Home Point Capital Inc., together with its affiliated companies, operates as a firm specializing in both the creation and ongoing management of residential mortgage loans. Its business is divided into two primary areas: Origination and Servicing. The Origination division is responsible for acquiring new mortgages, which it sources directly from borrowers, through wholesale partnerships, and via correspondent channels. The Servicing division handles a comprehensive suite of post-origination duties, including processing loan repayments, remitting principal and interest to investors, managing escrow accounts for property-related expenses like taxes and insurance, implementing loss mitigation strategies on behalf of investors, and generally administering the mortgage portfolio. The company was established in 2014 and maintains its headquarters in Ann Arbor, Michigan.