My Denver Mortgage Company

What My Denver Mortgage Company does

My Denver Mortgage Company is a privately held mortgage brokerage firm based in Aurora, Colorado, founded by Chelsey Laine Brown and Stacey King, who have worked together in the mortgage industry since they were teenagers and each bring more than two decades of origination experience. The company operates as an intermediary between borrowers and multiple wholesale lenders, sourcing home purchase and refinance loans across a broad product catalog that includes fixed-rate, adjustable-rate, FHA, VA, USDA, Jumbo, Reverse, Interest Only, Balloon, Graduated Payment, Hybrid ARM, and HARP 2.0 programs. Customer acquisition runs through a hybrid motion: direct sales by three Senior Mortgage Loan Officers (the two founders plus Sidney King), physical presence at Southlands Mall and DTC locations in the Denver Metro area, and a self-serve digital application pathway integrated with Blink.mortgage. The technology stack is built almost entirely on third-party platforms — Blink.mortgage for application processing, LenderHomePage.com for the website and content management, and UserWay for accessibility — with no proprietary technology or AI capabilities disclosed.

The firm earns revenue primarily through origination commissions and lender-paid fees on closed loans, with the broker model providing access to multiple wholesale lenders and loan programs rather than balance-sheet lending. Target customer segments include home buyers (particularly first-time buyers), existing homeowners refinancing, veterans and military personnel, and self-employed or complex-income borrowers served through non-traditional documentation programs. Marketing is content-led, centered on a mortgage basics library, blog, online calculators, and personal-brand social media accounts operated by the loan officers (notably "Denver Mortgage Mama" by Chelsey Brown). The company holds NMLS license #1802268 and operates as a founder-controlled business with no disclosed institutional investors, parent company, or external funding. Geographic reach is concentrated in the Colorado/Denver Metro market, with a nascent extension into Florida through Chelsey Brown's dual-state client base.

Name

My Denver Mortgage Company

Legal name

My Denver Mortgage Company

Website

https://mydenvermtg.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

My Denver Mortgage Company is a privately held Aurora, Colorado-based mortgage brokerage founded by Chelsey Laine Brown and Stacey King that originates home purchase and refinance loans across more than a dozen loan programs by brokering between individual borrowers and multiple wholesale lenders.

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 industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Mortgage brokerage services
• Home purchase financing
• Mortgage refinance loans
• Residential lending programs
• Loan officer advisory

Headquarters

HQ city

Aurora

HQ country

United States

HQ region

North America

Offices2 records

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: As a mortgage broker, the company earns revenue through origination fees and commissions from lenders when loans close. The broker has access to many different loan programs, allowing them to match customers with appropriate lenders and products.
2. Loan Servicing Referrals: Potential referral fees or ongoing revenue from loan servicing arrangements with partnered lenders.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

My Denver Mortgage Company is a Colorado-based mortgage brokerage that shops loan products from multiple lenders on behalf of individual consumers. The company originates home purchase loans and refinance loans through a broker model, providing access to a wide range of loan programs (Conventional, FHA, VA, USDA, Jumbo, Reverse, ARM, and specialty products), supported by personalized loan officer service and online application tools.

