What F5 Mortgage does

F5 Mortgage LLC is an independent mortgage broker headquartered in Traverse City, Michigan, founded in 2020 by Ryan McCallister. The company originates residential mortgages by acting as an intermediary between borrowers and a network of over two dozen wholesale lenders and investors, earning origination fees and spreads on closed loans rather than charging borrowers directly. It operates across at least 10 U.S. states (Colorado, Florida, Georgia, Michigan, Minnesota, Oklahoma, Pennsylvania, South Carolina, Texas, and Virginia) and offers a comprehensive product set spanning fixed-rate, FHA, VA, adjustable-rate, jumbo, USDA, bank statement (self-employed), DSCR (investment property), and zero-down loans, supplemented by state-specific down payment assistance programs and an exclusive 0% Down Purchase Program with United Wholesale Mortgage.

The company's technology layer is a borrower-facing platform called the F5 Mortgage Portal, which supports online applications, document upload, real-time pre-approval updates, and loan status tracking, complemented by an instant rate quote tool and mortgage calculator on the company website. It also operates a "Verification Process" designed to expedite underwriting with real credit reports and documentation to minimize closing surprises. The firm markets itself as technology-enabled but relationship-driven, with loan officers (Cameron Bacon, Alyssa Alberton, Jeff Bozimowski, among others) providing consultative service across online, phone, and live-chat channels alongside a realtor referral network.

The go-to-market motion is hybrid direct-to-consumer and inside sales: digital marketing, SEO against state-specific keywords, Google reviews (4.9/5 from 300+), and customer testimonials drive top-of-funnel demand, while loan officers convert and close. Since founding, the company has funded $1B in home loans for 1,000+ families with a stated 94% customer satisfaction rate. The firm is privately held with no disclosed institutional funding, parent company, or acquisitions, suggesting growth has been funded organically from origination fees.

Name

F5 Mortgage

Legal name

F5 Mortgage LLC

Website

https://f5mortgage.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

F5 Mortgage is an independent mortgage broker founded in 2020 in Traverse City, Michigan, originating residential home loans through partnerships with 20+ wholesale lenders across 10+ U.S. states, serving individual homebuyers, refinancers, and self-employed borrowers via its F5 Mortgage Portal technology platform.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage brokerage
• Residential lending
• Home loan origination
• Home refinance services
• Wholesale lending

Headquarters

HQ city

Traverse City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination Fees/Spreads: As an independent mortgage broker, F5 Mortgage earns revenue through origination fees and spreads from lenders. They partner with over two dozen lenders and investors to find the best deal for clients, earning compensation when loans close.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

F5 Mortgage is an independent mortgage broker that originates residential mortgage loans on behalf of borrowers by partnering with over 20 wholesale lenders and investors. The company brokers fixed-rate, FHA, VA, adjustable-rate, jumbo, bank statement, DSCR, USDA, and zero-down loan programs, supplemented by state-specific down payment assistance. It pairs these loan products with online application tools, an F5 Mortgage Portal for document management and pre-approval tracking, and personalized loan officer support from pre-qualification through closing.

