De Young Mortgage
De Young Mortgage is a private Fresno, California mortgage brokerage — an affiliate of De Young Properties — that originates Conventional, FHA, VA, USDA, Jumbo, and NON-QM home loans for Central Valley homebuyers, refinancers, and veterans in the Fresno, Clovis, and Madera markets.
- Company typePrivate
- Founded2012
- HeadquartersFresno, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What De Young Mortgage does
De Young Mortgage, Inc. is a privately held mortgage brokerage founded in 2012 and headquartered in Fresno, California, operating as an affiliate of regional homebuilder De Young Properties. The company originates and brokers residential mortgage loans — including Conventional, FHA, VA, USDA, Jumbo, and NON-QM products — for homebuyers, homeowners seeking refinancing, veterans, and investment property buyers primarily in the Central Valley region (Fresno, Clovis, and Madera). It monetizes through transaction-based origination fees earned on each closed loan, with specific rates and fees determined per borrower based on credit profile, loan type, and prevailing market conditions.
The operating model is a hybrid of direct sales-led and channel-driven distribution. Loan officers conduct one-on-one consultations at De Young Welcome Centers in Clovis and at the Fresno corporate office, while the company also originates loans from the broader Central Valley community via its website, the Floify online application portal, and free in-person homebuyer financing workshops. Its central commercial advantage is the affiliate relationship with De Young Properties, which provides a steady referral pipeline of new-construction buyers and is reinforced by a referral rewards program ($1,000 for current De Young homeowners, $500 for non-owners) that creates ecosystem-level stickiness across the De Young family of businesses.
The technology stack is intentionally lightweight: a Floify-hosted online application, a website-based mortgage calculator, and standard content marketing assets. There is no proprietary AI, no public API, no mobile app, and no disclosed automation beyond third-party loan origination software. The company is led by Jerry De Young (CEO/Founder) and Brandon De Young (President), with Tim O'Hare as a senior loan officer, and has financed over 1,500 loans since inception across a small (1-10) employee base serving a single regional market.
De Young Mortgage firmographics
Firmographics- Name
- De Young Mortgage
- Legal name
- De Young Mortgage, Inc.
- Website
- https://deyoungmortgage.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- De Young Mortgage is a private Fresno, California mortgage brokerage — an affiliate of De Young Properties — that originates Conventional, FHA, VA, USDA, Jumbo, and NON-QM home loans for Central Valley homebuyers, refinancers, and veterans in the Fresno, Clovis, and Madera markets.
- Ownership category
- akta.pro rank
De Young Mortgage industry classification
Industry- Product category
- Residential Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)
- akta.pro secondary industries
- Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA), Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)
Keywords
Where De Young Mortgage is headquartered
LocationHeadquarters
- HQ city
- Fresno
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
De Young Mortgage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Origination Fees: De Young Mortgage operates as a mortgage broker earning origination fees on home loans including Conventional, FHA, USDA, VA, and Jumbo loans. Revenue generated from facilitating mortgage loans for homebuyers and homeowners in the Central Valley area.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Conventional Loans |
| Transaction based/ take rate | Pay-as-you-go | FHA Loans |
| Transaction based/ take rate | Pay-as-you-go | VA Loans |
| Transaction based/ take rate | Pay-as-you-go | USDA Loans |
| Transaction based/ take rate | Pay-as-you-go | Jumbo Loans |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
De Young Mortgage product offering
Product offeringCore offering
De Young Mortgage is a residential mortgage brokerage that originates and arranges home loans for individual consumers, including Conventional, FHA, VA, USDA, Jumbo, and NON-QM loans for home purchases, refinancing, new construction, and investment properties. The firm serves as a one-stop financing resource for homebuyers and homeowners in California's Central Valley (Fresno, Clovis, and Madera), operating as a licensed California Real Estate Broker (license #01926671) and NMLS-licensed mortgage broker (#1026010). It earns origination fees by facilitating loans between borrowers and lending partners, with loan officers providing personalized consultations and digital tools for online pre-qualification and applications.
