One Real Mortgage

What One Real Mortgage does

One Real Mortgage Corp. is a US mortgage brokerage that originates purchase and refinance loans on behalf of third-party lenders, operating as a wholly-owned subsidiary of The Real Brokerage Inc. (NASDAQ: REAX) since 2022. The company is headquartered in Detroit, Michigan, holds licenses in 29 states plus the District of Columbia, and serves individual home buyers and refinancing homeowners through a digital-first platform and a captive referral channel of more than 31,000 Real Brokerage agents. Its product portfolio spans more than 50 loan programs including Conventional, FHA, VA, USDA, Jumbo, HELOC, Non-QM, Renovation, and Construction loans, supported by a Real Buyer Credit promotion of up to $1,500 toward closing costs and a Real Originate program that enables licensed real estate agents to earn loan origination compensation in partnership with the company's Internal Loan Officers.

The technology stack combines a third-party loan origination system (Sonar by Simplist Technologies) for workflow management with E-SIGN compliant electronic signatures, an online pre-approval application, and interactive mortgage calculators. It is layered onto The Real Brokerage's broader real estate technology ecosystem, which adds AI-powered home search (HeyLeo), financial services (Real Wallet), and adjacent title/escrow services (One Real Title, Surfline Escrow) to provide an end-to-end transaction experience. One Real Mortgage does not fund loans itself; it brokers loans to a network of third-party lenders and earns transaction commissions on funded loans, with reported 2025 revenue of $6 million (50% year-over-year growth). The go-to-market motion is sales-led and digital, with the agent referral channel serving as the primary bottom-of-funnel acquisition path and content marketing supporting top-of-funnel SEO and education.

Name

One Real Mortgage

Legal name

One Real Mortgage Corp.

Website

https://onerealmortgage.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

One Real Mortgage is a US mortgage broker subsidiary of The Real Brokerage (NASDAQ: REAX) that originates purchase and refinance loans across 29 states plus DC, distributing through a digital platform and a captive network of 31,000+ Real agents.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA), Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Mortgage brokerage services
• Home purchase financing
• Residential refinancing
• Loan origination platform
• Real estate lending

Headquarters

HQ city

Iselin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Brokerage Commissions: One Real Mortgage Corp. operates as a mortgage broker that arranges loans with third-party providers. The company earns commissions and fees from lenders when loans are originated and funded. As stated on the website, 'One Real Mortgage is a mortgage broker that arranges loans with third-party providers, and a consumer's loan is subject to final approval by One Real Mortgage's third-party lenders to which One Real Mortgage brokers loans.' Revenue for 2025 was $6 million representing 50% year-over-year growth.
2. Real Originate Agent Partnership: Real Originate program enables licensed real estate agents to earn loan origination compensation by partnering with One Real Mortgage's Internal Loan Officers to guide clients through the mortgage process from application to closing.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

One Real Mortgage Corp. is a mortgage broker that arranges home purchase and refinance loans with a network of third-party lenders, providing borrowers with access to 50+ loan programs including Conventional, FHA, VA, USDA, Jumbo, ARM, HELOC, Non-QM, and Down Payment Assistance options. The company delivers a digital mortgage experience with online pre-approval, real-time application status updates, E-SIGN compliant electronic signatures, and dedicated loan officer support, and is tightly integrated with The Real Brokerage's real estate agent network and broader ecosystem of title and financial services.

Product overview

One Real Mortgage Corp. is a mortgage broker subsidiary of The Real Brokerage Inc. (NASDAQ: REAX) that provides purchase and refinance mortgage services nationwide. The core offering is a technology-driven mortgage platform enabling fast, transparent home financing with access to 50+ loan programs. Key products include the Real Buyer Credit (up to $1,500 closing cost incentive), Real Originate (agent commission partnership program), HeyLeo (AI voice-enabled home search), Real Wallet (financial services), and One Real Title (escrow/settlement services). The company operates as part of Real's integrated real estate ecosystem spanning agents, buyers, sellers, mortgages, and title services.