Product overview

My Denver Mortgage Company is a mortgage broker offering a comprehensive suite of home financing products. The company provides home purchase and refinance loans as mezzanine, with access to multiple loan programs including Fixed Rate Mortgages, Adjustable Rate Mortgages, FHA Loans, VA Loans, USDA Loans, Jumbo Loans, Reverse Mortgages, Balloon Mortgages, Interest Only Mortgages, Graduated Payment Mortgages, HARP 2.0 Refinance, and Hybrid ARMs. Additional services include mortgage calculators and an online secure application platform. As a mortgage broker, the company has access to many different loan programs to find the right fit for customer needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchase Loans Mortgage financing for individual homebuyers to purchase residential properties, with access to multiple loan programs through the company's broker model that shops lenders for the best fit.
• Home Refinance Loans Refinance options for existing homeowners to potentially lower monthly payments, change loan term, eliminate PMI, or access home equity through cash-out refinance.
• Fixed Rate Mortgages Traditional fixed rate mortgage with monthly principal and interest payments that never change during the life of the loan, available in 10- to 30-year terms for home purchase or refinance.
• Adjustable Rate Mortgages (ARM) Loans whose interest rate can vary during the loan's term, with an initial fixed rate period followed by adjustments based on market conditions.
• FHA Loans Federal Housing Administration insured loans allowing individuals who may not qualify for conventional mortgages to obtain financing with low minimum down payments (3.5%).
• VA Loans Veterans Administration guaranteed home loans requiring no down payment, available to eligible veterans and military personnel for primary residences, with no PMI and flexible credit.
• USDA Loans Zero down payment mortgages for low-income Americans purchasing homes in designated rural and suburban areas, backed by the USDA.
• Jumbo Loans Mortgages for properties exceeding the conventional conforming loan limits, requiring non-conforming conventional financing for higher-value homes.
• Reverse Mortgages Home equity loans allowing homeowners (typically seniors) to convert existing equity into cash while retaining ownership of the property.
• Balloon Mortgages Mortgages with fixed interest rates for an initial period, after which the remaining principal balance becomes due in a lump sum.
• Interest Only Mortgages Loans where monthly payments cover only interest for a set period before principal repayment begins, allowing lower initial payments.
• Graduated Payment Mortgages Loans where payments increase each year for a predetermined period before becoming fixed for the remaining loan duration, designed for borrowers expecting income growth.
• HARP 2.0 Refinance Refinance program for underwater homeowners who owe more on their home than it is currently worth, backed by Fannie Mae or Freddie Mac.
• Hybrid ARMs Fixed-period ARMs combining features of fixed-rate and adjustable-rate mortgages, with initial fixed rates for 3, 5, 7, or 10 years before adjustments begin.

Quantifiable outcome

• Three-time recipient of 5280 Five Star Mortgage Professional Award (Stacey King)

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Blink.mortgagecoreTechnology or IntegrationPartner platform for online mortgage application processing. Provides the technology infrastructure for the company's digital application pathway for both home purchase and refinance products.

Scale indicators4 records

Recent moves2 records

Expansion highlights5 records

Others

• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender and a likely partner in My Denver Mortgage's broker channel. Not a direct competitor; functions as a wholesale funding source and infrastructure counterparty for the firm's brokered originations.

Direct peers

• NewRez LLC: National mortgage originator and servicer with retail and wholesale channels covering conventional and government loans. Comparable in multi-channel origination model and product coverage.
• Caliber Home Loans: National retail mortgage lender with a broad loan program suite including conventional, FHA, VA, and non-QM products. Comparable in retail distribution and multi-program offering.
• Guild Mortgage: National retail mortgage lender with a sizeable Denver-area branch presence offering purchase and refinance loans across government and conventional programs. Comparable in retail distribution and product breadth.
• Fairway Independent Mortgage Corporation: National retail mortgage lender operating a branch-based model with a broad product set including conventional, government, and non-QM loans. Comparable in retail broker-style distribution and loan program breadth.
• PrimeLending: National retail mortgage lender with a Plano, TX-rooted branch network serving purchase and refinance customers across conventional, FHA, VA, and jumbo programs. Comparable in retail branch distribution model.
• Cornerstone Home Lending: Multi-channel retail mortgage lender with a strong branch network and broad product menu including FHA, VA, USDA, and jumbo. Comparable in retail branch-driven origination philosophy and product range.
• Cherry Creek Mortgage Company: Denver-area retail mortgage lender and broker offering conventional, FHA, VA, USDA, and jumbo programs with a comparable local relationship-driven model. Direct geographic and product overlap with My Denver Mortgage Company in the Denver metro.

Broad incumbents

• loanDepot: Large national mortgage lender with retail, wholesale (LDWholesale), and consumer-direct channels. Competes for the same Denver purchase and refinance demand with materially greater scale and marketing budget.
• Rocket Mortgage: Largest U.S. direct-to-consumer mortgage lender, offering a fully digital purchase and refinance experience that competes for the same Denver borrowers. Significantly larger scale and brand spend than My Denver Mortgage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/DMortgageMama
• Facebookfacebook.com/Sidney-KingSenior-Loan-OfficerMy-Denver-Mortgage-CompanyNMLS-1856884-1408911702581910
• LinkedInlinkedin.com/in/sidneyMyDenverMTG

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 My Denver Mortgage Company