Licensed Mortgage Professional NMLS 1458221 Corp 2239

What Licensed Mortgage Professional NMLS 1458221 Corp 2239 does

MortgageRight Chandler is a single branch (NMLS # 1979229) of TJC Mortgage, Inc. (NMLS # 2239), a privately held direct mortgage lender headquartered in Birmingham, Alabama. The branch operates under the MortgageRight brand from 3195 South Price Rd, Chandler, AZ, led by Manager Joel Brown, and is part of a network described as "nationwide" through licensed branch locations. The Chandler branch itself has approximately 9 employees and is licensed to originate residential mortgages in five states: Arizona, Colorado, Oregon, Texas, and Washington.

The company offers a standard residential mortgage product set including purchase loans (Conventional, FHA, USDA, VA, Jumbo, and Reverse Mortgage) and refinance loans (rate/term, cash-out, FHA, Conventional, VA streamline/IRRRL, and No-PMI). The technology stack is non-proprietary: loan applications run on Ellie Mae's Encompass platform, and a free mortgage calculator is integrated from MLCalc. Distribution combines local loan officer relationships at the branch with online channels (company website, Zillow lender profile, Facebook, Google). Lead generation relies on free educational content (First-Time Homebuyer Guide, Credit Repair Kit, Moving Tips Guide) distributed via website forms.

The business model is direct-to-consumer mortgage origination: revenue derives from transaction-based origination fees at closing, with rates quoted individually based on borrower credit, debt-to-income, and market conditions. There is no public rate sheet, no disclosed revenue figures, no funding rounds, and no equity investor involvement indicated. Pricing is marketed as "low rates, no points, no hidden fees" but actual terms are determined per borrower. The entity holds Arizona Company License # 1008774 and Equal Housing Lender designation, and operates as a direct lender without broker intermediaries.

Name

Licensed Mortgage Professional NMLS 1458221 Corp 2239

Legal name

TJC Mortgage, Inc.

Website

https://chandler.mortgageright.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

MortgageRight Chandler is a branch of TJC Mortgage, Inc. (NMLS # 2239), a direct residential mortgage lender operating in five states (AZ, CO, OR, TX, WA) and offering purchase and refinance loans to individual homebuyers and homeowners via local loan officers and an Ellie Mae-powered online application platform.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Cash-Out Refinance Origination (FSALAAAF), Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA)

Keywords

• Mortgage lending
• Home purchase financing
• Refinance loans
• Direct lender
• Residential mortgages

Headquarters

HQ city

Chandler

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination: MortgageRight originates mortgage loans (purchase and refinance) directly to consumers. Revenue is generated through origination fees charged at closing and interest income on financed loans. As a direct lender powered by TJC Mortgage, Inc., the company approves and finances loans without using brokers as intermediaries.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

MortgageRight is a direct mortgage lender offering home purchase and refinance loans to individual consumers. The company provides multiple loan program types including Conventional, FHA, USDA, VA, Jumbo, and Reverse Mortgage products, operating through licensed branch locations and an online application platform powered by Ellie Mae. Revenue is generated through origination fees at closing and interest income on financed loans.

