What Ocean Equity Solutions does

Ocean Equity Solutions, Inc. is a privately held mortgage brokerage founded in 2017 and headquartered at 6965 El Camino Real, Suite 105, Carlsbad, California. The firm originates residential, commercial, construction, and reverse mortgage loans for borrowers in the San Diego area, acting as an intermediary that connects clients with a network of global investors to source financing. Its value proposition emphasizes 24-hour pre-approval and a 15-business-day-or-less turnaround from application to closing, positioning the firm as a relationship-driven alternative to large institutional lenders.

The company's core offering consists of four loan product lines — traditional residential, commercial, construction, and reverse mortgages — supported by a hybrid online and offline application process. Customer-facing digital tools include three dedicated Wix-hosted online intake pathways for purchase applications, refinance applications, and document uploads. There is no proprietary technology platform, AI/ML capability, or disclosed third-party integration; the technology stack is a standard small-business website with secure form intake. Marketing is conducted through the company website, customer testimonials, and direct outreach by President Preston Caffrey and Marketing Director Dave Cook.

Ocean Equity Solutions generates revenue on a transaction-fee basis, earning commissions on each loan originated through its investor network. It serves a horizontal mix of customer segments — individual residential borrowers (primary), commercial borrowers, construction developers, and senior homeowners — all within a single domestic market (San Diego County, California). The firm is founder-owned, has no institutional investors, no parent company, no subsidiaries, and no disclosed funding rounds.

Name

Ocean Equity Solutions

Legal name

Ocean Equity Solutions, Inc.

Website

https://oesloans.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Ocean Equity Solutions is a privately held Carlsbad, California mortgage brokerage founded in 2017 that originates residential, commercial, construction, and reverse mortgage loans for San Diego-area borrowers through its network of global investors.

Ownership category

akta.pro rank

Product category

Mortgage Brokering

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Reverse Mortgage Brokerage (FSAEAEAE)

Keywords

• Mortgage brokering services
• Residential lending
• Commercial real estate loans
• Construction financing
• Reverse mortgage solutions

Headquarters

HQ city

Carlsbad

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Mortgage Brokerage Services: The company acts as a mortgage broker earning commissions on loans originated. They connect borrowers with global investor relationships to secure financing for residential, commercial, and construction loans. Revenue is generated through loan origination fees and spreads from their investor network.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Ocean Equity Solutions is a mortgage brokerage that connects borrowers with its network of global investors to finance Traditional Loans, Commercial Loans, Construction Loans, and Reverse Mortgages. The firm processes loans from application to closing in 15 business days or less and offers pre-approval within 24 hours through secure online applications for purchase, refinance, and document upload. It serves residential borrowers, commercial borrowers, construction loan borrowers, and reverse mortgage clients in the San Diego/Carlsbad, California market.

Product overview

Ocean Equity Solutions offers a mortgage brokering service with a portfolio of loan products including Traditional Loans, Commercial Loans, Construction Loans, and Reverse Mortgages. The company provides an end-to-end loan processing service, guiding clients from application through closing within 15 business days or less. Customer-facing digital tools include three distinct online application pathways: Purchase Application, Refinance Application, and Document Upload portal. The core value proposition centers on personal relationships and integrity in financing, with direct access to loan officers rather than institutional processes.

Differentiator

Problem solved

Functional benefit

Products and services

• Traditional Loans

Quantifiable outcome

• Loan processing from application to closing in 15 business days or less
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves3 records

Expansion highlights2 records

Broad incumbents

• United Wholesale Mortgage (UWM): Leading wholesale mortgage lender serving independent mortgage brokers; a broad incumbent that could serve as an investor-partner counterparty to Ocean Equity's broker business at massive scale.
• Guild Mortgage: National retail mortgage lender offering purchase, refinance, and government loans; broad incumbent with overlapping product categories and Western U.S. geographic presence including California.
• loanDepot: Major retail and wholesale mortgage lender serving consumers and partners across purchase, refinance, and HELOC products; broad incumbent offering similar loan categories at national scale.
• Rocket Mortgage: Largest U.S. retail mortgage lender and a broad incumbent offering purchase, refinance, and home equity products nationwide; competes with Ocean Equity on speed and scale but is far larger and more digital.

Others

• LendingTree: Online loan marketplace aggregating lender offers for mortgages and consumer credit; not a direct broker but adjacent infrastructure that competes for the same borrowers Ocean Equity targets via digital channels.

Emerging players

• Mutual of Omaha Mortgage: Direct-to-consumer mortgage lender with a strong focus on reverse mortgages plus conventional purchase and refinance products — comparable in offering reverse mortgages as a core product line for senior homeowners.

Direct peers

• Paramount Residential Mortgage Group (PRMG): Retail mortgage lender operating a similar retail branch-based origination model across residential, commercial, and government loan products; directly comparable in business model, though at significantly larger scale.
• The Mortgage Firm: Mid-size retail mortgage lender offering purchase and refinance products through branch offices, closely matching Ocean Equity's relationship-driven retail brokerage approach and team-based origination model.
• Supreme Lending: Retail mortgage lender with branch-based origination of conventional, government, and construction loans — directly comparable product mix and relationship-driven retail model.
• C2 Financial: Retail mortgage broker with multiple loan officers operating across California and other states, comparable in offering diversified loan products with relationship-based service similar to Ocean Equity.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/oesloans

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Ocean Equity Solutions