Mortgage Connection

What Mortgage Connection does

Mortgage Connection, operating as a dba of DCY Mortgage (a California Corporation; NMLS #321656; CA BRE #01272612), is a privately held California mortgage broker founded in 1998 and headquartered at 1435 Huntington Ave, Suite 102, South San Francisco. The company originates residential and select commercial mortgage loans for California consumers and small investors, offering a broad product suite that includes conventional purchase and refinance loans, FHA, VA, USDA, jumbo, reverse mortgages, HARP 2.0, stated income, investment property, multi-family, commercial mixed-use, and SBA financing. Since founding, it has completed over 10,000 loans and maintains 5-star ratings on Facebook, Google, and Yelp.

The company's technology stack is centered on a LenderHomePage.com-powered digital platform that provides an online loan application, a "Today's Rates" page, mortgage calculators, an LQB consumer portal, and an LQB Loan Officer View for internal pipeline management. The website also hosts mortgage basics educational content and a blog to drive organic search acquisition. The platform is presented as a turnkey SaaS rather than proprietary technology, with website accessibility supported by the UserWay WCAG 2.1 widget.

Mortgage Connection generates revenue primarily through transaction fees: mortgage origination fees on closed loans and interest rate spread between borrower rates and investor/portfolio pricing. Its go-to-market is direct-to-consumer, combining digital acquisition (SEO content, website application), phone-based consultation, a physical South San Francisco office, and a real estate agent referral channel. Customer segments span first-time home buyers, refinance candidates, investment property buyers, multi-family and commercial buyers, and seniors seeking reverse mortgages, with primary emphasis on first-time buyers and refinance customers. The firm has 11–50 employees and no disclosed external funding or institutional ownership.

Name

Mortgage Connection

Legal name

DCY Mortgage

Website

https://mortgageconnection.net

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Mortgage Connection (dba of DCY Mortgage) is a privately held California mortgage broker founded in 1998 in South San Francisco, offering purchase, refinance, FHA, VA, USDA, jumbo, reverse, and commercial loan products to individual consumers and small investors across California.

Ownership category

akta.pro rank

Product category

Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA), Commercial Mortgage Brokerage (FSAEAEAB), Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC)

Keywords

• Mortgage brokerage
• Home loan origination
• Residential lending
• Refinance services
• Commercial mortgage lending

Headquarters

HQ city

South San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination Fees: The company earns revenue through origination fees charged on completed mortgage loans. As a mortgage broker/lender, they facilitate loans between borrowers and investors/lenders and earn fees for the service.
2. Interest Rate Spread: Revenue generated from the spread between the interest rate offered to borrowers and the rate at which the loan is sold to investors or held in portfolio.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Mortgage Connection is a California-based mortgage broker and lender that originates residential and commercial mortgage loans for individual consumers across California. The company facilitates purchase loans, refinances, cash-out refinances, FHA, VA, USDA, jumbo, reverse, investment property, multi-family, commercial/mixed-use, HARP 2.0, SBA, and various amortization-style loans (fixed, ARM, balloon, graduated-payment, interest-only, stated-income), earning origination fees and interest-rate spread on closed transactions.

Product overview

Mortgage Connection is a California-based mortgage lending company offering a comprehensive suite of loan products and services. The company operates primarily through their LenderHomePage.com-powered digital platform and offers a broad portfolio of mortgage solutions including purchase loans, refinance options (rate-term and cash-out), government-backed programs (FHA, VA, USDA), jumbo loans, investment property financing, and specialized products like reverse mortgages and HARP 2.0 refinancing. Their loan offerings span both residential and commercial properties, including multi-family and mixed-use properties. The company also provides supporting tools including mortgage calculators and consumer/loan officer portals for managing applications. The product portfolio is organized around core lending products supplemented by digital tools for loan management and calculation.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Pre-approval can be obtained in less than 24 hours
• +1 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves3 records

Expansion highlights2 records

Direct peers

• RPM Mortgage: California-headquartered retail mortgage lender/broker offering purchase, refinance, and a wide range of government and jumbo products across multiple Western states, with a similar hybrid online-plus-local branch model and comparable product breadth.
• Paramount Equity: California-based residential mortgage lender with a similar California-centric footprint, multi-channel origination (online + branch), and broad product menu including conventional, FHA, VA, and reverse mortgages.

Broad incumbents

• Caliber Home Loans: National mortgage lender and servicer with a retail origination platform active in California; competes across the same purchase, refinance, and government-loan product categories.
• Rocket Mortgage: Nation's largest retail mortgage lender and a direct-to-consumer brand that competes with Mortgage Connection for California homebuyers and refinancers, with substantially greater marketing spend and proprietary technology.
• loanDepot: Large national retail and wholesale mortgage lender operating the LDWholesale broker channel; competes head-on with Mortgage Connection in the California retail purchase and refinance market while also serving the broader broker channel Mortgage Connection uses.
• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender and the dominant player in the broker channel that brokers like Mortgage Connection rely on for loan funding; its scale, technology, and broker incentives directly shape Mortgage Connection's competitive environment.
• Movement Mortgage: Large retail and wholesale mortgage lender with significant California presence, competing in the same retail purchase/refinance categories with similar hybrid online-plus-branch distribution.
• Guaranteed Rate: Large national retail mortgage lender with digital and physical retail channels competing for California purchase and refinance volume; offers a comparable product suite including FHA, VA, jumbo, and conventional loans.

Regional players

• Homebridge Financial Services: Wholesale and retail mortgage lender active in California with a broker channel that mortgage brokers like Mortgage Connection can use for funding; relevant as both a partner and a competitor for retail production.

Emerging players

• Better.com: Digital-first mortgage lender competing for the same direct-to-consumer California borrower with a fully online, fintech-style experience that pressures traditional local-broker value propositions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/mortgageconnectionssf
• LinkedInlinkedin.com/company/mortgage-connection

Revenue estimate

Valuation estimate

Number of profiles

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 Mortgage Connection