Differentiator

Problem solved

Functional benefit

Brands

• Real Buyer Credit: A program offering eligible homebuyers up to $1,500 credit toward their home purchase when financing through One Real Mortgage.
• Real Originate

Products and services

• Purchase and Refinance Mortgage Brokerage Services Core mortgage brokerage service that arranges home purchase and refinance loans with a network of third-party lenders. Borrowers can apply online, receive pre-approval decisions, lock rates, upload documents, and track their loan through closing with real-time status updates. Available to individual consumers in 29 states plus Washington D.C.
• Loan Programs Portfolio (50+ Programs) Portfolio of 50+ mortgage loan products offered through One Real Mortgage's network of third-party lenders, including Conventional, Fixed-Rate, Adjustable-Rate (ARM), VA, FHA, USDA, Jumbo, Down Payment Assistance (DPA), HELOC, Non-QM, Renovation, Construction, and Refinance loans.
• Real Buyer Credit Incentive program offering eligible homebuyers up to $1,500 credit toward closing costs when they work with a Real Brokerage real estate agent and finance their home purchase through One Real Mortgage.
• Real Originate Agent Program Partnership program that allows licensed real estate agents to participate in the mortgage origination process, working alongside One Real Mortgage's Internal Loan Officers to guide clients through applications and earn loan origination compensation upon closing.

Quantifiable outcome

• One Real Mortgage revenue grew 50% year-over-year to $6 million in 2025
• +1 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• The Real Brokerage Inc. (Parent Company)coreStrategic or Co-development PartnerOne Real Mortgage Corp. is a wholly-owned subsidiary of The Real Brokerage Inc. (NASDAQ: REAX). The integration with Real Brokerage's platform provides access to over 31,000 licensed real estate agents who serve as the primary referral channel for mortgage clients. One Real Mortgage is part of Real's integrated real estate ecosystem including real estate brokerage, title services, and financial products.
• Simplist Technologies, Inc. (Sonar)coreTechnology or IntegrationOne Real Mortgage uses Sonar, a software-as-a-service loan origination platform provided by Simplist Technologies, Inc., to process and manage mortgage applications through the lending workflow.
• Third-Party LenderscoreChannel Partner/ Reseller/ DistributorOne Real Mortgage operates as a mortgage broker that arranges loans with third-party providers. Loans are subject to final approval by One Real Mortgage's third-party lenders to which the company brokers loans. The company works with a network of top lenders to secure competitive rates for borrowers.
• One Real Title and Real Title EntitiescoreStrategic or Co-development PartnerOne Real Mortgage is affiliated with One Real Title Inc. and related title/escrow entities (1848 Closing Services, One Real Closing Services entities, Real Title Elite Solutions, Surfline Escrow, etc.) through common ownership under The Real Brokerage Inc. This enables integrated real estate transactions with coordinated mortgage, title, and escrow services.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender, partnering exclusively with independent mortgage brokers. Most directly comparable to One Real Mortgage's broker model and reliance on third-party lender-funded origination.
• loanDepot: National retail and wholesale mortgage lender offering purchase and refinance products through both consumer-direct and broker channels, directly comparable in product mix and customer segment.
• CrossCountry Mortgage: Large national mortgage lender with retail, wholesale, and consumer-direct channels, offering purchase and refinance products across a broad product set, similar in model and product breadth to One Real Mortgage.
• Guaranteed Rate: National retail and wholesale mortgage lender with a sizable broker channel (Guaranteed Rate Partner Division) and consumer-direct brand, directly comparable to One Real Mortgage's purchase/refi focus.
• Fairway Independent Mortgage: Top-10 U.S. retail mortgage lender with significant branch and broker-relationship operations, comparable to One Real Mortgage's retail-residential purchase and refinance focus.
• NewRez (formerly New Penn Financial): National mortgage lender with retail, wholesale (Shellpoint Mortgage Servicing) and consumer-direct channels, offering a similar purchase/refinance product set to One Real Mortgage.
• Caliber Home Loans: National mortgage lender with retail and wholesale/correspondent channels, focused on purchase and refinance products comparable to One Real Mortgage's offering.
• Homepoint: Wholesale and correspondent mortgage lender focused on independent mortgage brokers, the closest direct comparison to One Real Mortgage's broker-driven origination model.

Broad incumbents

• Rocket Mortgage: Largest U.S. mortgage originator, operating retail, wholesale (Rocket Pro TPO), and direct-to-consumer. Sets the competitive bar on technology, pricing, and customer experience across both retail and broker channels.

Emerging players

• Better.com: Digital-first consumer-direct mortgage lender pursuing an end-to-end tech-enabled home financing experience, an emerging competitive threat to traditional brokers like One Real Mortgage.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/onerealmortgage
• LinkedInlinkedin.com/company/onerealmortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

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 One Real Mortgage