Reach more qualified buyers
Financing matched to each buyer group, connecting more of the people who want your homes to a route they can actually close on.
CAPTIVE FINANCE, AS A SERVICE
Make finance
your competitive
advantage.
Finance designed around the homes you sell
and the buyers you want to reach.
THE REGIONAL BUILDER’S SQUEEZE
Your buyers aren’t gone. They’re priced out.
At today’s rates, the family that wants your home often can’t qualify to buy it. That isn’t weak demand. It’s demand the financing can’t reach.
The national builders already solved it, with cash. Today roughly two in three builders run sales incentives, and most of them buy the mortgage rate down into the 4s and 5s while the market sits near 7%. For a regional builder, that comes straight out of your margin. For a national builder, it comes from a finance arm built to pay for it.
~7%
where market mortgage rates sit today
4–5%
where the nationals are buying rates down to
4 in 5
builders now using mortgage rate buydowns
A PROVEN MODEL, ALREADY RUNNING
Every national builder already owns a mortgage company.
It isn’t a side business. It’s how they win. The finance arm controls the rate buydown, the approval and the speed of the close, and it is a major profit line in its own right. D.R. Horton’s in-house lender financed about 81% of its buyers in FY2025. The ten largest builders now sell close to half of every new home in America, a record, and their finance arms are a big part of why.
~81%
of D.R. Horton’s buyers financed through its own mortgage arm (FY2025)
~45%
of every new US home now sold by the ten largest builders, a record high
4 in 5
builders now buying mortgage rates down to compete
Each runs its own in-house mortgage company
finance armD.R. HortonDHI Mortgage
finance armLennarLennar Mortgage
finance armPulteGroupPulte Mortgage
finance armNVRNVR Mortgage
finance armToll BrothersToll Brothers Mortgage
Regional builders are the ones competing without one. That is the gap Lenuity closes, as a service.
Sources: D.R. Horton SEC filings (DHI Mortgage financing capture, FY2025); NAHB / Eye on Housing (top-ten builder market share); NAHB Housing Market Index and Zonda builder surveys (sales incentives and rate buydowns); Harvard JCHS (concentration among the largest builders). Figures are for general information, not a recommendation or offer.
WHAT LENUITY GIVES YOU
The giants’ advantage, built for you.
Your own finance arm, run for you as a service. Mortgage banking to match the nationals on rate and certainty, plus exclusive products they can’t offer.
Faster, surer closings
The buyer, the home and the financing are lined up before the home goes to market, so more deals close and fewer fall through.
Match them on incentives
Compete with the nationals’ buydowns and rate offers without carrying the entire cost on your own margin.
A sales and marketing lever
Targeted financing offers on the homes, the community or the sales window you choose, to move specific inventory.
Stronger community economics
Your capital is invested in the financing, not spent on discounts and written off. It is returned over time and can earn a variable return. Returns are not guaranteed and capital is at risk.
Products they can’t match
Buy By Phone and Let to Sell: exclusive Lenuity products the giants’ captive mortgage simply can’t offer your buyers.
Mortgage banking to stand level with them. Exclusive products to get ahead.
FINANCE WITH A COMMERCIAL PURPOSE
The right offer.
The right home.
The right moment.
Create targeted financing offers around selected homes, a community or a sales period. Put customer financing to work where it can make a difference.
Illustrative selection only. Offers depend on program terms and applicable assessments.
ILLUSTRATIVE COMMUNITY01 — 06
Select the homes you want an offer to support.
2 of 6 homes selected
A BROADER CUSTOMER-FINANCING SERVICE
Different buyers.
More ways forward.
Buy By Phone and Let to Sell are examples of Lenuity’s wider product capability. Product selection and availability are agreed around the needs of each program.
01 / BUY BY PHONEA different route
Connect investment
A different route
to ownership.
Explore a gradual home-purchase model, with an initial ownership interest and the option to purchase more over time.
Explore Buy By Phone ↗02 / LET TO SELLConnect investment
with homeownership.
Explore how an investor and a homebuyer can purchase complementary interests in a home.
Explore Let to Sell ↗Discuss US program availability and delivery with Lenuity.
COMMERCIAL AMBITION. CUSTOMER CARE.
You build homes.
We build the
financing service.
A more coordinated alternative to fragmented lender and broker relationships, connecting financial product design with regulated lending and servicing partners.
Clear information, responsible offers and fair treatment belong at the center of the customer experience. Your sales objectives and your buyers’ needs should work together.
Our approach to customer care ↗START WITH YOUR AMBITION
Your homes.
Your customers.
A new advantage.
Tell us about your developments, the buyers you want to reach and what you want financing to do for your business.