Mirakel Mortgage Corp.

What Mirakel Mortgage Corp. does

Mirakel Mortgage Corp. is a privately held, founder-operated mortgage brokerage headquartered in the Clearwater, Florida area, serving individual residential buyers and commercial property investors in Pinellas and Hillsborough Counties. The firm originates purchase loans, refinances, and home equity loans for single and multi-family residences (including duplexes, mobile homes, condominiums, and townhomes) as well as commercial properties, and generates revenue through loan origination fees and interest income on closed mortgages. There is no proprietary technology platform; the digital surface consists of a GoDaddy-built website with a basic loan payment calculator and a web-based home loan application form that routes inquiries to President Eric Von Heal. Distribution is entirely direct-to-consumer via phone (727-409-4561), email, online application, and a mutual cross-promotional partnership with the related real estate brokerage Ocean Life Realty, Inc. Go-to-market is referral-led by Eric Von Heal personally, with the company explicitly stating that very little or no money is spent on advertising and that all business originates from repeat customers and referrals, framing the firm as a boutique, relationship-driven operation rather than a scaled origination platform.

Name

Mirakel Mortgage Corp.

Legal name

Mirakel Mortgage Corp.

Website

https://mirakelmortgagecorp.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Mirakel Mortgage Corp. is a privately held mortgage brokerage in Clearwater, Florida, offering residential and commercial mortgage products to individual buyers and property investors in Pinellas and Hillsborough Counties through a referral-driven, relationship-led model operated by President Eric Von Heal.

Ownership category

akta.pro rank

Product category

Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Mortgage origination
• Residential lending
• Commercial lending
• Mortgage brokerage
• Refinance loans

Headquarters

HQ city

Clearwater

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Lending: Mirakel Mortgage Corp. generates revenue through mortgage origination for residential (single and multi-family) and commercial properties. Revenue is earned through loan origination fees and interest income on closed mortgages. The company offers purchase, refinance, and home equity loan products.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Mirakel Mortgage Corp. is a licensed mortgage brokerage that originates residential mortgage loans (single and multi-family properties, duplexes, mobile homes, condominiums, and townhomes) and commercial mortgage loans for all commercial property types. Offerings include purchase loans, refinances, and home equity loans, delivered through direct personal service by President Eric Von Heal with quotes provided on a no-obligation basis after application review.

Product overview

Mirakel Mortgage Corp. operates as a mortgage lending firm offering two core product lines: residential mortgage lending (covering single and multi-family properties) and commercial mortgage lending (covering all commercial property types). These are complemented by an online Loan Calculator tool for payment estimation and a web-based Home Loan Application form that collects applicant, financial, and property information. The company is led by President Eric Von Heal, who has over 20 years of industry experience and operates primarily on referral business.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgage Lending Mortgage financing for single and multi-family residential properties, including purchase loans, refinances, and home equity products, for individual homeowners and buyers in the Clearwater, Florida area.
• Commercial Mortgage Lending Mortgage financing for all commercial property types, providing purchase loans and refinancing products for commercial property investors and businesses.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Ocean Life Realty, Inc.coreStrategic or Co-development PartnerOcean Life Realty is a related real estate services company sharing President Eric Von Heal. Eric uses both [email protected] and [email protected] email addresses. The mortgage company promotes Ocean Life Realty as a partner for all real estate needs, and vice versa, creating a complementary residential and commercial real estate service offering.

Scale indicators2 records

Recent moves1 record

Expansion highlights3 records

Direct peers

• PrimeLending: PrimeLending operates a national network of retail branches producing purchase and refinance mortgages, often through local market producers driven by referral networks. Mirakel's residential and purchase-focused Florida book overlaps PrimeLending's local branch activity in Pinellas and Hillsborough Counties.
• GUILD MORTGAGE: Guild Mortgage is a retail-focused lender operating branches across multiple U.S. states including Florida, producing purchase and refinance loans primarily through local relationship managers. Mirakel's referral-driven Tampa Bay operations compete for the same local residential mortgage demand.
• HomeBridge Financial Services: HomeBridge offers retail and wholesale mortgage origination across the U.S., with a strong broker and correspondent channel. Mirakel competes directly against HomeBridge producers for the same Florida residential purchase and refinance customers in the Tampa Bay region.
• Fairway Independent Mortgage Corporation: Fairway operates as a retail and wholesale mortgage lender with a relationship-driven model and field presence across the U.S. Although larger, it competes for the same referral-led, locally produced residential and refinance loans Mirakel originates in Florida.

Others

• NewRez (now part of Rocket): NewRez operates wholesale and retail mortgage channels and was acquired by Rocket Companies. As a wholesale partner, NewRez could be a lender Mirakel accesses for loan funding, making it a channel counterpart rather than a direct competitor.

Broad incumbents

• Rocket Mortgage: Rocket Mortgage is the largest U.S. retail mortgage originator, with heavy investment in digital marketing and direct-to-consumer lead generation. It competes with Mirakel for Florida residential purchase and refinance customers but at a vastly larger scale and through a technology-led channel.
• United Wholesale Mortgage: UWM is the largest U.S. wholesale mortgage lender, serving independent mortgage brokers. Mirakel competes against UWM-funded brokers operating in the Tampa Bay market and benefits from/pays into UWM's wholesale channel depending on its actual business model.
• loanDepot: loanDepot is a major national retail mortgage and refi lender with a sizeable Florida retail footprint. It competes for the same purchase and refi customers Mirakel serves in the Tampa Bay region, leveraging significant marketing spend and direct-to-consumer digital origination.
• Caliber Home Loans: Caliber is a sizeable U.S. mortgage originator operating retail, wholesale and correspondent channels, with an active Florida presence. Mirakel competes for the same residential purchase and refi demand, while Caliber also services loans which Mirakel does not.

Emerging players

• Better.com: Better.com is a digital-first mortgage lender pursuing a low-touch, fully online origination experience. It represents a direct competitive threat to small, relationship-driven brokerages like Mirakel as borrowers increasingly comparison-shop online before responding to local referrals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/mirakel-mortgage-corp

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Mirakel Mortgage Corp.