What Major Mortgage does

Major Mortgage is a privately held, Colorado-headquartered residential mortgage lender (NMLS ID 35960) operating since 2005 from Grand Junction, CO, with offices and loan officers distributed across 20+ U.S. states including CO, ND, NM, AZ, TX, UT, CA, MT, OK, IA, AR, FL, KS, MI, MN, NE, OH, VA, WI, and WY. The company originates purchase mortgages and refinances through a direct-to-consumer model, distributing 10 loan products — Conventional, FHA, VA, USDA, Jumbo, ARM, Fixed-Rate, Home Equity, Refinance, and Down Payment Assistance — supported by an online pre-qualification questionnaire, dedicated loan product calculators (FHA, VA, USDA, Conventional), and downloadable homebuyer guides.

The operating model is a distributed retail origination platform: approximately 18-19 loan officers, each individually licensed across multiple states, accept applications by phone, online, or in person, and route pre-qualifications through Floify-powered application links. The Division President (Ryar Hayward) and Sales Manager (Megan Luksha, licensed in 21 states) lead a tiered structure of Producing Branch Managers and individual Loan Officers. The company's self-described technology stack centers on workflow tooling — "class-leading loan processing technology" and a streamlined online pre-qualification flow — rather than proprietary AI/ML or data assets; there are no patents, no disclosed integrations, and no app or API.

Revenue is generated transactionally through mortgage loan origination, capturing origination fees at closing and interest rate spreads on funded loans. Customer segmentation is horizontal and consumer-only: home buyers (primary, secondary, investment), refinance candidates (rate-and-term, cash-out, streamline), veterans/military (VA), and rural/suburban buyers (USDA). Pricing is not publicly disclosed and is set during pre-qualification based on borrower credit, loan type, down payment, and market conditions. The company has no disclosed external funding, no parent company, and no M&A activity in the available record.

Name

Major Mortgage

Legal name

Major Mortgage

Website

https://majormortgage.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Major Mortgage is a privately held, Grand Junction, Colorado-based residential mortgage lender (founded 2005) originating Conventional, FHA, VA, USDA, Jumbo, ARM, and refinance loans through approximately 18 loan officers licensed across 20+ U.S. states via a direct-to-consumer model.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

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

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Mortgage Pre-Approval / Prequalification & Lead-to-Loan Retail Origination (FSALAAAN), Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Residential mortgage lending
• Home refinance loans
• FHA mortgage loans
• VA home loans
• Jumbo mortgage financing

Headquarters

HQ city

Grand Junction

HQ country

United States

HQ region

North America

Offices5 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: Revenue is generated through mortgage loan origination, including origination fees charged to borrowers at closing and interest rate spreads on funded loans. The company offers a comprehensive suite of mortgage products including purchase mortgages and refinances.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Major Mortgage is a direct-to-consumer residential mortgage lender that originates home purchase loans and refinances through a network of licensed loan officers across multiple U.S. states. The company offers a comprehensive suite of loan products including Conventional, FHA, VA, USDA, Jumbo, Adjustable Rate (ARM), and Fixed Rate mortgages, plus refinance, home equity, and down payment assistance programs. Loan officers use class-leading processing technology and a streamlined 17-step online pre-qualification system to accelerate loan applications and closings.

Product overview

Major Mortgage is a mortgage lending company offering a comprehensive portfolio of residential loan products. The core offering consists of 10 distinct loan types including conventional mortgages, FHA loans, VA loans, USDA loans, jumbo mortgages, adjustable rate mortgages, fixed rate mortgages, home equity products, refinance options, and down payment assistance programs. Supporting these loan products are financial calculator tools (FHA, VA, USDA, and Conventional calculators) for payment estimation, an online pre-qualification application for digital intake, and homebuyer educational resources. The company operates through a network of loan officers across multiple states.

Differentiator

Problem solved

Functional benefit

Products and services

• Adjustable Rate Mortgage (ARM) Loans Adjustable rate mortgage products with interest rates that may change over time, offering initial lower rates compared to fixed-rate options for residential borrowers.
• Conventional Mortgage Loans Standard mortgage loans conforming to Fannie Mae and Freddie Mac guidelines, available for various property types and borrower profiles.
• Down Payment Assistance Programs designed to help borrowers with down payment costs, making homeownership more accessible for first-time and repeat buyers.
• Fixed Rate Mortgage Mortgage products with locked interest rates that remain constant throughout the loan term, providing payment predictability for borrowers.
• FHA Mortgage Loans Government-backed mortgages insured by the Federal Housing Administration, featuring lower down payment requirements and more flexible credit qualification standards.
• Home Equity Loans Loans allowing homeowners to borrow against the equity in their existing property, suitable for renovations, debt consolidation, or major expenses.
• JUMBO Mortgage Loans Mortgages exceeding conventional loan limits for high-value properties, requiring different qualification criteria than standard loans.
• Mortgage Refinance Loans Refinancing options allowing homeowners to replace existing mortgages with new loans, potentially lowering interest rates or changing loan terms.
• USDA Mortgage Loans Rural development loans backed by the USDA, offering 100% financing for eligible properties in qualifying rural and suburban areas.
• VA Mortgage Loans Home loans guaranteed by the U.S. Department of Veterans Affairs, available to veterans, active-duty service members, and eligible survivors with favorable terms including no down payment options.
• Online Pre-Qualification Application Multi-step digital questionnaire capturing loan type, credit profile, property details, employment status, and loan officer selection to initiate the mortgage pre-qualification process.

Quantifiable outcome

• Customers report closing on homes two weeks sooner than anticipated due to attention to detail

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Homebridge Financial Services: Independent mortgage lender offering retail and wholesale origination across multiple states with comparable product mix and loan officer distribution, similar in scale to Major Mortgage.
• PrimeLending: Multi-state retail mortgage lender offering home purchase and refinance products through a network of loan officers, directly comparable to Major Mortgage's origination model and product breadth.
• Guild Mortgage: Mid-size retail mortgage lender operating through a network of branch offices and loan officers across multiple states, offering conventional, FHA, VA, USDA, and Jumbo products — directly comparable to Major Mortgage's multi-state loan officer model.
• Fairway Independent Mortgage: Independent retail mortgage company with branch offices and loan officers in dozens of states, offering a comparable product suite including Conventional, FHA, VA, USDA, and refinancing — closely mirrors Major Mortgage's independent multi-state brokerage model.
• Movement Mortgage: Retail-focused mortgage lender with a distributed loan officer model and broad multi-state licensing, comparable in scale and operational approach to Major Mortgage.

Broad incumbents

• Caliber Home Loans: Multi-channel residential mortgage lender offering retail, wholesale, and correspondent channels with comparable product breadth to Major Mortgage, though at materially larger scale.
• loanDepot: Large national mortgage originator offering retail, wholesale, and direct-to-consumer channels including the Mello digital platform — competes in the same product space as Major Mortgage but at significantly larger scale.
• Rocket Mortgage: Largest U.S. retail mortgage lender with heavy digital marketing, technology investment, and brand presence — competes head-to-head with Major Mortgage for purchase and refinance borrowers, but at vastly greater scale.
• NewRez (formerly New Penn Financial): National mortgage lender with retail and wholesale origination across multiple states, offering comparable Conventional, FHA, VA, and Jumbo products to Major Mortgage but with broader geographic footprint.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender; while primarily wholesale, it influences the entire independent mortgage broker/lender ecosystem including Major Mortgage via the broker channel.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/majormortgage1
• Facebookfacebook.com/majormortgagepage
• LinkedInlinkedin.com/company/905453

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 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 Major Mortgage