Bee

What Bee does

Bee Mortgage App Inc is a mobile-first mortgage brokerage founded in 2019 and operating in Indiana (Columbus) and Florida (Ponte Vedra). The company functions as an intermediary between individual borrowers and a network of wholesale lenders, with United Wholesale Mortgage (UWM) serving as its primary "elite lender" partner. Bee's core product is a mobile and web application (curtiswood.my1003app.com) that enables the full mortgage lifecycle — application, document upload, e-signature, pre-approval, real-time loan tracking via SMS, and closing — entirely from a smartphone. The platform supports conventional, FHA, VA, USDA, jumbo, HELOC, and non-QM loan products, and advertises pre-approval letters issued in as fast as 15 minutes and closings in as few as 2 weeks (or 8 days in some cases) when funded through UWM.

Bee earns revenue through transaction fees (broker origination commissions) paid by wholesale lenders upon successful loan closings, covering both home-purchase originations and refinances (rate/term, cash-out, VA IRRRL, FHA streamline). Go-to-market combines direct-to-consumer digital acquisition with a real estate agent referral channel, supplemented by partnerships with down-payment assistance programs (Hometown Heroes Florida, Hoosier Homes, Club720, INTEND Indiana, Home Power / Indiana Homebuyer) that can deliver up to 8% of loan value in buyer assistance. Customer segments include first-time and move-up home buyers, refinance customers, self-employed/ITIN borrowers, military veterans, and Spanish-speaking consumers served by a dedicated bilingual loan officer. Bee has raised approximately $5.2M in disclosed funding across 2020–2022 and operates as a privately held, founder-led company with no disclosed institutional control events.

Name

Bee

Legal name

Bee Mortgage App Inc

Website

https://beemortgageapp.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Bee Mortgage App is a mobile-first mortgage broker operating in Indiana and Florida, connecting homebuyers and refinancers with wholesale lenders for fast pre-approvals and closings. Founded 2019, it serves individual consumers, self-employed borrowers, Spanish-speakers, and veterans.

Ownership category

akta.pro rank

Product category

Residential Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Consumer Direct / Online Mortgage Origination (FSALAAAB)

akta.pro secondary industries

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD), First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Residential Mortgage Origination & Servicing (Retail) (FSABAAAD), HELOC Origination (Revolving Lines of Credit) (FSALAGAB), Call Center / Tele-Sales Mortgage Origination (FSALAAAC)

Keywords

• Mortgage brokerage services
• Home purchase loans
• Mortgage refinancing
• Down payment assistance
• Mobile mortgage application

Headquarters

HQ city

Ponte Vedra

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Mortgage Origination Fees: As a mortgage broker, Bee Mortgage earns commission/fees from wholesale lenders for originating loans. Works with multiple lenders including UWM to find best deals for customers. Revenue is earned upon successful loan closings.
2. Refinance Revenue: Earns fees when homeowners refinance existing mortgages, including rate/term refinances, cash-out refinances, and streamline refinances (VA IRRRL, FHA streamline).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Bee Mortgage App is a mobile-first mortgage brokerage platform that connects individual homebuyers and refinancing homeowners with multiple wholesale lenders (led by UWM) to originate residential mortgage loans. The platform supports the full loan lifecycle from application, verified pre-approval, document upload, e-signature, and real-time status tracking through closing. It also offers HELOCs, second mortgages, down payment assistance matching, and bilingual Spanish-language services for non-traditional borrowers.

Product overview

Bee Mortgage App is a mobile-first mortgage broker platform that connects borrowers with multiple wholesale lenders to offer a comprehensive suite of mortgage products. The platform centers on the Bee Mortgage App itself, which enables the full mortgage lifecycle from application through closing via mobile device. Supporting products include the Mortgage Calculator for payment estimation, a fast Pre-Approval Letter Service that verifies buyers upfront (delivering letters in as fast as 15 minutes), HELOC and Second Mortgage Products for homeowners accessing equity, and Down Payment Assistance Programs through partner organizations. The company also operates a Spanish Language Mortgage Services sub-brand serving bilingual borrowers. The platform differentiates through speed (2-week closings with their primary lender UWM), technology-enabled processes, and partnerships with down payment assistance programs.