Product overview
De Young Mortgage is a mortgage brokerage firm offering a comprehensive suite of home financing products and services primarily serving the Central Valley, California region (Fresno, Clovis, and Madera areas). The company operates as a one-stop financing resource providing multiple loan programs including Conventional, FHA, VA, USDA, Jumbo, and NON-QM mortgage loans for home purchases, refinancing, new construction, and investment properties. The product portfolio centers on core mortgage lending products (Conventional, FHA, VA, USDA, Jumbo, NON-QM loans and refinancing) supported by add-on financial tools such as an Online Mortgage Calculator, Down Payment Assistance Programs, Closing Cost Assistance, and Mortgage Interest Rate Buydown options. The company also offers educational services through its Homebuyer Financing Workshop and maintains a Referral Program partnership with affiliate De Young Properties. The services are designed to serve both new homebuyers purchasing De Young Properties homes and the broader community seeking any type of residential mortgage financing.
Differentiator
Problem solved
Functional benefit
Products and services
- Conventional Mortgage Loans Standard mortgage loans conforming to Freddie Mac and Fannie Mae limits for single-family homes. For Fresno County, the conforming limit is $806,500. Designed for borrowers with strong credit and stable income purchasing or refinancing primary residences, second homes, or investment properties.
- FHA Mortgage Loans Federal Housing Administration-backed loans with more lenient credit score and down payment requirements designed to help low-to-moderate income homebuyers achieve homeownership. Fresno County FHA loan limit is $524,225. Often paired with down payment assistance programs for first-time buyers.
- VA Mortgage Loans U.S. Department of Veterans Affairs-backed loans offering zero down payment options, competitive interest rates, no PMI, and flexible qualification requirements. Designed for eligible veterans, active-duty service members, and surviving spouses purchasing primary residences.
- USDA Mortgage Loans U.S. Department of Agriculture loans designed for rural property purchases with no down payment requirement and competitive rates for eligible buyers in qualifying rural areas. Targets rural Central Valley clientele purchasing homes in USDA-eligible zones.
- Jumbo Mortgage Loans Loans exceeding conforming loan limits for higher-value properties, offering financing options for homes priced above $806,500 in Fresno County. Subject to more stringent underwriting criteria than conforming loans.
- Mortgage Refinancing Refinancing services allowing homeowners to lower interest rates, reduce monthly payments, access home equity through cash-out refinancing, switch from adjustable-rate to fixed-rate mortgages, or consolidate debt. Includes rate refinancing, cash-out refinancing, and loan modification options.
- New Home Construction Financing Financing options for building new homes, including construction loans and permanent financing solutions for customers building their dream homes. Particularly used by buyers purchasing homes in De Young Properties communities.
- Investment Property Financing Mortgage products for purchasing investment properties and rental real estate, with tailored loan programs for investors building or expanding property portfolios.
- NON-QM Loans Non-Qualified Mortgage loans for borrowers who may not meet traditional qualification criteria, offering alternative financing pathways for self-employed borrowers, those with non-traditional income, or other unique financial situations not served by standard agency loans.
- Home Equity Loans and HELOCs Home equity financing options including home equity loans and HELOCs (home equity lines of credit) allowing homeowners to access accumulated equity in their homes for renovations, debt consolidation, education, or other financial needs.
Quantifiable outcome
- Over 1,500 loans financed for families in the Central Valley
- +1 more outcomes
Companies that use De Young Mortgage
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles4 records
De Young Mortgage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
De Young Mortgage partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- De Young PropertiescoreDe Young Mortgage is an affiliate of De Young Properties, a legacy homebuilder in the San Joaquin Valley. The mortgage company serves as the preferred financing resource for homebuyers purchasing homes in De Young Properties communities, offering streamlined financing for new construction homes. De Young Mortgage also offers referral rewards through De Young Properties ($1,000 for current homeowners, $500 for non-owners when referring buyers who close on a De Young home).
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
De Young Mortgage competitors and assessment
Company assessmentDirect peers
- Paramount Residential Mortgage Group (PRMG): Multi-channel residential mortgage lender (retail, wholesale, correspondent) with broad product coverage including government-backed loans — comparable in scale and product breadth to De Young but operating nationally rather than regionally.
