3rd Street Financial

What 3rd Street Financial does

3rd Street Financial is a privately held, founder-owned residential mortgage brokerage founded in 2004 and headquartered in West Chester, Ohio. The company originates and arranges mortgage loans through four licensed loan officers serving residential homebuyers and homeowners across seven U.S. states (Florida, Indiana, Kentucky, Ohio, North Carolina, South Carolina, and Texas). It offers a portfolio of eight loan products spanning Conventional, FHA, VA, USDA, Jumbo, Adjustable Rate Mortgage (ARM), Home Equity Line of Credit (HELOC), and Non-Traditional loans for both purchase and refinance transactions. Supporting the origination team are a Director of Operations, loan coordinators, and loan processors handling documentation and closing workflows.

The firm operates a sales-driven distribution model that combines field-based loan officers with digital self-service channels built on the 1003app application platform. Loan officers maintain individual application portals, and customers can initiate mortgage applications online or schedule consultations via appointment-booking tools. Marketing relies on the company website, Google Business reviews, and direct referral relationships rather than paid advertising or institutional partnerships. Regulatory credentials include NMLS 304138, Ohio Mortgage Broker license MB 803343, and Equal Housing Lender certification.

Revenue is generated entirely through one-time transaction fees collected at loan closing for each completed purchase or refinance transaction. There are no disclosed institutional investors, parent company, subsidiaries, funding rounds, acquisitions, or strategic partnerships in the available data. The ownership structure is simple and founder-controlled, consistent with a typical small privately-held mortgage brokerage, and the firm shows no disclosed AI/ML capabilities or proprietary technology differentiation beyond standard industry tooling.

Name

3rd Street Financial

Legal name

3rd Street Financial Corporation

Website

https://3rdstreetfinancial.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

3rd Street Financial is a privately held, founder-owned residential mortgage brokerage founded in 2004 in West Chester, Ohio, offering Conventional, FHA, VA, USDA, Jumbo, ARM, HELOC, and Non-Traditional loans across seven U.S. states to homebuyers and homeowners.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage Lead Generation & Marketing Intermediaries (FSALABAI)

Keywords

• Mortgage brokerage
• Residential lending
• Home equity loans
• Mortgage refinancing
• Loan origination

Headquarters

HQ city

West Chester

HQ country

United States

HQ region

North America

Offices1 record

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: One-time fees collected at loan closing for originating and funding mortgage loans. Revenue is earned on each completed purchase or refinance transaction.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

3rd Street Financial is a mortgage brokerage that originates and arranges residential mortgage loans for purchase and refinance transactions. The firm offers eight distinct loan products — Conventional, FHA, VA, USDA, HELOC, Adjustable Rate Mortgage (ARM), Jumbo, and Non-Traditional — delivered by licensed loan officers who customize solutions based on individual borrower profiles. Services are provided across seven U.S. states through direct officer relationships and digital application channels.

Product overview

3rd Street Financial is a mortgage broker offering a portfolio of eight distinct loan products for purchase and refinance transactions. The core offerings include Conventional Loans, FHA Loans, VA Loans, USDA Loans, and Jumbo Loans for primary mortgage needs, supplemented by Adjustable Rate Mortgages (ARMs) for rate-sensitive borrowers and Home Equity Lines of Credit (HELOC) for existing homeowners seeking liquidity. The company also provides Non-Traditional Loan options for borrowers outside conventional lending parameters. All products are delivered through licensed loan officers who customize solutions based on individual borrower profiles.

Differentiator

Problem solved

Functional benefit

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Ruoff Mortgage: Ruoff Mortgage is an Indiana-based regional mortgage lender serving the Midwest and surrounding states, offering conventional, FHA, VA, USDA, and HELOC products through retail branches and loan officers. It is one of the closest direct peers to 3rd Street Financial given similar regional Midwestern orientation, comparable employee scale, and overlapping product suite focused on residential purchase and refinance.
• Cardinal Financial Company: Cardinal Financial is a mid-sized regional mortgage lender offering conventional, FHA, VA, USDA, and HELOC products through retail branches across multiple U.S. states. It is comparable to 3rd Street Financial in company scale, regional multi-state operating model, and product breadth targeting residential purchase and refinance borrowers.
• Embrace Home Loans: Embrace Home Loans is a mid-sized regional mortgage lender offering conventional, FHA, VA, USDA, and HELOC products across the Mid-Atlantic and broader U.S. markets. It shares with 3rd Street Financial a similar multi-state regional mortgage brokerage model, comparable employee scale, and emphasis on personalized loan officer-driven origination.

Broad incumbents

• United Wholesale Mortgage (UWM): UWM is the largest U.S. wholesale mortgage lender, partnering with independent mortgage brokers to originate purchase and refinance loans. It is comparable to 3rd Street Financial because both operate within the U.S. residential mortgage brokerage ecosystem, though UWM serves as a wholesale funding partner to brokers like 3rd Street rather than competing directly for borrowers.
• Movement Mortgage: Movement Mortgage is a large retail mortgage lender with operations across most U.S. states, offering a similar product suite to 3rd Street Financial including conventional, FHA, VA, and HELOC products. It is comparable in product offering and customer base but operates at substantially larger scale with proprietary technology investments.
• Guaranteed Rate: Guaranteed Rate is a national retail mortgage lender offering conventional, FHA, VA, USDA, and HELOC products across most U.S. states. It competes with 3rd Street Financial for the same residential purchase and refinance borrowers, but operates at far greater scale with proprietary digital tools and a national branch network.
• Paramount Residential Mortgage Group (PRMG): PRMG is a national retail and wholesale mortgage lender offering conventional, government, and non-QM products across all 50 states. It serves the same residential borrower segments as 3rd Street Financial but with significantly greater scale, broader geographic reach, and a more developed loan officer recruitment platform.
• Rocket Mortgage: Rocket Mortgage is the largest U.S. mortgage lender, offering conventional, FHA, VA, and other loan products directly to consumers via a technology-driven platform. It is comparable to 3rd Street Financial as it sells overlapping residential mortgage products to U.S. homebuyers and homeowners, but operates at vastly greater scale with proprietary technology and national reach.
• NewRez (Newcastle Investment Trust / Rithm Capital subsidiary): NewRez is a top-15 U.S. mortgage lender and servicer offering conventional, government, and non-QM products through retail, wholesale, and correspondent channels. It is comparable to 3rd Street Financial in product breadth and residential focus, but operates at much greater scale with national origination and servicing capabilities.
• loanDepot: loanDepot is a major national mortgage lender and broker offering conventional, government, and HELOC products through retail and direct channels. It overlaps with 3rd Street Financial in the same product categories and target borrower segments, but operates at significantly larger scale with a national footprint and proprietary technology platform.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/3rd-street-financial-corp

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 3rd Street Financial