Differentiator

Problem solved

Functional benefit

Products and services

• Bee Mortgage App A mobile-first mortgage broker platform enabling individual homebuyers and refinancing homeowners to apply for loans, get verified pre-approvals, upload documents, e-sign, and track loan status in real time entirely from a smartphone. The platform connects borrowers with multiple wholesale lenders (primary partner UWM) to offer a full suite of residential mortgage products and is licensed as NMLS 2192316 / Florida License MBR4701.
• Residential Loan Product Suite A comprehensive suite of residential mortgage products available through the Bee Mortgage App, including Conventional, FHA, VA, USDA, Jumbo, New Construction, and Commercial/Unique Loans. Supports multiple property types including non-warrantable condos, condotels, and manufactured homes, as well as non-traditional borrower qualification paths such as ITIN loans, bank statement loans, P&L-based loans, and asset-based lending for self-employed and non-W-2 borrowers.
• HELOC and Second Mortgage Products Home Equity Lines of Credit (HELOCs) and second mortgage products that let homeowners borrow against accumulated home equity. Offered through Bee Mortgage's wholesale lender network with amounts up to $400,000 and potential 1-week closings without appraisals, available to homeowners in the company's Indiana and Florida service area.
• Down Payment Assistance Programs A partnership-based service that connects qualifying homebuyers with state and local down payment and closing cost assistance programs including Hometown Heroes (Florida Housing), Hoosier Homes (Indiana), Club720, INTEND Indiana, and Home Power / Indiana Homebuyer. Can provide up to 8% of loan amount for down payment and closing costs, materially reducing the cash barrier to homeownership.

Quantifiable outcome

• Pre-approval letters sent in as fast as 15 minutes
• +5 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• UWM (United Wholesale Mortgage)coreStrategic or Co-development PartnerPrimary 'elite lender' partner for mortgage originations. UWM enables Bee Mortgage to offer 2-week closings and competitive rates. Bee Mortgage acts as originator while UWM funds and services loans.
• Hometown Heroes (Florida Housing)coreStrategic or Co-development PartnerDown payment and closing cost assistance program for Florida homebuyers. Bee Mortgage refers eligible customers to this program as part of their affordability solutions.
• Hoosier HomescoreStrategic or Co-development PartnerIndiana-based down payment assistance program. Partnered with Bee Mortgage to help Indiana homebuyers with down payment and closing cost assistance.
• INTEND IndianaminorStrategic or Co-development PartnerIndiana economic development organization offering housing assistance programs. Bee Mortgage connects Indiana homebuyers with INTEND resources.
• Club720minorStrategic or Co-development PartnerDown payment assistance program featured on Bee Mortgage's website. Customer Morton used Club720 to help purchase a home for $178.
• Home Power / Indiana HomebuyerminorStrategic or Co-development PartnerIndiana down payment assistance program. Bee Mortgage partners with this program to help Indiana residents achieve homeownership.
• Weichert Realtors Home GroupcoreChannel Partner/ Reseller/ DistributorReal estate brokerage whose office building houses Bee Mortgage's Indiana location. Greg Simo is Broker/Owner of Weichert Realtors Home Group and also a mortgage loan expert at Bee Mortgage.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• NewRez (formerly New Penn Financial): National mortgage lender and servicer with retail, wholesale, and consumer-direct channels including the Cloudvirga POS platform. Comparable to Bee on wholesale lender relationships, technology-enabled processing, and broad product suite.
• loanDepot: Large multi-channel mortgage lender with retail, wholesale, and consumer-direct arms including the mellohome mobile platform. Comparable to Bee on mobile-first application, multi-channel distribution, and broad loan product offering; operates at substantially larger national scale.
• Rocket Mortgage: Largest U.S. retail mortgage lender and the canonical digital-first mortgage brand. Overlaps with Bee on consumer-direct mortgage origination, mobile application experience, and brand-led GTM, but operates at massive national scale and as a direct lender rather than a broker.

Regional players

• Guild Mortgage: Retail-focused mortgage lender with strong presence in underserved and first-time homebuyer segments. Comparable to Bee on focus on first-time buyers, affordable lending programs, and cultural-segment specialization, though Guild operates across more states with a branch network.
• Mortgage Investors Group: Regional mortgage lender operating across multiple Southeastern U.S. states including Florida. Comparable to Bee on retail purchase lending focus, agent relationships, and emphasis on first-time buyer programs; operates at larger regional scale than Bee.

Direct peers

• Better.com: Digital-first mortgage company offering fully online pre-approvals and a mobile application experience. Direct competitor to Bee on consumer-direct origination, technology-led speed, and home purchase focus, though Better operates as a direct lender and at much larger scale.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender and Bee's primary elite partner. While not a direct retail competitor, UWM competes indirectly by enabling brokers like Bee to access competitive pricing and technology; their wholesale broker portal strategy directly affects Bee's economics and product competitiveness.
• Fairway Independent Mortgage Corporation: Mid-size retail and wholesale mortgage lender with a strong branch-based model and a focus on purchase mortgages. Comparable to Bee on multi-channel distribution, agent partnerships, and emphasis on purchase loans; substantially larger footprint.

Emerging players

• Paramount Equity (LoanSnap): Smaller digital mortgage lender emphasizing speed and online experience. Comparable to Bee on technology-led value proposition and consumer-direct mobile origination; smaller scale and more limited geographic footprint.

Others

• Homepoint: Wholesale mortgage lender providing broker channel infrastructure. As an industry participant in the same broker ecosystem Bee participates in, Homepoint is comparable as a wholesale funding counterparty and competitor for broker relationships; does not directly compete for retail borrowers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/officialBeeapp
• Facebookfacebook.com/beemortgage
• LinkedInlinkedin.com/company/beemortgageapp

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds5 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bee