A+ Mortgage Services

What A+ Mortgage Services does

A+ Mortgage Services, Inc. is a privately held Wisconsin-based direct mortgage lender founded in 2001 and headquartered in Muskego, operating three branch offices (Muskego, Delafield, Madison) plus origination activity in Florida. The company originates, processes, underwrites, and funds loans entirely in-house across conventional (fixed, adjustable, jumbo), FHA, VA, USDA, and PMI product lines, then sells closed loans directly into the Fannie Mae and Freddie Mac secondary market. Its wholly-owned subsidiary, The Centurion Group, was integrated in 2013 and specializes in high-net-worth and complex-scenario lending, while additional branded teams (A+ Selensky Mortgage Experts, Premier Lending Team) extend the production force into Florida relocation and general Wisconsin retail flows.

The business model is transaction-based: revenue is generated primarily through origination fees (typically 2%-6% of loan amount in closing costs) and net interest spread captured before secondary market sale, rather than through recurring SaaS or servicing fees. Go-to-market is hybrid and sales-led, combining direct-to-consumer online applications, a 20+ loan officer relationship-driven sales force, and a GMAR-sponsored Realtor Partnership Program that channels referrals from local real estate agents. Underlying technology is described as an in-house processing and underwriting platform with no disclosed AI/ML capabilities, APIs, or integrations beyond standard agency seller/servicer connectivity to GSEs and government insurers (FHA, VA, USDA).

Ownership is concentrated among founding management led by CEO Alex Leykin, with no disclosed private equity, venture capital, or institutional investor participation. The company operates as an independent, correspondent-style direct lender competing against both larger banks and broker channels primarily on the basis of in-house decisioning speed, single-point-of-contact service, and local market reputation in Wisconsin and Florida.

Name

A+ Mortgage Services

Legal name

A+ Mortgage Services, Inc.

Website

https://trustaplus.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

A+ Mortgage Services is a privately held Wisconsin-based direct mortgage lender (founded 2001) that originates, underwrites, and funds FHA, VA, USDA, conventional, and jumbo loans in-house for individual homebuyers and realtor referrals across Wisconsin and Florida.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

Keywords

• Residential mortgage lending
• Direct mortgage lender
• Home purchase loans
• Conventional and government loans
• Mortgage refinancing services

Headquarters

HQ city

Muskego

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination Fees: Revenue generated from origination fees charged on mortgage loans. The company originates, approves, and funds its own loans as a direct lender, selling directly into the secondary mortgage market (Fannie Mae, Freddie Mac).
2. Interest Rate Spread: Net interest income earned on mortgages held or serviced, capturing the spread between origination rates and secondary market rates.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

A+ Mortgage Services is a direct residential mortgage lender that originates, processes, underwrites, and funds home purchase and refinance loans in-house. The company offers Conventional (Fixed, Adjustable, Jumbo), FHA, VA, and USDA mortgage programs for individual homebuyers and refinancers across Wisconsin and Florida, then sells originated loans into the Fannie Mae and Freddie Mac secondary market. The lending operation is supported by online application intake, mortgage calculators, and educational resources for borrowers.

Product overview

A+ Mortgage Services is a direct mortgage lender offering a comprehensive suite of mortgage products and lending teams. The company provides conventional loan programs (Fixed, Adjustable, and Jumbo mortgages) and government-insured loans (FHA, USDA, VA) through multiple lending teams including The Centurion Group, A+ Selensky Mortgage Experts Team, and the Premier Lending Team. Additional offerings include mortgage calculators and educational resources. The company operates as an independent, correspondent lender with in-house processing, approval, and funding capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Mortgage Loans Traditional mortgage loans not guaranteed by the federal government, following Fannie Mae and Freddie Mac guidelines. Offered with fixed-rate, adjustable-rate, and jumbo options for homebuyers and refinancers in Wisconsin and Florida.
• FHA Loans Federal Housing Administration insured loans requiring as little as a 3.5% down payment, where 100% of the down payment can be a gift. Targeted at first-time and lower-down-payment homebuyers qualifying under FHA guidelines.
• VA Loans U.S. Department of Veterans Affairs insured loans for eligible active military, Reservists, and veterans requiring no down payment, with a 2.15% funding fee for first-time buyers using the program (waivable in cases of service-related disability).
• USDA Loans USDA Rural Development insured loans allowing eligible buyers meeting income criteria to purchase qualifying rural properties with no down payment required, subject to funding fee and monthly mortgage insurance.
• Jumbo Mortgage Loans Large mortgage loans exceeding the $766,550 conforming loan limit with different qualifying criteria than standard conventional loans, typically requiring higher down payments and established credit scores. Targeted at high net worth and high-value-property borrowers.
• Online Mortgage Application Self-serve web-based loan application portal allowing prospective borrowers across Wisconsin and Florida to submit mortgage applications directly to A+ Mortgage without an in-person meeting. Designed to feed A+ Mortgage's direct-lending underwriting and processing pipeline.
• The Centurion Group Lending Team In-house mortgage advisory team within A+ Mortgage serving the Milwaukee area with over 30 years of experience, offering access to a wide range of loan products, in-house underwriting, and wealth management connections for high net worth and complex mortgage scenarios.
• A+ Selensky Mortgage Experts Team In-house mortgage advisory team within A+ Mortgage focused on personalized home buying experiences, available evenings and weekends to accommodate borrower schedules.
• Premier Lending Team In-house mortgage advisory team within A+ Mortgage led by Senior Loan Officers Susan Wilcox and Crystal Zurn, serving clients purchasing homes in Wisconsin and Florida.
• Mortgage Refinancing Services Refinance mortgage services allowing existing homeowners in Wisconsin and Florida to replace current loans with new conventional, FHA, VA, USDA, or jumbo loan products, leveraging A+ Mortgage's in-house processing, underwriting, and funding to avoid third-party delays.