- Homebridge Financial Services: Mid-size retail mortgage lender with strong West Coast presence offering a comparable suite of Conventional, FHA, VA, USDA, and Jumbo products through branch-based loan officers — same fundamental business model and target borrower segments as De Young.
- American Pacific Mortgage: West Coast-focused mid-size residential mortgage lender with a similar retail broker model, multi-channel product mix (Conventional, FHA, VA, USDA, Jumbo), and emphasis on regional branch-based loan officer sales — directly comparable to De Young's footprint and go-to-market.
- Fairway Independent Mortgage: Mid-size retail mortgage lender with a broad product mix including government-backed and DPA programs, operating through branch-based loan officers — similar business model and product positioning to De Young at slightly larger scale.
- Guild Mortgage: West Coast-headquartered retail mortgage lender serving California and similar markets with FHA, VA, USDA, Conventional, and Jumbo products through branch-based loan officers — directly comparable in geography, customer base, and channel strategy.
Broad incumbents
- NewRez: National mortgage lender and servicer offering retail and wholesale channels across Conventional, FHA, VA, USDA, and Jumbo — overlapping product set with De Young and competing for similar purchase and refinance demand in California.
- Rocket Mortgage: Largest U.S. direct-to-consumer mortgage lender with proprietary technology and brand-led marketing — competes with De Young for the same borrower segments but differentiates entirely on digital experience and scale rather than local relationships.
- loanDepot: California-headquartered large mortgage lender offering retail, wholesale, and direct-to-consumer channels across Conventional, FHA, VA, USDA, and Jumbo — overlaps directly with De Young's products and California geography but at far greater scale and with proprietary technology.
- Caliber Home Loans: Large national mortgage lender offering retail, wholesale, and correspondent channels across a full suite of agency and government products — directly comparable in product mix to De Young but with materially larger balance sheet and scale.
- United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender that works through independent brokers — competes with De Young for broker channel relevance and sets the technology and pricing benchmark that De Young's broker model must match.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
De Young Mortgage social profiles
Digital presenceDe Young Mortgage financial estimates
Financial estimateRevenue estimate
Valuation estimate
De Young Mortgage leadership team
Management profileNumber of profiles
Profiles3 records
De Young Mortgage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
De Young Mortgage M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about De Young Mortgage
What does De Young Mortgage do?
De Young Mortgage is a residential mortgage brokerage that originates and arranges home loans for individual consumers, including Conventional, FHA, VA, USDA, Jumbo, and NON-QM loans for home purchases, refinancing, new construction, and investment properties. The firm serves as a one-stop financing resource for homebuyers and homeowners in California's Central Valley (Fresno, Clovis, and Madera), operating as a licensed California Real Estate Broker (license #01926671) and NMLS-licensed mortgage broker (#1026010). It earns origination fees by facilitating loans between borrowers and lending partners, with loan officers providing personalized consultations and digital tools for online pre-qualification and applications.
Is De Young Mortgage a public or private company?
De Young Mortgage is a private company. It is classified as family owned and is currently operating.
When was De Young Mortgage founded?
De Young Mortgage was founded in 2012. It employs 1 to 10 people.
Where is De Young Mortgage based?
De Young Mortgage is headquartered in Fresno, United States, in the North America region.
How does De Young Mortgage make money?
One revenue line is on record: mortgage Origination Fees.
Who are De Young Mortgage's main competitors?
Direct peers on record are Paramount Residential Mortgage Group (PRMG), Homebridge Financial Services, American Pacific Mortgage, Fairway Independent Mortgage and Guild Mortgage. Broad incumbents are NewRez, Rocket Mortgage, loanDepot, Caliber Home Loans and United Wholesale Mortgage (UWM).
Does De Young Mortgage have an API?
No public API is recorded for De Young Mortgage.
What industry is De Young Mortgage in?
De Young Mortgage's product category is Residential Mortgage Brokerage. Its primary akta.pro industry code is FSALAAAM, Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination, with a secondary code of FSAEAMAA, Mortgage & Loan Introducers (Residential & Commercial). Its NAICS code is 522310 and its SIC code is 6162.