What Stonebridge Mortgage Group does

Stonebridge Mortgage Group Inc. is an independent mortgage brokerage headquartered in Gresham, Oregon, licensed to operate in Oregon and Washington under NMLS 42102. The firm is principally operated by founder David H. Steinbrugge (NMLS 98246), supported by a small team of approximately three to five loan officers including Carlie Clemens, Joseph, and Lee Gomez. The company does not operate a proprietary technology platform; it relies on lender-side platforms and standard mortgage processing infrastructure, with customer acquisition occurring through an online application portal (zipforhome.com), phone consultations, in-person meetings, and real estate agent referrals.

The product portfolio spans residential purchase and refinance mortgages, reverse mortgages for homeowners aged 62 and older, Non-QM products for self-employed borrowers and investors (including DSCR loans), and commercial mortgage brokerage across multifamily, mixed-use, retail, office, and industrial properties. Marketing is content-driven via an educational blog covering construction-to-permanent loans, assumable mortgages, title insurance, HELOCs, and first-time buyer guidance, supplemented by Google review reputation management, BBB accreditation, and the founder's LinkedIn presence.

The business model is transaction-fee based: Stonebridge earns origination commissions and yield-spread premiums from multiple wholesale lenders for each closed loan, with free pre-approvals offered as a zero-friction acquisition mechanism. Customer segments are diversified across residential homebuyers (primary), senior reverse-mortgage candidates, real estate investors, and commercial property buyers, with no single anchor customer. The firm carries no institutional investment and operates as an entirely founder-owned entity.

Name

Stonebridge Mortgage Group

Legal name

Stonebridge Mortgage Group Inc.

Website

https://stone-bridge.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Stonebridge Mortgage Group Inc. is an independent, founder-owned mortgage brokerage in Gresham, Oregon, serving residential buyers, seniors, investors, and commercial clients across Oregon and Washington via a small team of loan officers.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Reverse Mortgage Brokerage (FSAEAEAE), Construction-to-Perm & Renovation Loan Brokers (FSALABAF)

Keywords

• Mortgage brokerage services
• Residential mortgage lending
• Reverse mortgage financing
• Non-QM loan products
• Pacific Northwest mortgage broker

Headquarters

HQ city

Gresham

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, Others

Revenue model

1. Mortgage Origination/Brokerage Commissions: Stonebridge Mortgage Group earns origination fees and commissions from lenders for placing loans. Fees may be built into the loan interest rate or charged as origination fees. As an independent broker, they work with multiple lenders to find competitive rates for borrowers, earning a spread or fee from each successful loan closed.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Stonebridge Mortgage Group is an independent mortgage broker connecting residential and commercial borrowers in Oregon and Washington with appropriate lenders from its network. The company originates residential mortgages, reverse mortgages, non-QM products, real estate loans, and commercial mortgage brokerage services on behalf of borrowers, earning origination commissions from lenders. It offers free pre-approvals with no upfront fees and emphasizes personalized advocacy and education throughout the loan process.

Product overview

Stonebridge Mortgage Group is an independent mortgage broker offering a comprehensive suite of mortgage products and services in Oregon and Washington. The company operates as a broker rather than a direct lender, connecting borrowers with appropriate financing solutions across both residential and commercial real estate. The core product portfolio includes residential mortgages, real estate loans, reverse mortgages (for seniors 62+), mortgage broker services, loan officer consultation, non-QM mortgage products for non-traditional borrowers, free preapproval services, and commercial mortgage brokerage for various business property types.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgages Home financing services including purchase mortgages and refinancing for primary residences in Oregon and Washington, offered through the independent broker's network of multiple lenders.
• Reverse Mortgages Mortgage products for homeowners aged 62 and older allowing them to convert home equity into cash without monthly mortgage payments, delivered via a no-pressure educational approach.
• Real Estate Loans Financing solutions for refinancing or purchasing new homes, securing the right real estate loan for individual borrower situations through lender matching.
• Non-QM Mortgage Products Non-qualified mortgage products for borrowers who cannot meet traditional QM criteria, including bank statement loans, interest-only loans, and flexible credit guidelines for self-employed individuals, foreign nationals, and DSCR investor loans.
• Commercial Mortgage Broker Services Commercial financing services for various business property types including multifamily, mixed-use, retail, office, industrial, and specialized facilities, sourced through the broker's network of commercial lenders.
• Preapproval Services Free pre-qualification and preapproval services offered over the phone to help buyers understand their borrowing capacity before house hunting, with no upfront fees.

Quantifiable outcome

• 5-star average rating based on 43 Google reviews

Named customers5 records

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 indicators3 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Newfi Wholesale: Non-QM and wholesale lender specializing in non-prime, self-employed, and investor loan products. Comparable because Stonebridge's non-QM and DSCR offerings place loans with similar specialty lenders, and direct competition for non-QM broker-sourced volume is meaningful.
• Better.com: Digital-first mortgage lender using a fully online application and approval process. Relevant because it directly competes with relationship-driven local brokers for tech-savvy first-time buyers who may bypass traditional brokers.
• Deephaven Mortgage: Non-QM lender focused on investment property, DSCR, and self-employed borrower loans. Directly comparable to Stonebridge's specialty products for real estate investors and non-traditional income borrowers.
• Angel Oak Mortgage Solutions: Non-QM and jumbo mortgage lender offering bank statement, DSCR, and flexible guideline products. Comparable to Stonebridge's non-QM offerings as a non-bank financing counterpart for non-traditional borrowers.

Direct peers

• Guild Mortgage: Mid-size retail mortgage lender offering purchase, refinance, and government loan products with a regional branch footprint. Comparable as a relationship-driven mortgage provider competing for similar home purchase and refinance borrowers in regional markets.
• Homebridge Financial Services: Large retail and wholesale mortgage lender serving consumers and brokers nationwide. Comparable as an independent-channel competitor offering both retail and wholesale products, similar to Stonebridge's broker model.
• Cherry Creek Mortgage: Independent regional mortgage banker and broker with branch operations across the western U.S. Comparable as a similarly sized independent mortgage company competing for the same regional refi and purchase borrowers.

Broad incumbents

• loanDepot: Large national mortgage lender and direct-to-consumer originator offering retail, wholesale, and HELOC products. Comparable as a competing mortgage originator across residential and refinance segments, though far larger and retail/captive rather than independent broker.
• Rocket Mortgage: The largest U.S. retail mortgage lender, operating a digital-first direct-to-consumer model. Relevant because it competes for the same home purchase and refinance borrowers Stonebridge serves, and its technology and brand investment define the modern competitive baseline that small brokers must match.
• United Wholesale Mortgage (UWM): The largest U.S. wholesale mortgage lender, working through independent mortgage brokers. Comparable because Stonebridge submits loans to similar wholesale partners, and UWM's TPO channel dynamics directly influence independent broker economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/StonebridgeMortgageGroup
• LinkedInlinkedin.com/company/stonebridge-mortgage-group-inc.

Compliance3 records

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 Stonebridge Mortgage Group