What Orion Lending does

Orion Lending is a wholesale mortgage lender that originates residential mortgage loans through a nationwide network of independent mortgage brokers. Operating as a registered DBA of American Financial Network, Inc. (NMLS #237341) and headquartered in Orange, California, the company holds mortgage lender/broker licenses in all 50 states plus DC (excluding New York) and supports broker relationships through a 70+ person Account Executive organization with regional Vice Presidents and Inside/Outside Sales coverage. Its customer base is exclusively independent mortgage brokers rather than retail consumers, and revenue is generated through loan origination fees, net interest margin on originated loans, and secondary market sales under a transaction-based pricing model across Agency, Non-QM, Jumbo, DSCR, and proprietary down payment assistance programs.

The company's core technology is the proprietary STAR Portal, a web-based broker workflow platform that consolidates loan submissions, real-time pipeline visibility, QuickPricer pricing scenarios, one-click automated underwriting routing to Fannie Mae Desktop Underwriter and Freddie Mac Loan Product Advisor, and access to proprietary Down Payment Assistance programs including the Chenoa Fund, Elevate, Boost, and Aurora products. The platform is complemented by STAR Marketing Studio for broker co-marketing, HyperTrack Training for broker education, and the "Tea Talk with Curtis" podcast. These components together constitute the primary differentiator against other wholesale lenders and underpin the company's recognition on HousingWire's Tech100 list in 2024 and 2025 and its #1 Chenoa Lender ranking in 2021 and 2022.

Orion's go-to-market is built around dedicated Account Executives who provide direct broker support alongside competitive product pricing, consistent underwriting turn times, and a comprehensive product suite spanning conventional Agency programs (Fannie Mae, Freddie Mac, FHA, VA, USDA), specialty Non-QM and Jumbo products (Titan FLEX, Titan MD, Titan DSCR, Foreign National), and in-house DPA solutions. The company augments field sales with a multi-channel marketing program — content marketing, social media presence across Facebook, Instagram, LinkedIn, X, TikTok, and YouTube, an industry podcast, participation in tradeshows such as FAMP, UAMP, Colorado Mortgage Summit, and NAMB National, and direct email/SMS outreach — and has recently added a Non-Delegated Correspondent channel alongside its core wholesale franchise. Leadership is anchored by founder and President Jeremy Stewart, supported by a deep bench of VP-level sales executives overseeing divisional and regional operations.

Name

Orion Lending

Legal name

American Financial Network, Inc.

Website

https://orionlending.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

Orion Lending is a wholesale mortgage lender operating through a nationwide network of independent mortgage brokers, offering Agency, Non-QM, Jumbo, DSCR, and proprietary down payment assistance programs via its STAR Portal platform.

Ownership category

akta.pro rank

Product category

Wholesale Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mini-Correspondent / Table Funding Programs (FSALACAC)

Keywords

• Wholesale mortgage lending
• Mortgage origination
• Broker lending platform
• Down payment assistance
• Non-QM loans

Headquarters

HQ city

Orange

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Wholesale Mortgage Origination: Orion Lending operates as a wholesale mortgage lender, generating revenue by originating mortgage loans through independent mortgage broker partners. The company provides competitive pricing on Agency, Jumbo, Non-QM, and DSCR programs, with revenue generated through loan origination fees, net interest margin on originated loans, and secondary market sales.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Orion Lending is a wholesale mortgage banker that originates residential mortgage loans through a network of independent mortgage brokers. The company funds Agency, Non-QM, Jumbo, DSCR, and proprietary Down Payment Assistance loan programs, and provides brokers with the proprietary STAR Portal platform for loan submissions, real-time pricing via QuickPricer, one-click AUS integration, and pipeline management from submission through funding.

Product overview

Orion Lending is a tech-centric wholesale mortgage lender operating as a registered DBA of American Financial Network, Inc. (NMLS #237341). The company offers a comprehensive suite of mortgage products through its proprietary STAR Portal platform, which serves as the central hub for loan submissions, pipeline management, and AUS integrations. The product portfolio includes Agency Programs (Fannie Mae, Freddie Mac, FHA, VA, USDA), Non-QM & Jumbo Programs (Titan FLEX, Titan Prime Jumbo, Vantage products), DSCR Programs for investment properties, and In-House Down Payment Assistance Solutions (Aurora, Boost, Elevate DPA programs). Additional offerings include STAR Marketing Studio for broker marketing, QuickPricer for real-time pricing, HyperTrack Training for broker education, and the Tea Talk with Curtis podcast. The technology platform integrates with Fannie Mae DU, Freddie Mac LPA, and Fannie Mae RefiNow for automated underwriting workflows.

