ACS Mortgage
ACS Mortgage Corporation is a private Illinois-based residential mortgage brokerage (NMLS 593766) licensed in Illinois and Florida, originating purchase, refinance, investment-property, and reverse mortgages through a five-person team for individual homebuyers, real estate investors, and Chicago-area first responders.
- Company typePrivate
- Founded2013
- HeadquartersRoselle, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What ACS Mortgage does
ACS Mortgage Corporation is a privately held, Illinois-based residential mortgage brokerage founded around 2013 and operating under NMLS ID 593766. The company originates and brokers home-purchase, refinance, investment-property, and home-equity debt-management loans through a five-person team led by President and Broker Owner Charlotte Roehrig. It is licensed in Illinois (MB.6760836) and Florida (MBR1191) and serves individual homebuyers, real estate investors, and a specialized first-responder segment composed of Chicago Fire Department and Chicago Police Department employees, with that niche served by originator Richard O'Connell.
The core product set spans the full retail mortgage menu: Fixed-Rate, Adjustable-Rate, FHA, VA, USDA, Conventional, Jumbo, and Reverse mortgages, complemented by a website-hosted mortgage calculator. Technology is described as standard mortgage industry software for origination, processing, and financial calculations, with the Blink Mortgage platform used for online application intake. There are no proprietary models, no disclosed AI/ML components, no APIs or SDKs, and no enterprise integrations beyond the Blink application workflow and association memberships (Greater Midwest Lenders Association, BACC).
The revenue model is transaction-based: the firm earns loan origination fees, broker commissions, and processing fees per closed loan, with pricing quoted individually rather than published. Go-to-market is direct-to-consumer and relationship-led, relying on phone (630-202-5310), email, in-person consultations at the Roselle headquarters, the company website, and the Blink online application. Marketing channels are limited to the company website, direct outreach, and the Blink referral pathway, with no paid acquisition, content, or PR programs disclosed.
ACS Mortgage firmographics
Firmographics- Name
- ACS Mortgage
- Legal name
- ACS Mortgage Corporation
- Website
- https://acsmortgage.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ACS Mortgage Corporation is a private Illinois-based residential mortgage brokerage (NMLS 593766) licensed in Illinois and Florida, originating purchase, refinance, investment-property, and reverse mortgages through a five-person team for individual homebuyers, real estate investors, and Chicago-area first responders.
- Ownership category
- akta.pro rank
ACS Mortgage industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industry
- Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC)
Keywords
Where ACS Mortgage is headquartered
LocationHeadquarters
- HQ city
- Roselle
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ACS Mortgage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Mortgage Loan Origination: ACS Mortgage earns revenue through loan origination fees, interest rate spreads, and processing fees charged to borrowers for originating residential mortgage loans including purchases, refinances, and investment properties.
- Broker Services: As a licensed mortgage broker (NMLS ID: 593766), the company facilitates loans between borrowers and lenders, earning commissions and fees for matching borrowers with appropriate loan products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based mortgage financing |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
ACS Mortgage product offering
Product offeringCore offering
ACS Mortgage Corporation is a licensed mortgage brokerage (NMLS ID: 593766) that originates and arranges residential mortgage loans for individual consumers in Illinois and Florida. The company offers eight loan product types — Fixed-Rate, Adjustable-Rate, FHA, VA, USDA, Conventional, Jumbo, and Reverse Mortgages — and provides purchase financing, refinancing, investment property financing, and debt management services. Revenue is generated through loan origination fees, processing fees, and broker commissions earned by matching borrowers with lender products.
Product overview
ACS Mortgage Corporation offers a comprehensive mortgage financing platform providing multiple loan products and services. The core offerings include eight distinct mortgage types: Fixed-Rate Mortgages, Adjustable-Rate Mortgages, FHA Loans, VA Loans, USDA Loans, Conventional Loans, Jumbo Loans, and Reverse Mortgages. These are complemented by four service offerings: Home Purchasing Services, Refinancing Services, Investment Property Financing, and Debt Management Solutions. The company also provides a Mortgage Calculator tool for financial planning. ACS Mortgage operates as a traditional mortgage broker serving Illinois and Florida markets.
Differentiator
Problem solved
Functional benefit
Products and services
- Fixed-Rate Mortgage (FRM)
- Adjustable-Rate Mortgage (ARM)
- FHA Loans
- VA Loans
- USDA Loans
- Conventional Loans
- Jumbo Loans
- Reverse Mortgages
- Home Purchasing Services
- Refinancing Services
- Investment Property Financing
- Debt Management Solutions
Companies that use ACS Mortgage
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
ACS Mortgage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
ACS Mortgage partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor.
- Greater Midwest Lenders AssociationminorSteven Egan, Sr. Mortgage Loan Originator at ACS Mortgage, is a member of Greater Midwest Lenders Association, an industry organization for mortgage lenders in the Midwest region.
- BACCminorSteven Egan is also a member of BACC (likely a local business or chamber organization), expanding professional network and referral opportunities in the mortgage industry.