Product overview

MortgageRight is a direct mortgage lender offering a comprehensive suite of home financing products and services. The core offerings consist of Purchase Loans and Refinance Loans, supported by multiple loan program types (Conventional, FHA, USDA, VA, Jumbo, and Reverse Mortgage). Educational resources including First-Time Homebuyer Guide, Moving Tips Guide, and Credit Repair Guide are provided as complementary add-on services. The company operates through TJC Mortgage, Inc. (NMLS # 2239) with branch locations nationwide, using Ellie Mae's platform for secure loan applications. Licensed in Arizona, Colorado, Oregon, Texas, and Washington.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Loans Mortgage financing for homebuyers purchasing a new home, offering multiple loan programs including Conventional (3% down), FHA (3.5% down), USDA (no down payment), VA (100% financing), Jumbo (up to $2 million), and Reverse Mortgage options for individuals and families purchasing residential properties.
• Refinance Loans Mortgage refinancing services including rate/term refinance, cash-out refinance, FHA Refinance, Conventional Refinance, VA Refinance (including IRRRL streamline), and No PMI Refinance options for existing homeowners seeking to lower interest rates, change loan terms, or access home equity.
• Conventional Mortgage Loans Standard mortgage loans not insured by government agencies, requiring minimum 3% down payment with fixed and adjustable rate options spanning 10-40 year terms, available for primary residences, second homes, and investment properties.
• FHA Mortgage Loans Government-backed loans ideal for first-time buyers with lower credit scores, featuring 3.5% minimum down payment and easier income/credit requirements.
• USDA Mortgage Loan Zero down payment mortgage for homes in USDA-defined rural areas with flexible credit guidelines, below-market interest rates, and seller-paid closing costs option.
• VA Mortgage Loan Military benefit program allowing eligible veterans and active service members to borrow up to 100% with no money down and no mortgage insurance requirement.
• Jumbo Mortgage Loan Financing for high-priced and luxury homes up to $2 million with flexible 5% down payment, available for primary residences, second homes, and investment properties.
• Reverse Mortgage Loan Home equity conversion product allowing homeowners aged 62 and older to receive funds while remaining in their home without making monthly mortgage payments.

Quantifiable outcome

• Pre-approval in as little as 48 hours
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

One partnership is on record.

• TJC Mortgage, Inc.coreOEM/ Whitelabel/ Licensing PartnerMortgageRight is the dba (doing business as) brand for TJC Mortgage, Inc. (NMLS ID # 2239). TJC Mortgage operates the MortgageRight brand nationwide through licensed branch locations. The corporate infrastructure and lending platform are provided by TJC Mortgage.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• Guild Mortgage: Retail-direct mortgage lender with branch network across multiple states offering purchase, refinance, FHA, VA, USDA, and reverse mortgage products. Comparable business model, product breadth, and target customer segments.
• Planet Home Lending: Mid-sized retail and wholesale mortgage lender offering purchase and refinance loans including specialty products. Comparable multi-channel direct lender focused on similar borrower segments with branch-style distribution.
• CrossCountry Mortgage: Mid-sized retail-direct mortgage lender with branch-based model and similar full product menu including Conventional, FHA, VA, USDA, Jumbo, and Reverse. Closely comparable as a multi-branch regional direct lender competing for similar retail purchase and refinance borrowers.
• Fairway Independent Mortgage Corporation: Retail branch-based mortgage lender operating nationwide with full product menu (Conventional, FHA, VA, USDA, Jumbo, Reverse). Closely comparable multi-branch retail model serving similar homebuyers and refinancers.

Broad incumbents

• NewRez (Rithm Capital): Top-15 US mortgage lender with retail, wholesale, and correspondent channels offering purchase and refinance products. Comparable scale and product breadth though more diversified across origination channels.
• loanDepot: Large multi-channel mortgage lender (retail, wholesale, consumer direct) offering purchase and refinance loans across all 50 states. Comparable product breadth (Conventional, FHA, VA, Jumbo, HELOC) and direct-to-consumer model.
• Caliber Home Loans: Mid-to-large direct mortgage lender offering purchase and refinance products with retail and wholesale channels. Comparable product offering and customer base, particularly for retail purchase loans.
• AmeriHome Mortgage (within DBA/Correspondent channel): Wholesale and correspondent mortgage lender (subsidiary of Arete Wealth) offering purchase and refinance products. Comparable as a TJC Mortgage platform peer servicing similar direct-lending infrastructure partners.
• Rocket Mortgage (Rocket Companies): Largest US direct mortgage lender and a leading fintech-enabled consumer mortgage brand. Comparable as a direct-to-consumer mortgage originator offering purchase and refinance across all 50 states with proprietary technology - the scaled incumbent that small direct lenders like MortgageRight compete against.
• United Wholesale Mortgage (UWM): Largest US mortgage lender overall, primarily wholesale but also offers retail. Comparable as a direct lender offering Conventional, FHA, VA, USDA, and Jumbo products with strong technology and broad geographic coverage - represents the scaled-player competitive backdrop.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/joel-r-brown

Compliance3 records

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 Licensed Mortgage Professional NMLS 1458221 Corp 2239