Dominion Financial Services
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.
- Company typePrivate
- Founded2002
- HeadquartersBaltimore, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
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.
Dominion Financial Services firmographics
Firmographics- 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
Dominion Financial Services industry classification
Industry- 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
Where Dominion Financial Services is headquartered
LocationHeadquarters
- HQ city
- Baltimore
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Dominion Financial Services business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- 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.
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Fix & Flip Loans - Up to 100% LTC with rates from 9.5% |
| Subscription | Monthly | 30-Year DSCR Rental Loans - Up to 80% LTV with Price-Beat Guarantee |
| Subscription | Monthly | Express Rental Loans - 10-Day DSCR Closings |
| Transaction based/ take rate | Pay-as-you-go | Ground-Up Construction Loans - Nationwide |
| Transaction based/ take rate | Pay-as-you-go | Multifamily Bridge Loans |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels8 records
Dominion Financial Services product offering
Product offeringCore 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
Companies that use Dominion Financial Services
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles5 records
Dominion Financial Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Dominion Financial Services partnerships and signals
Strategic signalScale indicators8 records
Recent moves6 records
Expansion highlights5 records
Dominion Financial Services competitors and assessment
Company assessmentDirect 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
Dominion Financial Services social profiles
Digital presenceDominion Financial Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dominion Financial Services leadership team
Management profileNumber of profiles
Profiles5 records
Dominion Financial Services subsidiaries and ownership
Company hierarchySubsidiaries3 records
Dominion Financial Services funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dominion Financial Services M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Dominion Financial Services
What does Dominion Financial Services do?
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.
Is Dominion Financial Services a public or private company?
Dominion Financial Services is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Dominion Financial Services founded?
Dominion Financial Services was founded in 2002. It employs 101 to 250 people.
Where is Dominion Financial Services based?
Dominion Financial Services is headquartered in Baltimore, United States, in the North America region.
How does Dominion Financial Services make money?
Three revenue lines are on record. Loan Origination Interest Income is the primary driver. The others are origination and Processing Fees and securitization Gains.
Who are Dominion Financial Services's main competitors?
Direct peers on record are RCN Capital, Kiavi, CoreVest Finance, Angel Oak Mortgage Solutions, Verus Mortgage Capital, Lima One Capital, JMAC Lending, Toorak Capital Partners and AHL (American Heritage Lending). NewRez is listed as a broad incumbent.
Does Dominion Financial Services have an API?
No public API is recorded for Dominion Financial Services.
What industry is Dominion Financial Services in?
Dominion Financial Services's product category is Private Real Estate Lending. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation, with a secondary code of FSALADAH, Construction & Development (C&D) Lending — Commercial/Multifamily. Its NAICS code is 522292 and its SIC code is 6162.