Named customers5 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

Partnerships

Nine partnerships are on record, tiered core and minor.

• Fannie MaecoreTechnology or IntegrationA+ Mortgage sells loans directly to Fannie Mae in the secondary mortgage market, enabling competitive rates and efficient loan processing for conforming conventional loans.
• Freddie MaccoreTechnology or IntegrationDirect correspondent lender relationship allowing A+ Mortgage to sell loans directly to Freddie Mac, providing access to competitive secondary market pricing.
• Federal Housing Administration (FHA)coreTechnology or IntegrationFully authorized to originate and approve FHA loans. FHA insures loans meeting specific guidelines, allowing A+ to offer lower down payment options (3.5%) to qualified borrowers.
• U.S. Department of Veterans Affairs (VA)coreTechnology or IntegrationFully authorized to originate and approve VA loans for eligible veterans and service members. VA loan program offers no down payment required for qualified borrowers.
• USDA Rural DevelopmentcoreTechnology or IntegrationAuthorized to originate USDA loans for rural property purchases. Government-insured program assists buyers meeting income criteria in purchasing rural properties with no down payment.
• Greater Milwaukee Association of Realtors (GMAR)coreGTM or Marketing PartnerA+ Mortgage sponsors GMAR and offers partnered realtors exclusive benefits including 'Ask the Underwriter' access, direct lender advantages, accessibility, and condo evaluation services.
• Mortgage Bankers Association (MBA)minorOthersIndustry association membership indicating professional standing in the mortgage banking industry.
• National Association of Mortgage Brokers (NAMB)minorOthersIndustry association membership demonstrating commitment to professional standards in mortgage brokerage/lending.
• The Centurion GroupcoreStrategic or Co-development PartnerCenturion Group has served Milwaukee area for over 30 years and joined A+ Mortgage as a leading independent, correspondent lender team. Provides access to wide range of loan products, wealth management connections, and experienced loan officers including Brian DesPlaines, Jeff Heil, and Julius Davis.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Waterstone Mortgage: Wisconsin-headquartered independent mortgage bank offering conventional, FHA, VA, USDA, and jumbo loans through a direct-lending model. Closely comparable in size, regional Midwestern footprint, in-house processing/underwriting, and emphasis on local realtor relationships.
• Fairway Independent Mortgage Corporation: Mid-size direct mortgage lender with branch-based origination across the Midwest and nationwide. Comparable in offering a wide product menu (Conventional, FHA, VA, USDA, Jumbo), selling into the agency secondary market, and emphasizing personal loan officer relationships.
• Cornerstone Home Lending: Independent retail mortgage banker with regional branches and in-house processing/underwriting, offering similar agency and government loan products. Comparable in scale, retail-direct model, and realtor-driven referral motion.
• PrimeLending: National retail mortgage lender with a network of branch offices selling into the agency secondary market. Comparable product suite (Conventional, FHA, VA, USDA, Jumbo) and emphasis on local branch production through commissioned loan officers.
• Guild Mortgage: Mid-large independent retail mortgage lender with branch-based origination, in-house underwriting, and correspondent sales to agencies. Overlaps with A+ Mortgage on direct-lender model, government loan programs, and community/realtor partnerships.

Broad incumbents

• Caliber Home Loans: Large nonbank mortgage originator and servicer with a broad retail and correspondent channel. Larger scale and broader product set, but overlaps directly with A+ Mortgage on retail origination, agency-conforming products, and government loan programs.
• Guaranteed Rate: Large national retail mortgage lender with digital capabilities and brick-and-mortar branches. Competes for the same homebuyers and realtors in Wisconsin markets with similar product mix and pricing positioning.
• loanDepot: Large diversified nonbank lender with retail, wholesale, and direct-to-consumer channels offering the same agency and government loan products. Comparable business model at much larger scale and broader geographic footprint.
• Rocket Mortgage: Largest U.S. retail mortgage originator and the dominant direct-to-consumer digital lender. Competes head-to-head with regional lenders for the same agency-conforming purchase and refinance flow.
• UWMC (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender; indirectly competitive via the broker channel but sets the secondary-market pricing benchmark that all direct lenders, including A+ Mortgage, must compete against.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/A-Mortgage-Services-Inc-NMLS-259353-143328292416334
• Instagraminstagram.com/centurion_group_of_a_plus_mtg
• LinkedInlinkedin.com/company/a-mortgage-services-inc.

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 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 A+ Mortgage Services