumbo loans. It operates through the mortgage broker channel, enabling borrowers to compare wholesale lender pricing. Homeowners who choose to proceed are connected with licensed mortgage professionals to finalize the loan process. Davis emphasized the platform's use of technology to streamline the initial shopping phase while leaving origination to professionals.
LendTrain is currently accessible to homeowners in Alabama, Florida, Georgia, Kentucky, North Carolina, Oregon, South Carolina, Tennessee, Texas, and Utah. Atlantic Home Mortgage reported a year-to-date volume of $29.19 million, with $130.4 million in volume across 279 units for 2025.