Product overview

F5 Mortgage is an independent mortgage broker offering a comprehensive suite of residential mortgage products and services across multiple states. The company provides fixed-rate, FHA, VA, adjustable-rate, jumbo, bank statement, DSCR, USDA, and zero down mortgage options, supplemented by state-specific down payment assistance programs including the exclusive UWM 0% Down Purchase Program. The company pairs these loan products with technology tools including an online application portal, F5 Mortgage Portal for document management and pre-approval tracking, an Instant Rate Quote Tool, and a Mortgage Calculator. F5 Mortgage serves as an intermediary between borrowers and over two dozen wholesale lenders, positioning itself as a technology-enabled broker offering competitive rates without pressure-based sales tactics.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Loans Traditional residential mortgage loans with a fixed interest rate for the life of the loan, offered over 30-year or 15-year terms with stable monthly payments, brokered through F5 Mortgage's lender network.
• FHA Loans Government-backed mortgages insured by the Federal Housing Administration, offering lower down payment requirements and more flexible credit qualifications for first-time and qualified buyers, available across multiple states.
• VA Loans Mortgage loans guaranteed by the U.S. Department of Veterans Affairs for eligible veterans and military service members, offering favorable terms including no down payment.
• Adjustable-Rate Loans Mortgages with interest rates that may change periodically based on market conditions, typically offering lower initial rates than fixed-rate products.
• Jumbo Loans Loans that exceed conventional conforming loan limits, used for high-value or luxury properties in expensive real estate markets such as California, Florida, Texas, and Virginia.
• Bank Statement Loans Alternative documentation loans allowing self-employed borrowers to qualify using bank statements rather than traditional tax returns, addressing non-standard income situations.
• DSCR Loans Investment property loans qualified based on the property's rental income and Debt Service Coverage Ratio rather than the borrower's personal income, offered in states including Florida and Texas.
• USDA Loans Rural development loans backed by the U.S. Department of Agriculture requiring no down payment and offering competitive rates for properties in eligible rural and suburban areas.
• Zero Down Mortgages Mortgage products requiring no down payment, encompassing USDA loans for eligible rural properties and VA loans for veterans.
• Down Payment Assistance Programs State-specific programs offering grants, forgivable loans, or second mortgages to help cover down payments and closing costs for qualified buyers, available across multiple states.
• UWM 0% Down Purchase Program Exclusive partnership offering with United Wholesale Mortgage providing qualified borrowers with a 3% down payment assistance loan up to $15,000 at 0% interest with no monthly payments, enabling 0% down home purchases.
• Home Refinance Mortgage refinancing services helping homeowners lower monthly payments, access home equity, or change loan terms, offered across states including California, Colorado, Florida, Georgia, and Texas.

Quantifiable outcome

• Pre-approval in under 1 hour
• +4 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• United Wholesale Mortgage (UWM)coreStrategic or Co-development PartnerF5 Mortgage offers an exclusive 0% Down Purchase Program in partnership with United Wholesale Mortgage. Under this program, qualified borrowers can receive a 3% down payment assistance loan up to $15,000 from UWM, allowing them to purchase a home with no upfront down payment. The second lien carries 0% interest, no monthly payments, and the balance is due when the first mortgage is refinanced or paid off.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• CrossCountry Mortgage: Large independent mortgage lender/broker operating across dozens of states with a similar multi-channel retail and wholesale origination model. Closely comparable in product breadth (conventional, FHA, VA, jumbo, non-QM) and reliance on loan officer distribution.
• Fairway Independent Mortgage: Independent mortgage banker with a similar relationship-driven, loan-officer-led model serving purchase and refinance borrowers across the U.S. Comparable in product mix and emphasis on personalized service.
• Guild Mortgage: Independent mortgage lender focused on purchase and refinance with strong first-time homebuyer programs. Comparable in product breadth and emphasis on education, government loan programs, and customer experience.
• Paramount Residential Mortgage Group (PRMG): Independent mortgage banker with national retail and wholesale channels offering conventional, government, and non-QM products. Similar in independent broker/banker hybrid model and reliance on loan officer productivity.
• Homebridge Financial Services: Independent mortgage lender offering retail and wholesale origination across the U.S. Comparable in multi-channel distribution, broad product suite, and focus on loan officer-driven origination.
• NewRez: National mortgage lender and servicer offering retail and wholesale channels with a similar full-spectrum product suite including FHA, VA, USDA, jumbo, and non-QM. Comparable in scale and product breadth.
• Cardinal Financial Company: Independent mortgage banker with retail and wholesale origination. Comparable in multi-state operation, broad product mix, and relationship-based loan officer model.

Broad incumbents

• Rocket Mortgage: Largest U.S. mortgage lender and a direct competitor for the same consumer purchase and refinance borrowers. Comparable in digital-first direct-to-consumer origination but operates at vastly greater scale, marketing budget, and product breadth.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender and F5's partner for the exclusive 0% Down Purchase Program. Indirectly comparable as a wholesale channel partner while also competing in the broker/loan officer ecosystem.
• loanDepot: National retail and wholesale mortgage lender with extensive direct-to-consumer technology and brand investment. Comparable in targeting the same purchase and refinance consumer but at substantially greater scale and marketing reach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/F5Mortgage
• Facebookfacebook.com/f5mortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 F5 Mortgage