OJ Mortgage

What OJ Mortgage does

OJ Mortgage Company Inc. is a privately held retail mortgage brokerage founded in 1994 and headquartered at 917 E Klosterman Rd, Tarpon Springs, Florida (NMLS #342260). The firm originates and arranges residential mortgage loans for individual consumers and homeowners, with a stated focus on first-time homebuyers, refinancing customers, and investment property buyers in the greater Tampa Bay area. Loan products span Conventional (including a no closing cost option), Jumbo, FHA, VA, USDA, new construction interim financing, home improvement loans, equity loans, and HECM reverse mortgages, providing a full-spectrum offering for a small brokerage.

The business model is transaction-fee based: revenue is generated from commissions and origination fees on closed loans, with no publicly disclosed pricing or rate sheet. The customer-facing technology is a Blink.mortgage-powered online application portal embedded in the company website, supplemented by phone-based sales (727-773-0505), in-person consultations at the Tarpon Springs office, and organic social media presence on Facebook, LinkedIn, and Instagram. The go-to-market is direct-to-consumer and inside-sales driven, with personalized one-on-one service led by mortgage broker Diane Schillace (NMLS #359766), who has over 30 years of industry experience.

The firm is small (1-10 employees), independently owned with no disclosed parent company, funding, or institutional investors, and concentrates operations within Florida with the potential to serve broader U.S. customers through its digital channels. Ownership and leadership are tightly concentrated around the principal broker, and there is no evidence of M&A activity, expansion partnerships, or technological differentiation beyond the third-party Blink.mortgage loan application platform.

Name

OJ Mortgage

Legal name

OJ Mortgage Company Inc.

Website

https://ojmortgage.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

OJ Mortgage is a privately held, single-office retail mortgage brokerage in Tarpon Springs, Florida, founded in 1994, originating Conventional, Jumbo, FHA, VA, USDA, and reverse mortgage loans for individual homebuyers, refinancing homeowners, and investment property buyers in the Tampa Bay area.

Ownership category

akta.pro rank

Product category

Residential Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

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

akta.pro primary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

akta.pro secondary industries

Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

Keywords

• Mortgage brokerage
• Home loan origination
• Residential refinancing
• Jumbo loan financing
• Government-backed mortgages

Headquarters

HQ city

Tarpon Springs

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 Services: OJ Mortgage generates revenue through mortgage origination fees and commissions earned by facilitating home loans for buyers and homeowners. As a mortgage broker, the company earns fees for originating various loan products including Conventional, Jumbo, FHA, VA, and USDA loans, as well as refinancing transactions and reverse mortgages.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

OJ Mortgage is a residential mortgage broker that originates home loans and refinances for individual homebuyers and homeowners in Florida. The company matches borrowers to a broad product mix — Conventional (including no closing cost), Jumbo, FHA, VA, USDA loans, new construction interim financing, home improvement and equity loans, and reverse mortgages (HECM) — and guides each client through a personalized application process supported by phone, in-person, and online channels.

Product overview

OJ Mortgage offers a comprehensive suite of mortgage products designed for homebuyers and homeowners. The core offerings include Conventional loans (with no closing cost option), Jumbo loans, FHA loans, VA loans, and USDA loans. Additionally, OJ Mortgage provides specialized financing including new construction interim financing, home improvement loans, equity loans, and reverse mortgages (HECM) for seniors. The company emphasizes a unified service approach where experienced mortgage professionals guide clients through personalized loan solutions tailored to individual financial situations.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Loans Standard mortgage loans conforming to Fannie Mae and Freddie Mac guidelines, including an option for no closing cost financing, for homebuyers and refinancing homeowners.
• Jumbo Loans Non-conforming mortgage loans that exceed Fannie Mae and Freddie Mac loan limits, for high-value properties and investment property buyers.
• FHA Loans Federal Housing Administration insured mortgages designed for first-time homebuyers and borrowers with lower down payments.
• VA Loans Department of Veterans Affairs guaranteed mortgages for eligible military service members and veterans.
• USDA Loans United States Department of Agriculture rural development loans for eligible homebuyers in qualifying rural areas.
• New Construction Financing Interim financing solutions for building new homes, disbursed based on construction milestones.
• Home Improvement Loans Financing options for home improvements and renovations, often utilizing home equity.
• Equity Loans Loans backed by the equity in an existing property, allowing homeowners to access cash for various purposes.
• Reverse Mortgages (HECM) Home Equity Conversion Mortgages for seniors aged 62 and older to convert home equity into monthly income or credit lines.
• Refinancing Options Mortgage refinancing solutions to help homeowners secure better rates and terms, including rate-and-term and cash-out refinancing.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves3 records

Direct peers

• Paramount Residential Mortgage Group (PRMG): A national retail mortgage lender with branch offices across the US including Florida, offering a comprehensive product suite (conventional, FHA, VA, USDA, jumbo, reverse) through commissioned retail loan officers. Highly comparable retail origination model and product breadth to OJ Mortgage.
• NewRez (formerly New Penn Financial): A national mortgage lender with retail and wholesale channels offering conventional, government, jumbo, and reverse mortgage products. Comparable to OJ Mortgage in retail consumer-direct origination and broad product menu, with greater scale and a more developed digital platform.
• Fairway Independent Mortgage Corporation: A large national retail mortgage lender and broker with branch-based loan officers serving consumers across the US, including Florida. Closely comparable to OJ Mortgage in retail consumer-direct origination model and broad product set (conventional, government, jumbo, reverse), though with broader geographic reach and brand scale.
• Guild Mortgage: A national retail mortgage lender with branch-based loan officers serving homebuyers and refinancers across the US including Florida. Offers the same core product set as OJ Mortgage (conventional, government, jumbo, reverse) with a similar customer-first retail origination approach, though at materially larger scale.
• Caliber Home Loans: A national retail mortgage lender offering conventional, government, jumbo, and reverse mortgage products through branch-based retail loan officers. Comparable to OJ Mortgage in retail consumer-direct origination approach and product breadth, though at substantially larger scale.
• Movement Mortgage: A major retail mortgage lender with branch offices across the US including Florida, offering conventional, FHA, VA, USDA, and reverse mortgages through commissioned loan officers. Highly comparable retail-broker model and product breadth to OJ Mortgage.
• CrossCountry Mortgage: A large national retail mortgage lender with branch presence in Florida offering conventional, FHA, VA, USDA, and reverse mortgages through commissioned loan officers. Closely comparable business model to OJ Mortgage with personalized retail origination and a similar multi-channel product offering.
• American Pacific Mortgage: A retail mortgage lender with branch-based loan officers across multiple states including Florida, offering conventional, government, jumbo, and specialty financing. Comparable to OJ Mortgage as a retail broker offering a similar product suite through commissioned producers.

Broad incumbents

• Rocket Mortgage: The largest US mortgage lender, originally a retail mortgage broker under Quicken Loans before pivoting to a digital-first model. Offers the full product suite OJ Mortgage carries (conventional, jumbo, FHA, VA, USDA, reverse) and competes for the same consumer-direct borrower, though at vastly greater scale.
• loanDepot: One of the largest US retail and wholesale mortgage lenders, offering conventional, government, jumbo, and reverse mortgage products through both retail branches and a broker channel. Significantly larger than OJ Mortgage but directly comparable in product mix and retail consumer-direct go-to-market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ojmortgageco
• LinkedInlinkedin.com/company/oj-mortgage-inc-
• Instagraminstagram.com/ojmortgage
• Xx.com/OJMortgageCo

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 OJ Mortgage