Dominion Financial Services

What Dominion Financial Services does

Dominion Financial Services is a privately held, nationwide business-purpose real estate lender headquartered in Baltimore, MD, founded in 2002 and operating as part of The Dominion Group of Companies. The company originates four core loan products for real estate investors: 30-year DSCR-based rental loans, short-term fix-and-flip bridge loans, ground-up construction loans, and multifamily bridge loans. Lending is conducted in all 50 states plus Washington D.C. (excluding Nevada), supported by an in-house underwriting team and a proprietary technology platform that includes a no-appraisal valuation model for residential transition loans and an accelerated 24-hour draw process. As of Q1 2025, cumulative originations have surpassed $4.9 billion across more than 17,000 investor projects.

The company operates a hybrid go-to-market combining direct-to-investor sales with a wholesale channel, the latter formalized through a Third Party Origination Broker Program and a dedicated Wholesale Division launched in 2024 under President Dustin Wells. Product breadth has expanded rapidly, with new launches including a Bridge Loan Program offering 100% acquisition and rehab financing, Express Rental Loans enabling 10-day DSCR closings, and the Harvey AI assistant for 24/7 client support. Sub-brands such as Real Investor Radio and the DASH Fund community development initiative support brand authority and ecosystem engagement.

Revenue is generated through a combination of interest income on originated loans (rates of 9.5%-11% by product), origination and processing fees, and gains on securitization of loan portfolios, including a $150 million RTL securitization completed in April 2025. The company also owns and operates a portfolio of more than 850 rental properties in Baltimore, providing firsthand investor operating experience that informs product design and underwriting. Dominion has been recognized on the Inc. 5000 list of fastest-growing companies, multiple Scotsman Guide Top Private Lender rankings, and Baltimore Sun Top Workplace awards.

Name

Dominion Financial Services

Legal name

Dominion Financial Services LLC

Website

https://dominionfinancialservices.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

101–250 employees

Short description

Dominion Financial Services is a private nationwide business-purpose real estate lender headquartered in Baltimore, MD, offering DSCR rental, fix-and-flip, construction, and multifamily bridge loans to real estate investors across all 50 states.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industries

Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), Jumbo & Portfolio Wholesale Lending (FSALACAF), Private Credit & Direct Lending Fundraising Placement (FSAEALAE)

Keywords

• Private real estate lending
• DSCR rental loans
• Fix and flip financing
• Bridge loan programs
• Construction lending

Headquarters

HQ city

Baltimore

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Origination Interest Income: Dominion originates loans (fix-and-flip, DSCR rental, construction, multifamily bridge) and earns interest income on the loans it originates and holds or sells. Interest rates range from 9.5% to 11% depending on product type.
2. Origination and Processing Fees: Fees charged for loan origination, including potential origination points on certain products. Fix-and-flip loans offer options with no upfront origination points.
3. Securitization Gains: Company securitizes loan portfolios (e.g., $150M securitization backed by 464 RTLs) to access capital markets and fund continued lending operations.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Dominion Financial Services is a nationwide private lender that originates residential real estate loans for investors, including 30-year fixed-rate DSCR rental loans, short-term fix-and-flip bridge loans, ground-up construction loans, and multifamily bridge loans. The company serves real estate investors directly through an in-house sales team and indirectly through a wholesale broker program, funding projects across all 50 states with in-house underwriting and proprietary technology.

Product overview

Dominion Financial Services is a nationwide private real estate lender offering a suite of residential real estate financing solutions. The company operates four core loan products: 30-Year Rental Loans (DSCR-based long-term financing), Fix & Flip Loans (short-term bridge loans for acquisition and renovation), Ground-Up Construction Loans, and Multifamily Bridge Loans. These are complemented by Express Rental Loans (a fast-closing DSCR product launched in 2026), the Bridge Loan Program with 100% LTC financing, and Harvey, a proprietary AI assistant. The company also operates a Third Party Origination Broker Program for wholesale lending partners and the DASH Fund for community development. Founded in 2002 and headquartered in Baltimore, MD, the company has funded over $4.9 billion in loans across 50 states.

