Counsel Mortgage Group

Name

Counsel Mortgage Group

Legal name

Counsel Mortgage Group, LLC

Website

https://counselmortgagegroup.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Commercial & Multifamily Mortgage Brokers (FSALABAB), Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Reverse Mortgage Brokers (FSALABAD)

Keywords

• Mortgage brokerage services
• Residential loan programs
• Commercial real estate financing
• Wholesale mortgage lending
• VA and FHA loans

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Brokerage Commission: As a mortgage broker, the company earns commission by brokering loans to wholesale lenders. They must disclose commissions to customers. Revenue comes from origination fees and yield spread from lenders.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Counsel Mortgage Group is a Scottsdale, Arizona-based mortgage brokerage that shops residential and commercial loan scenarios to multiple wholesale lenders to find the best mortgage product, rate, and cost for borrowers. The firm offers purchase mortgages, refinance mortgages, first-time homebuyer programs, investment property loans, VA, FHA, USDA, conventional, jumbo, ARM, and reverse mortgage programs, as well as commercial and SBA loan brokerage, operating under licenses in Arizona, California, Hawaii, and Illinois.

Product overview

Counsel Mortgage Group is a mortgage brokerage providing residential and commercial financing services in Arizona, California, Hawaii, and Illinois. Their core offerings include Residential Loans (purchase, refinance, first-time homebuyer, investment property, vacation homes, condominiums, and jumbo loans) and Commercial Loans (for commercial buildings and SBA loans). They offer various Loan Programs including Conventional Home Loans, Adjustable Rate Mortgages, VA Loans, FHA Loans, USDA Loans, and Reverse Mortgages. The company operates by brokering loans to multiple wholesale lenders including United Wholesale Mortgage, Pennymac TPO, Newrez Wholesale, and Symmetry Lending. Additional services include a Mortgage Calculator tool and the proprietary ACID Test qualification methodology (Assets, Credit, Income, Down Payment).

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Loans Financing for homes, condominiums, and second homes. Includes purchase mortgages, refinance mortgages, first-time homebuyer programs, investment property financing, second homes/vacation homes, and condominium lending for individual homebuyers and property owners.
• Commercial Loans Financing for commercial buildings and business real estate purchases, including conventional commercial loans and SBA loans, for business owners and commercial property buyers.
• Conventional Home Loans Residential conventional loans used to finance primary residences, second homes, and investment properties, available as conforming loans up to $806,500 or as jumbo loans above that limit in Arizona.
• Adjustable Rate Mortgages (ARMs) Mortgage loans that are fixed for a specified initial period and then adjust for the remaining amortization term, offered to residential borrowers.
• VA Loans Government-backed mortgage loans for veterans offering 100% financing with no down payment and the potential for no out-of-pocket closing costs when sellers pay those expenses.
• FHA Loans Government loans insured by the Department of Housing and Urban Development (HUD) requiring a minimum 3.5% down payment of the sales price, available to qualified residential borrowers.
• USDA Loans Rural Development loans from the USDA allowing home purchase with no down payment and without monthly mortgage insurance in eligible rural areas.
• Jumbo Loans Residential mortgage loans in excess of the $806,500 conforming loan limit, requiring full documentation and demonstrated income, for borrowers purchasing higher-value properties.
• Reverse Mortgages Loans that use home equity to make payments on behalf of the borrower, available to homeowners at least 62 years old (55 in some cases) with approximately 50% equity in their primary residence, structured as HELOC, fixed rate, or jumbo options.

Quantifiable outcome

• Wholesale mortgage rates typically lower than retail bank rates

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered secondary, minor and core.

• PennyMac TPOsecondaryChannel Partner/ Reseller/ Distributor · 6 April 2023PennyMac TPO is a wholesale lender offering conventional and government loans. Counsel Mortgage has brokered loans to Pennymac, praising their process and support.
• Symmetry LendingminorChannel Partner/ Reseller/ Distributor · 26 December 2022Symmetry Lending offers home equity lines of credit (HELOCs) as second mortgages for debt consolidation or home improvement.
• Newrez WholesalesecondaryChannel Partner/ Reseller/ Distributor · 21 December 2022Newrez is a full-service wholesale lender that acquired Caliber Home Loans. They offer conventional, government, and Non-QM loans and service their own loans.
• United Wholesale Mortgage (UWM)coreChannel Partner/ Reseller/ Distributor · 26 September 2020UWM is one of the largest wholesale lenders in the nation. Counsel Mortgage brokers residential loans to UWM, offering conventional, government, jumbo, and construction loans. UWM recently went public and provides competitive rates and technology.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Guild Mortgage: Mid-size retail and wholesale mortgage lender operating across multiple U.S. states with a comparable mix of residential purchase, refinance, FHA/VA, and government loan programs. Closely matches Counsel Mortgage's multi-state, multi-channel product offering.
• PrimeLending: National retail mortgage lender offering purchase, refinance, FHA, VA, USDA, and reverse mortgages across multiple U.S. states. Comparable multi-state branch-based brokerage model.
• Homebridge Financial Services: Direct and wholesale mortgage lender focused on retail and broker channels across multiple states. Offers conventional, government, jumbo, and Non-QM products through a similar broker-to-wholesale-lender pipeline as Counsel Mortgage.
• Movement Mortgage: National retail mortgage lender with a branch-driven model and broad conventional, government, and specialty loan programs. Comparable in scale, GTM approach, and product diversification.
• New American Funding: National mortgage lender offering retail and broker origination with a particularly strong focus on Latino and first-time homebuyer segments. Comparable in multi-state operation and broker-driven distribution.
• CrossCountry Mortgage: National retail mortgage lender with branch network and broad product mix including conventional, FHA, VA, USDA, and reverse mortgages. Comparable multi-state retail brokerage model with diversified product offerings.
• Fairway Independent Mortgage Corporation: Mid-size mortgage lender and broker operating nationally with a strong retail branch network and broad product set including conventional, FHA, VA, USDA, and reverse mortgages. Comparable in scale, product breadth, and branch-driven GTM model.

Broad incumbents

• LoanDepot: Large national retail and wholesale mortgage lender with both consumer-direct and broker channels. A broad incumbent competitor in the same overall residential mortgage market, offering conventional, government, and HELOC products.
• Rocket Mortgage: Largest U.S. retail mortgage lender with vertically integrated direct-to-consumer digital origination. Represents the scale and digital competition Counsel Mortgage faces; broad incumbent in the same retail mortgage market.

Others

• UWM Holdings (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender and Counsel Mortgage's primary upstream partner. While not a direct competitor to Counsel's broker business, UWM sets wholesale pricing terms that materially drive broker economics and channel strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@mortgagecounselor
• Facebookfacebook.com/counselmortgagegroupllc
• Xx.com/counselmortgage
• LinkedInlinkedin.com/company/counsel-mortgage-group-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Counsel Mortgage Group