Case Study: Lighthouse Lending, LLC
Lighthouse Lending was formed in July 2002 and has built a strong reputation as an outstanding
mortgage broker firm serving the lending needs of real estate professionals, builders and
individual home owners throughout the country.
Industry: Project Type:
Mortgage Strategic Planning
Challenge
Lighthouse Lending engaged Dyer Consulting Group to help them address the changing
landscape that was taking place within the mortgage industry due to the subprime mortgage
credit crisis. Lighthouse saw that there was going to be legislation and regulation coming out
of the crisis, and wanted to be prepared to deal with it. They predicted that the small
mortgage broker companies were going to be hit the hardest with any potential changes.
Solution
DCG helped the company explore its strategic alternatives by completing a strategic plan to
address the changes that were taking place in the marketplace. One result of that session was
Lighthouse was going to pursue a “Net Branch” strategy. Using the Net Branch strategy will
also allow Lighthouse the ability to offer FHA loans, which it currently does not. Dyer
Consulting Group assisted Lighthouse with the identification of possible Net Branch partners.
We helped them in analyzing the financial impact for each potential partner to see which one
was most profitable for Lighthouse. We also assisted them with the final decision of a
partner.
Results
Net Branches offer independent mortgage broker entrepreneurs the infrastructure they need
to be successful in a changing environment, while allowing them to run the business as they
want to. Lighthouse will have the backing of a larger organization to take care of its
administrative, accounting, HR, and compliance. This choice will allow Lighthouse to expand
its footprint without worrying about the overhead costs that were keeping it from achieving
its growth and profitability goals.
Customer Feedback
“Working with Dyer Consulting was very helpful. The insightfulness
and attention that we were given were second to none and came
at a very important time for us. We now have a clear picture as to
what we need to do in order to grow our business.”
Tom Beck, Co-Owner Lighthouse Lending





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