O Capital Group

What O Capital Group does

O Capital Group is a Phoenix-based mortgage brokerage firm founded in 2018 by Kofi O. Okyere and licensed through NMLS #1717821 to operate in Arizona, Texas, and Florida, with mailing addresses in Phoenix (headquarters), Katy (TX), and Miami (FL). The company acts as an intermediary between borrowers and multiple wholesale lenders rather than a retail lender, accessing FHA, VA, Conventional, USDA, bank statement, and investment property loan programs to structure each borrower's financing. It serves five named customer segments: first-time homebuyers, real estate investors, self-employed professionals, refinancing homeowners, and strategic move-up buyers, with explicit specialization in self-employed and investor financing as higher-margin niches.

The technology stack combines a self-service online application portal (ocap.my1003app.com), an integrated new home portal with market search, and the Homebot client engagement tool for ongoing equity tracking and refinance triggers. Product surface includes mortgage loan origination, FHA/VA/Conventional/USDA loans, bank statement loans for non-traditional income, investment property loans, cash-out refinance, and a 'Strategic Mortgage Planning' consultative approach. GTM is sales-led direct-to-consumer, supplemented by a Partner Producer Network that recruits mortgage loan originators across AZ/TX/FL as channel partners who originate under the O Capital broker license.

The business model is transaction-based origination fee revenue earned on each closed mortgage, with no disclosed fee schedule or volume figures. The firm is family-operated with approximately nine team members, including four Okyere family members in leadership roles (Kofi as President & CEO, Kojo as VP-AZ, Kwesi 'PK' as VP-TX, Clare as COO, and Keon as Director of Processing & Compliance), supplemented by non-family loan officers (Carla Roberds, Kyle Navarrette, Jerome Young). There are no disclosed funding rounds, parent entities, or institutional investors, and revenue, GMV, and loan origination volume are not publicly disclosed.

Name

O Capital Group

Legal name

O Capital Group LLC

Website

https://ocapitalloans.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

O Capital Group is a Phoenix-based mortgage brokerage founded in 2018, licensed in Arizona, Texas, and Florida, that originates purchase and refinance loans for first-time homebuyers, real estate investors, and self-employed borrowers by accessing multiple wholesale lenders.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Finance and Insurance (52)

SIC

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

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industry

Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)

Keywords

• Mortgage brokerage services
• Home loan origination
• Mortgage refinancing
• Wholesale lending broker
• Residential mortgage loans

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination Fees: The company earns origination fees on each mortgage loan closed, paid by borrowers at closing. As a mortgage broker working with wholesale lenders, fees are typically lower than retail bank fees. The company also benefits from volume-based compensation from lenders based on loan performance.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

O Capital Group is a mortgage brokerage that originates residential home loans and refinances on behalf of borrowers by shopping multiple wholesale lenders for the best-fit program. Its product mix spans FHA, VA, Conventional, USDA, Bank Statement (self-employed), and Investment Property loans, delivered through a consultative "Strategic Mortgage Planning" approach by licensed loan officers in Arizona, Texas, and Florida.

Product overview

O Capital Group is an Arizona-based mortgage brokerage operating as a single unified service offering. As a mortgage broker, the company accesses multiple wholesale lenders to find optimal loan programs rather than offering a single proprietary product. The core offering is mortgage loan origination encompassing purchase loans and refinances. The product portfolio includes various loan types (FHA, VA, Conventional, USDA, Bank Statement loans for self-employed borrowers, and Investment Property loans) that are matched to client needs through their Strategic Mortgage Planning approach. The company operates across Arizona, Texas, and Florida with nationwide investment property capabilities, utilizing third-party tools like Homebot for client equity tracking.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Loan Origination

Quantifiable outcome

• A Phoenix client saved $16,000 in lender fees while lowering their payment through strategic mortgage structure review
• +1 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

One partnership is on record.

• Multiple Wholesale LenderscoreTechnology or Integration · 1 January 2018As a mortgage broker, O Capital Group works with multiple wholesale lenders to provide diverse loan programs including FHA, VA, Conventional, USDA, and investment loans. The broker model allows access to competitive rates and specialized programs that individual borrowers cannot access directly.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• United Wholesale Mortgage: Largest US wholesale mortgage lender, operating exclusively through the broker channel. Directly comparable to O Capital's wholesale-broker business model but at vastly greater scale, with a similar value proposition of multi-lender program access for originators.
• loanDepot: National retail and wholesale mortgage lender offering purchase and refinance products through both direct and broker channels. Competes with O Capital for the same consumer in AZ, TX, and FL with a comparable product set (FHA, VA, conventional, jumbo).
• Rocket Mortgage: Largest US retail mortgage lender and a direct competitor for the same purchase and refinance borrowers O Capital serves. Operates a vertically integrated, technology-led model with strong consumer brand recognition that competes with brokers for the same end borrower.

Direct peers

• Guild Mortgage: Mid-to-large retail and wholesale mortgage lender with strong Sun Belt presence and a particular focus on affordable and government-backed loan programs (FHA, VA, USDA). Closely comparable to O Capital in product mix, geography, and customer segment.
• Homepoint: Pure-play wholesale mortgage lender serving brokers and correspondents nationally. Direct competitor to O Capital's broker model and to the same wholesale lender network O Capital draws from for FHA, VA, and conventional product.
• NewRez (formerly New Penn Financial): National mortgage lender and servicer operating retail, wholesale, and correspondent channels. Comparable to O Capital in offering a multi-channel distribution model and government loan programs, and is a realistic M&A or strategic acquirer profile for a small broker.
• Caliber Home Loans: Mid-sized mortgage lender with retail and wholesale channels, strong in conventional and government-backed lending, and an active correspondent purchasing business. Comparable to O Capital on product breadth and wholesale model.
• Academy Mortgage: Mid-sized retail and wholesale mortgage lender with multi-state branch operations and a particular emphasis on first-time homebuyer education. Comparable to O Capital on product set, retail branch model, and target segments including self-employed borrowers.
• Keller Mortgage: Mortgage lender affiliated with Keller Williams Realty, offering retail and joint venture production with real estate agents. Comparable to O Capital in the real-estate-agent referral channel and in serving first-time and move-up buyers in similar Sun Belt geographies.

Emerging players

• Neighborhood Loans: Regional retail mortgage lender with multi-state operations including AZ, TX, and FL. Comparable to O Capital in geographic footprint, in-person service model, and focus on first-time and self-employed borrowers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCugco6eItTw87GZTEns32rQ
• Facebookfacebook.com/ocapitalgroup
• LinkedInlinkedin.com/company/o-capital-group/about/?viewAsMember=true

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 O Capital Group