# Symmetry Lending

> Symmetry Lending is an Atlanta-based financial services company and credit union service organization specializing in HELOC fulfillment for mortgage brokers, bankers, wholesalers and retailers. Its model connects mortgage distribution with bank and credit union lending partners, master servicing and capital markets services, including whole-loan and participation transactions.

- **Founded:** 2018
- **Headquarters:** Atlanta, United States
- **Founders:** Brian MacInnis (Founding entrepreneur; CEO identified in public company profiles), David MacInnis (Founding entrepreneur; President at the time of the March 2019 MortgageFlex announcement)
- **Products:** Stand-Alone HELOC, Concurrent Piggyback HELOC, Post-Close Piggyback HELOC, First Lien HELOC, Second-Lien Investor HELOC
- **Notable:** Reported more than 43,000 HELOCs and $6.3 billion cumulatively funded in March 2023., Reported nearly 50,000 HELOCs, over $7.2 billion cumulatively funded and around $4.0 billion in its servicing book in December 2023., Launched its First Lien HELOC on December 11, 2023.

## Products & services

- **Stand-Alone HELOC** — Home equity credit submitted through approved mortgage professionals outside a concurrent first-mortgage transaction. Eligibility depends on the current product and credit guidelines.
- **Concurrent Piggyback HELOC** — A HELOC coordinated with a first mortgage; separate submission guidance is provided for concurrent retail transactions.
- **Post-Close Piggyback HELOC** — A HELOC completed following the related first-mortgage closing, with dedicated submission instructions.
- **First Lien HELOC** — HELOC in first lien position, launched for approved brokers and wholesalers on December 11, 2023.
- **Second-Lien Investor HELOC** — September 2025 company promotional statements described non-owner-occupied second liens up to 70% CLTV, with product-specific underwriting restrictions. Historical terms, not a current quote.
- **Mortgage fulfillment and master servicing** — Facilitates HELOC origination for lending partners and acts as master servicer; Cenlar handles borrower-facing servicing on Symmetry’s behalf.
- **Capital markets and Symphony** — Whole-loan and loan-participation services for financial institutions, with portfolio diversification and a proprietary investor interface called Symphony. A public platform introduction was published in June 2024.

## Achievements

- Reported more than 43,000 HELOCs and $6.3 billion cumulatively funded in March 2023.
- Reported nearly 50,000 HELOCs, over $7.2 billion cumulatively funded and around $4.0 billion in its servicing book in December 2023.
- Launched its First Lien HELOC on December 11, 2023.

## Latest updates

- **2026-10** — FAMP listed an October 20 HELOC strategy session presented by Symmetry’s Tom Pollock; topics included piggybacks, alternatives to cash-out refinancing and first-lien HELOCs.
- **2026-01** — Broker portal lists January 12 updates to first-lien, post-close piggyback, concurrent retail piggyback and standalone submission guides.
- **2025-09** — Company promotional material announced revised standalone pricing and eligibility, investor-property second liens and a $499 lender origination/application fee; these are historical announcements.
- **2025-08** — Company promotional material announced automated valuations for certain transactions, one-year tax returns for qualifying established self-employed borrowers and a $4 million combined loan amount limit.

## Links

- Website: https://www.symmetrylending.com/
- LinkedIn: https://www.linkedin.com/company/symmetryheloc
- Twitter/X: https://twitter.com/symmetryheloc
- Facebook: https://facebook.com/symmetryheloc

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Profile page: https://yespress.io/symmetry-lending
Published by YesPress — https://yespress.io
Last updated: 2026-10-25