Bluerock Mortgage

Name

Bluerock Mortgage

Legal name

Bluerock Mortgage, LLC

Website

https://bluerockmortgage.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSALAAAB

Consumer Direct / Online Mortgage Origination

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

SECONDARYFSALAAAD

Purchase Mortgage Origination (Homebuyer Focused)

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

Keywords

• Home loan lending
• Mortgage origination
• Refinance services
• Residential mortgage broker
• Government-backed mortgages

Headquarters

HQ city

Morganville

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

Revenue model

1. Mortgage Origination: Revenue generated from originating home purchase mortgages and refinancing loans. Includes origination fees, interest income, and closing costs charged to borrowers.
2. Closing Costs and Fees: Fees collected at closing including origination fees (typically 1% of loan amount), appraisal fees, credit report fees, title insurance, and other processing charges.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Bluerock Mortgage originates residential home purchase mortgages and refinance loans for individual consumers, supported by a suite of loan programs (Fixed Rate, ARM, FHA, VA, USDA, Conventional, Jumbo, Interest-Only, Graduated Payment). Borrowers engage through a digital application (approximately 12 minutes), pre-qualification services, and personalized guidance from local loan officers from pre-qualification through closing.

Product overview

Bluerock Mortgage is a mortgage lending company offering a comprehensive suite of home financing products and services. Their core offerings include Home Purchase Loans and Home Refinance Loans, supported by a diverse portfolio of loan programs including Fixed Rate Mortgages, Adjustable Rate Mortgages (ARM), FHA Loans, VA Loans, USDA Loans, Conventional Loans, Jumbo Loans, Interest Only Mortgages, and Graduated Payment Mortgages. The company provides additional services including mortgage calculators, pre-qualification assessment, and a streamlined online application process. The product portfolio is delivered through loan officers located in local communities, with services accessible via their website and a mobile app (Loanzify).

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchase Loans

Quantifiable outcome

• Application process takes approximately 12 minutes online

Named customers3 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

Integration1 record

Feature1 record

Partnerships

Seven partnerships are on record, tiered core.

• Fannie MaecoreTechnology or IntegrationFannie Mae is a government-sponsored enterprise that purchases mortgages from lenders to free up capital for additional lending. Bluerock Mortgage offers Fannie Mae-backed loan programs to customers.
• Freddie MaccoreTechnology or IntegrationFreddie Mac is a government-sponsored enterprise that purchases mortgages and repackages them into mortgage-backed securities. Bluerock Mortgage offers Freddie Mac-supported loan programs.
• FHA (Federal Housing Administration)coreTechnology or IntegrationFHA offers government-insured loans with more lenient credit qualifying guidelines. Bluerock Mortgage originates FHA loans with down payments as low as 3.5% for qualified borrowers.
• VA (Department of Veterans Affairs)coreTechnology or IntegrationVA offers home loans for veterans and service members with benefits including no down payment required and no private mortgage insurance. Bluerock Mortgage is an approved VA lender.
• USDA (United States Department of Agriculture)coreTechnology or IntegrationUSDA offers zero-down-payment home loans for properties in qualifying rural and suburban areas. Bluerock Mortgage originates USDA loans for eligible borrowers.
• LoanzifycoreTechnology or IntegrationLoanzify is a mobile application platform that Bluerock Mortgage uses to guide customers through the mortgage financing process and connect them with loan officers and realtors.
• NMLS (Nationwide Multistate Licensing System)coreOthersNMLS Consumer Access is the system through which Bluerock Mortgage holds its mortgage lending license (NMLS: 1530587). Required regulatory licensing for mortgage lenders.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Rocket Mortgage: The largest US direct-to-consumer mortgage lender and a flagship brand of Rocket Companies. Offers the full suite of agency, government, and jumbo programs online that Bluerock also offers, but at national scale with proprietary technology and massive marketing spend.
• Caliber Home Loans: National retail and wholesale mortgage lender offering conventional, government, jumbo, and non-QM products. Operates in the same loan-program set as Bluerock and competes for Northeast purchase and refinance demand.
• SoFi: Digital financial services platform offering home purchase and refinance mortgages alongside personal loans, banking, and investing. Competes with Bluerock for digitally native borrowers shopping online for mortgage rate quotes.
• loanDepot: Major national retail and wholesale mortgage lender offering purchase and refinance loans across conventional, government, and jumbo products. Competes with Bluerock across the same product set but with materially larger origination volume and a national footprint.
• United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender, providing broker-channel access to agency and government loan programs. Relevant to Bluerock both as a wholesale funding partner competitor and as the dominant broker-channel incumbent in the US.

Direct peers

• Guaranteed Rate: Retail mortgage lender with a strong Northeast presence offering purchase, refinance, FHA, VA, USDA, and jumbo loans. Direct competitor for Bluerock’s local-LO + digital application model in overlapping geographies.
• Academy Mortgage: Community-focused retail mortgage lender with a local-LO model and full agency, government, and jumbo product set. Highly comparable to Bluerock’s local-loan-officer-driven approach and similar purchase/refinance positioning.
• Cardinal Financial Company: Mid-sized retail and wholesale mortgage lender offering conventional, FHA, VA, USDA, and jumbo programs with a local-LO model. Comparable scale and GTM to Bluerock, competing for similar community-driven purchase and refinance volume.
• Better.com: Digital-first direct-to-consumer mortgage lender with an end-to-end online application and approval flow. Closely comparable to Bluerock’s Loanzify-driven online application experience and similar GTM motion, though at vastly larger scale.
• NewRez: Retail and wholesale mortgage lender (formerly New Penn Financial) with strong Northeast retail presence. Offers the same agency, government, and jumbo programs as Bluerock, making it a direct competitor for borrowers in the NJ/Northeast corridor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/bluerockmortg

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Bluerock Mortgage