Differentiator

Problem solved

Functional benefit

Brands

• STAR Portal: Proprietary technology platform for streamlined loan submissions and real-time pipeline visibility
• STAR Marketing Studio
• OrionCan Pledge
• Titan Programs
• Elevate Grant
• Boost DPA
• Aurora DPA
• HyperTrack Training
• Tea Talk with Curtis

Products and services

• STAR Portal Proprietary web-based wholesale lending platform for approved mortgage broker partners, providing streamlined loan submissions, real-time pipeline visibility, one-click AUS access, and consistent workflow from submission through funding.
• QuickPricer Real-time loan pricing calculator accessible via the STAR Portal that allows brokers to generate pricing scenarios across Agency, Non-QM, Jumbo, DSCR, and Down Payment Assistance loan programs based on loan parameters and borrower characteristics.
• Agency Loan Programs Conventional and government loan programs including Fannie Mae, Freddie Mac, FHA, VA, and USDA financing, paired with options such as HomeReady, Conventional 97%, and Chenoa Fund DPA for eligible borrowers.
• Non-QM and Jumbo Loan Programs Non-Qualified Mortgage and Jumbo products including Titan FLEX bank statement loans, Titan Prime Jumbo, Jumbo AUS, Vantage, and Edge Investor Select for borrowers who do not meet standard agency guidelines, with jumbo loans up to $3M+.
• DSCR Loan Programs Debt Service Coverage Ratio programs, including Titan DSCR, that qualify investment property and self-employed borrowers based on property cash flow rather than personal income documentation.
• In-House Down Payment Assistance Programs Proprietary DPA solutions including Chenoa Fund DPA (soft second, forgivable, repayable), Elevate Grant DPA (1-5% grant), Boost DPA second lien, and Aurora DPA, designed with varied AMI requirements and terms to support affordable housing lending.
• Titan MD Physician Loan Program Specialty mortgage program for doctors and physicians that does not require tax returns or pay stubs, designed for medical professionals with significant student debt but strong income potential.
• Titan FLEX Foreign National Program Jumbo loan program designed for foreign national borrowers who do not qualify under standard agency requirements.
• STAR Marketing Studio

Quantifiable outcome

• Over $3 billion in Down Payment Assistance loans funded
• +2 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Newfi Wholesale: Non-QM focused wholesale lender with broker portal and specialty programs for self-employed and investor borrowers — directly comparable in Non-QM and DSCR product categories Orion offers.
• Plaza Home Mortgage: Wholesale and correspondent mortgage lender offering Agency, Non-QM, and specialty products through brokers — overlapping product specialization including DPA, similar to Orion's portfolio.
• Rocket Pro TPO: Rocket Companies' wholesale broker channel serving independent mortgage brokers with a comprehensive product set including Agency, Jumbo, and specialty programs. Closely comparable in go-to-market and tech-led broker experience.
• Paramount Residential Mortgage Group (PRMG): National mortgage lender with a substantial wholesale channel serving independent brokers with conventional, government, jumbo, and DPA products — similar scope and broker-centric model to Orion.
• Caliber Wholesale (Caliber Home Loans): Large non-bank mortgage lender with a significant wholesale channel targeting independent brokers across Agency, Non-QM, and specialty products — overlaps Orion's product breadth and broker-led distribution.
• Angel Oak Mortgage Solutions: Non-QM wholesale mortgage lender specializing in non-conforming, jumbo, and alternative documentation loans through broker partners — comparable specialty program focus to Orion's Non-QM and bank statement offerings.
• Homepoint (now Angel Oak): National wholesale and correspondent mortgage lender serving independent brokers with a broad product mix — historically a direct competitor in the wholesale broker channel.
• United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender, offering broker partners competitive pricing, proprietary tech (BOLT), and a broad product suite spanning Agency, Jumbo, and Non-QM — directly comparable to Orion's wholesale model and tech-centric positioning.
• loanDepot Wholesale (ldwholesale): Wholesale lending division of loanDepot focused on broker partnerships with full Agency, Government, and Non-QM programs and a broker portal — directly comparable to Orion's STAR Portal experience.

Emerging players

• Kind Lending: Growth-stage wholesale mortgage lender investing heavily in broker technology and product breadth — comparable in tech-centric go-to-market targeting independent brokers, though smaller in scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/orionlending
• YouTubeyoutube.com/channel/UCTsz1uQD20omQ0qSNGbugOw
• Facebookfacebook.com/OrionLending
• LinkedInlinkedin.com/company/orion-lending
• Instagraminstagram.com/orionlending
• TikToktiktok.com/@orionlending

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 Orion Lending