Easy Mortgage

What Easy Mortgage does

Easy Mortgage, Inc. is a privately held, locally owned mortgage banker and broker headquartered in Madison, Wisconsin, founded in 2005 and licensed to originate loans exclusively on Wisconsin properties. The firm operates with a small team (1-10 employees; four named NMLS-licensed originators including President Tom Wunderlin, Senior Loan Originator Joshua Bittner, Mortgage Loan Consultant Jeremy J. Bittner, and Senior Government Specialist Kelly Diny) and originates residential mortgages across a broad product spectrum: fixed-rate, adjustable-rate, FHA, VA, USDA, WHEDA, Jumbo, and refinance-with-cash-back products. It participates in the Homes for Heroes affiliate program, providing specialized savings to veterans, service members, and other public-service professionals, and accepts borrowers with credit scores as low as 500-580 — explicitly positioning against banks and credit unions that have turned applicants away.

The company generates revenue primarily through transaction fees on loan origination, including interest-rate spread, closing costs, and origination fees, with the ability to shop pricing across 15+ wholesale investors to remain rate-competitive. Pricing is not publicly tiered; instead, the firm emphasizes rates 0.25% below local banks, waived closing costs for first-time homebuyers, and 72-hour-or-less approval timelines. Distribution is hybrid: a secure online application portal paired with direct phone-based and in-person consultations, supported by content marketing (blog, Mortgage 101 Guide, mortgage calculator, document checklist) and customer referrals.

There are no disclosed AI/ML capabilities, proprietary technology platforms, or software products beyond the online application server. The business model is operationally simple — a high-touch, government-program-heavy retail origination franchise whose outputs are entirely dependent on the Wisconsin housing market, individual loan-officer relationships, and wholesale investor pricing. Growth, expansion, and funding are not disclosed; the company appears to be a stable, single-state lifestyle business rather than a scaling platform.

Name

Easy Mortgage

Legal name

Easy Mortgage, Inc.

Website

https://easymortgagecompany.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Easy Mortgage is a privately held, locally owned Wisconsin mortgage banker and broker founded in 2005, originating FHA, VA, USDA, WHEDA, jumbo, and conventional loans exclusively on Wisconsin properties for individual homebuyers and veterans.

Ownership category

akta.pro rank

Product category

Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA), Wholesale Mortgage Lending (Broker Channel) (FSALACAA), First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)

Keywords

• Mortgage lending
• Home loans
• Mortgage broker
• VA loans
• FHA loans

Headquarters

HQ city

Madison

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination and Lending: Easy Mortgage generates revenue through originating mortgage loans. They function as both a mortgage banker and broker, offering competitive rates by shopping across 15+ different wholesale investors. Revenue comes from interest rates charged on mortgages, closing costs, and loan origination fees. They emphasize offering the lowest closing costs and pay for appraisal, title, and other costs as part of their value proposition.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Easy Mortgage is a locally owned and licensed mortgage banker and broker in Madison, Wisconsin that originates home purchase and refinance mortgage loans. The company shops wholesale rates from 15+ investors to offer competitive interest rates, lowest closing costs, and government-backed loan programs including FHA, VA, USDA, WHEDA, and Jumbo loans. Loans are processed through a secure online application platform with approval targeted within 72 hours.

