Atlantic Home Mortgage announced Tuesday the launch of Lendtrain, a refinance-focused online platform that allows homeowners to compare estimated refinance options in about 30 seconds without submitting a loan application or undergoing a credit check.
The company said the platform is designed to help borrowers determine whether refinancing is worth pursuing before speaking with a loan officer.
Users enter basic information about their existing mortgage and receive an estimated refinance quote that includes wholesale interest rates, estimated closing costs, projected monthly payments and a break-even analysis showing how long it could take to recover refinancing costs through monthly savings.
“Most homeowners do not need a sales call just to find out whether a refinance is worth exploring,” Lendtrain founder Tony Davis said in a statement. “They need a fast, transparent estimate that shows the rate, closing costs, monthly savings and break-even point before they commit.”
Lendtrain focuses exclusively on refinance transactions, including rate-and-term refis, cash-out refis, VA Interest Rate Reduction Refinance Loans (IRRRLs) and jumbo deals.
The platform operates through the mortgage broker channel, allowing borrowers to compare wholesale lender pricing rather than a single lender’s retail offerings. Homeowners who decide to proceed with a refinance are connected with licensed mortgage professionals to complete the loan process.
Davis said the platform is intended to use technology to streamline the early stages of shopping for a refinance while leaving the mortgage origination process to licensed loan professionals.
“The rate gets all the attention, but break-even is usually the real decision,” Davis said. “If refinancing costs thousands of dollars, homeowners need to know how many months of savings it takes to earn that money back.”
Lendtrain is currently available to homeowners in Alabama, Florida, Georgia, Kentucky, North Carolina, Oregon, South Carolina, Tennessee, Texas and Utah.
Year to date, Atlantic Home Mortgage has produced a volume of $29.19 million, according to Modex data. For 2025, the Georgia-headquartered company did $130.4 million in volume across 279 units.