Differentiator

Problem solved

Functional benefit

Brands

• Express Rental Loans: DSCR rental loan product capable of closing in as little as 10 days, with a price-beat guarantee.
• Harvey
• DASH Fund
• Real Investor Radio

Products and services

• 30-Year Rental Loans (DSCR Rental Loans) 30-year fixed-rate loans for new purchases and refinances of residential rental investment property. Borrowers qualify based on Debt Service Coverage Ratio (DSCR) of the property rather than personal DTI, with no tax returns required. Offers up to 80% LTV, includes a DSCR Price-Beat Guarantee, and is designed for real estate investors building long-term rental portfolios.
• Fix & Flip Loans (Residential Transition / Bridge Loan Program) Short-term bridge loans for the acquisition and renovation of residential property for resale. Offers up to 100% loan-to-cost financing covering both acquisition and rehab costs with no appraisal required. Interest rates as low as 9.5% with a buydown option, or 11% with no origination points. Targets real estate investors who purchase, renovate, and resell properties within 12-24 months.
• Ground-Up Construction Loans Financing for new residential construction projects nationwide. No appraisal required. Designed for developers and investors building ground-up residential properties, with in-house underwriting to streamline the borrowing process.
• Multifamily Bridge Loans Short-term bridge financing for multifamily acquisitions and repositioning. Covers both multifamily rehab and multifamily new construction projects for investors acquiring and rehabilitating 2-10 unit properties.
• Express Rental Loans DSCR rental loan product capable of closing in as little as 10 days, setting a new industry standard for speed. Includes a DSCR Price-Beat Guarantee, up to 80% LTV, and no tax returns required. Designed to provide faster closings to real estate investors leveraging internal processes and technology.

Quantifiable outcome

• 10-day DSCR loan closings (Express Rental Loans) - sets new industry standard
• +2 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• RCN Capital: RCN Capital is a direct private lender to real estate investors offering fix-and-flip, rental, and multifamily loans. It competes head-to-head with Dominion on fix-and-flip and DSCR products.
• Kiavi: Kiavi (formerly Patch of Land) is a technology-enabled private lender to residential real estate investors offering bridge and DSCR products. Comparable tech-forward approach and similar investor target market as Dominion.
• CoreVest Finance: CoreVest (a Redwood Trust company) is a leading private lender to single-family rental investors, offering DSCR rental and bridge loans. It directly competes with Dominion's rental and bridge products and is a key benchmark for DSCR market share.
• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions originates non-QM and DSCR residential loans through retail and wholesale channels. Comparable to Dominion on product mix and the wholesale broker program launched in 2024.
• Verus Mortgage Capital: Verus Mortgage Capital is a non-QM and investor-loan aggregator and capital partner. It is a comparable non-QM originator with securitization capabilities overlapping with Dominion's $150M RTL deal.
• Lima One Capital: Lima One Capital originates fix-and-flip, rental, and new construction loans to real estate investors nationwide. It is one of the closest direct comparables to Dominion, with a similarly diversified non-QM product suite and similar borrower base.
• JMAC Lending: JMAC Lending is a non-QM and DSCR-focused wholesale and retail lender. Comparable business model to Dominion's emerging wholesale division, with similar emphasis on DSCR rental products.
• Toorak Capital Partners: Toorak Capital Partners is a private credit platform focused on residential transition and rental loans, with a strong securitization issuance program. It directly parallels Dominion's RTL securitization strategy.
• AHL (American Heritage Lending): American Heritage Lending is a private residential lender offering non-QM, DSCR, and fix-and-flip products through wholesale and retail channels. Comparable mix of products and broker program.

Broad incumbents

• NewRez: NewRez (formerly New Penn Financial) is a top-15 mortgage originator with a substantial non-QM and DSCR product offering. It competes across Dominion's product set but at significantly larger scale and broader scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCFT1vfgMeXtH_1KriebXj_w
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/dominion-financial
• Instagraminstagram.com/dominionfinanciallending

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries3 records

Funding overview

Funding rounds1 record

Investors

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 Dominion Financial Services