Product overview

Easy Mortgage is a locally owned and operated mortgage lending company serving the Madison, Wisconsin area since 2005. The company offers a comprehensive suite of mortgage products centered around its core lending platform, which includes Fixed Rate Home Loans and Adjustable Rate Mortgages as foundational products. The product portfolio extends to government-backed programs including FHA Home Loans, VA Home Loans, USDA Home Loans, and WHEDA Home Loans for Wisconsin residents. Specialty offerings include Jumbo Loans for higher-value properties and No Down Payment Programs. The company also provides digital tools including an Online Mortgage Application platform, Mortgage Calculator, and Mortgage 101 Guide educational resource, along with Document Checklist tools. Refinancing options include standard refinance and Refinance with Cash Back products. Additional support programs include First-Time Home Buyer Programs and Making Home Affordable Programs. The company positions itself as accessible and responsive compared to traditional banks, offering approval in 72 hours or less and shopping rates from over 15 different investors to find the best terms for borrowers.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Home Loans Conventional mortgage loans with a fixed interest rate for the entire loan term, offering borrowers flexibility to choose 10, 15, 20, 25, or 30-year terms with consistent monthly payments. Designed for individual homebuyers and homeowners in Wisconsin.
• Adjustable Rate Home Loans (ARMs) Mortgage loans with interest rates that adjust periodically after an initial fixed rate period, intended for individual borrowers who plan to stay in their homes for only a few years. Available to Wisconsin homebuyers.
• FHA Home Loans Federal Housing Administration insured loans for borrowers with low to moderate income, accepting FICO scores as low as 500 with 3.5% down payments. Targeted at individual homebuyers needing more flexible qualification standards.
• VA Home Loans Veterans Administration home loans for eligible veterans, service members, and surviving spouses, offering 100% financing, no money down, no closing costs, and no prepayment penalties. Offered in partnership with Homes for Heroes.
• WHEDA Home Loans Wisconsin Housing and Economic Development Authority loans providing special programs for Wisconsin home buyers, including 100% financing, lowest monthly payments, and closing cost assistance for income-eligible borrowers.
• USDA Home Loans 100% no-money-down home mortgage loans backed by the US Department of Agriculture, designed for low and moderate income families purchasing homes in eligible rural Wisconsin areas.
• Jumbo Loans Non-conforming mortgages for buyers purchasing higher-value homes with loan amounts above the conforming limit, offered with both fixed and variable rate options and a no-loan-cost structure for individual homebuyers.
• No Down Payment Programs Affordable home loan package combining VA, USDA, and WHEDA programs that require no down payment for eligible borrowers purchasing in the Madison, Wisconsin area.
• Refinance with Cash Back Refinancing product that allows existing Wisconsin homeowners to leverage home equity to obtain additional cash for renovations, debt consolidation, or large purchases.
• First-Time Home Buyer Programs Specialized mortgage programs and bundled guidance designed to help individual first-time homebuyers navigate the home buying process with education, flexible financing options, and low or zero down payment assistance.
• Making Home Affordable Programs Government-backed mortgage modification and refinancing programs that help existing homeowners lower their monthly mortgage payments to more affordable levels.

Quantifiable outcome

• Approval in 72 hours or less
• +1 more outcomes

Named customers6 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

Partnerships

Four partnerships are on record, tiered core and minor.

• Homes for HeroescoreGTM or Marketing PartnerEasy Mortgage participates in the Homes for Heroes program which provides special VA home loan mortgage rates and significant savings to veterans, service members, police officers, firemen, teachers, nurses, and doctors.
• Better Business BureauminorOthersRecognized member of the Better Business Bureau with accredited business status.
• Wisconsin Mortgage Professionals AssociationminorOthersMember of Wisconsin Mortgage Professionals Association.
• National Association of Mortgage BrokersminorOthersRecognized member of the National Association of Mortgage Brokers (NAMB).

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Caliber Home Loans: National mortgage lender with significant non-QM and government loan (VA, FHA, USDA) specialization. Direct overlap with Easy Mortgage in serving non-prime and government-eligible borrowers.
• Fairway Independent Mortgage Corporation: Large independent retail mortgage lender with strong government loan (VA, FHA, USDA) programs and a focus on relationship-based service. Closely comparable to Easy Mortgage in customer segment, product mix, and service orientation.
• Movement Mortgage: Top-10 U.S. retail mortgage lender with strong VA and government loan focus and rapid-close offerings. Overlaps directly with Easy Mortgage in government-backed lending and customer service-driven positioning.
• Supreme Lending: Mid-size retail and wholesale mortgage lender with similar product mix including government and jumbo loans. Comparable branch-based relationship model to Easy Mortgage.
• Guaranteed Rate: National mortgage lender operating retail and wholesale channels with similar product breadth (conventional, FHA, VA, USDA, jumbo). Comparable broker/banker hybrid model and rate-shopping positioning to Easy Mortgage.

Broad incumbents

• loanDepot: Major national mortgage lender offering purchase, refinance, and HELOC products via retail and wholesale channels. Direct overlap with Easy Mortgage's product suite, with loanDepot operating at much greater scale across all 50 states.
• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender, providing the broker channel access to competitive rates. UWM is a key wholesale investor partner-type for brokers like Easy Mortgage, and competes for share of the same broker-originated volume.
• Rocket Mortgage: Largest U.S. mortgage lender and a direct competitor in retail residential mortgage origination. Easy Mortgage competes with Rocket's brand, technology, and rate shopping, but operates as a local Wisconsin broker while Rocket operates at national scale with proprietary technology.

Regional players

• Associated Bank Mortgage: Wisconsin-headquartered bank offering retail mortgage products throughout the state. Direct regional competitor to Easy Mortgage, with deposit-funded balance sheet providing rate competition on conventional products.
• UW Credit Union Mortgage: Wisconsin-based credit union offering competitive mortgage rates to members across the state. Overlaps with Easy Mortgage in serving Wisconsin homebuyers, particularly first-time buyers, but with a member-funded cost structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/EasyMortgageCompany
• LinkedInlinkedin.com/company/easy-mortgage-corp

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 Easy Mortgage