Scale indicators3 records
Recent moves4 records
Expansion highlights3 records
ACS Mortgage competitors and assessment
Company assessmentDirect peers
- PRMG (Paramount Residential Mortgage Group): PRMG is one of the largest independent retail mortgage lenders in the US, originating Conventional, FHA, VA, USDA, Jumbo, and non-QM products through a nationwide branch network. It is a close comparable to ACS Mortgage as a multi-product retail broker serving individual homebuyers, with similar licensing-driven geographic expansion strategy.
- LendingTree: LendingTree operates a marketplace that connects borrowers with multiple mortgage lenders, aggregating loan offers across product types (purchase, refinance, FHA, VA, etc.). It overlaps with ACS Mortgage on lead-generation dynamics and borrower acquisition, though LendingTree operates a digital marketplace rather than a direct broker relationship model.
- Caliber Home Loans: Caliber Home Loans is a national retail and wholesale mortgage originator offering a full suite of residential products including Conventional, FHA, VA, Jumbo, and non-QM loans. It is comparable to ACS Mortgage in product breadth and customer base, operating in similar geographic markets with a retail-broker distribution model.
- NewRez (Newcastle Investment Holdings): NewRez is a national mortgage originator and servicer offering Conventional, FHA, VA, USDA, and Jumbo products through retail, wholesale, and correspondent channels. It is comparable to ACS Mortgage as a multi-channel retail broker with a similar product suite and borrower segments, though operating at significantly larger scale.
Emerging players
- Better.com: Better.com is a digital-first mortgage lender offering purchase and refinance loans through a fully online application and approval process. It competes with ACS Mortgage for the same individual homebuyer and refinancer segments but differentiates via end-to-end digital UX rather than the relationship-driven broker model.
Broad incumbents
- Rocket Mortgage: Rocket Mortgage is the largest retail mortgage lender in the United States, originating FHA, VA, Conventional, Jumbo, and refinance loans through both online and direct channels. It is comparable to ACS Mortgage as a direct overlap in product offerings (full mortgage menu including reverse mortgages) and customer segments (individual homebuyers and refinancers), though at vastly greater scale and digital maturity.
- Guaranteed Rate: Guaranteed Rate is a large retail mortgage lender with a national branch network and digital origination platform (Rocket Pro TPO). It is comparable to ACS Mortgage in offering the full suite of residential mortgage products and serving similar consumer segments, but with substantially broader geographic reach and originator headcount.
- PennyMac Financial Services: PennyMac is a large mortgage originator and servicer offering Conventional, FHA, VA, and Jumbo products through retail, wholesale, and correspondent channels. It is comparable to ACS Mortgage on product breadth and retail-origination orientation, though PennyMac operates at substantially larger scale and also services the loans it originates.
- loanDepot: loanDepot is a major retail and wholesale mortgage originator offering Conventional, FHA, VA, USDA, Jumbo, and refinance products to consumers and loan officers. It overlaps with ACS Mortgage on core residential loan products and target borrower segments (first-time buyers, refinancers, investors), while operating at a much larger national scale.
- United Wholesale Mortgage: United Wholesale Mortgage (UWM) is the largest wholesale mortgage lender in the US, partnering with independent mortgage brokers like ACS Mortgage to fund loans. It is a critical upstream counterparty in ACS's broker business model — ACS originates loans funded by UWM and similar wholesale partners.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
ACS Mortgage social profiles
Digital presenceACS Mortgage financial estimates
Financial estimateRevenue estimate
Valuation estimate
ACS Mortgage leadership team
Management profileNumber of profiles
Profiles5 records
ACS Mortgage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ACS Mortgage M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ACS Mortgage
What does ACS Mortgage do?
ACS Mortgage Corporation is a licensed mortgage brokerage (NMLS ID: 593766) that originates and arranges residential mortgage loans for individual consumers in Illinois and Florida. The company offers eight loan product types — Fixed-Rate, Adjustable-Rate, FHA, VA, USDA, Conventional, Jumbo, and Reverse Mortgages — and provides purchase financing, refinancing, investment property financing, and debt management services. Revenue is generated through loan origination fees, processing fees, and broker commissions earned by matching borrowers with lender products.
Is ACS Mortgage a public or private company?
ACS Mortgage is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was ACS Mortgage founded?
ACS Mortgage was founded in 2013. It employs 11 to 50 people.
Where is ACS Mortgage based?
ACS Mortgage is headquartered in Roselle, United States, in the North America region.
How does ACS Mortgage make money?
Two revenue lines are on record. Mortgage Loan Origination is the primary driver. The others are broker Services.
Who are ACS Mortgage's main competitors?
Direct peers on record are PRMG (Paramount Residential Mortgage Group), LendingTree, Caliber Home Loans and NewRez (Newcastle Investment Holdings). Better.com is listed as an emerging player. Broad incumbents are Rocket Mortgage, Guaranteed Rate, PennyMac Financial Services, loanDepot and United Wholesale Mortgage.
Does ACS Mortgage have an API?
No public API is recorded for ACS Mortgage.
What industry is ACS Mortgage in?
ACS Mortgage's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSAEAEAC, Mortgage Refinance & Rate/Term Intermediation. Its NAICS code is 522310 and its SIC code is 6163.