Delarosa Financial Inc

What Delarosa Financial Inc does

Delarosa Financial Inc is a private boutique mortgage brokerage founded in 2022 and headquartered in Lansing, Michigan, with licensing to originate mortgage loans in California, Florida, South Carolina, and Michigan. The company operates under NMLS #2377717 (Individual NMLS #1603609, held by founder Ajay Delarosa) and functions as a broker intermediary, accessing dozens of lender partners to match borrowers with loan programs rather than lending on its own balance sheet. Its core offering centers on residential mortgage brokerage for primary home purchases, with specialization in non-standard scenarios including self-employed borrowers, real estate investors (DSCR financing), foreign nationals, ITIN holders, and high-income professionals (doctor loans, jumbo loans).

The company's product surface includes a digital pre-approval application built on the third-party my1003app platform (advertised 3-minute start and 24-hour pre-approval turnaround), an online mortgage calculator, and a dedicated real estate agent partnership program designed to drive referral volume through offer-strengthening pre-approvals and concierge service. Technology is not proprietary; the broker relies on standard industry tools and lender relationships rather than in-house platforms, AI, or data assets. Distribution combines direct-to-consumer website acquisition, phone/email consultations, and real estate agent referral partnerships.

Revenue is generated entirely through transaction-based origination fees paid by lenders on successfully closed loans, with no disclosed pricing, subscription, or recurring components. The firm operates with a 7-person team and no disclosed external funding, indicating an organically financed small-scale operation. Customer base is diversified across individual consumer segments rather than enterprise accounts, and brand positioning emphasizes white-glove service, 7-day VIP availability, and complex-scenario expertise as differentiators from large retail lenders and direct banks.

Name

Delarosa Financial Inc

Legal name

Delarosa Financial Inc

Website

https://delarosa-financial.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Delarosa Financial Inc is a private boutique mortgage brokerage founded in 2022, licensed in California, Florida, South Carolina, and Michigan. It matches borrowers with loan programs from dozens of lenders, specializing in complex scenarios such as self-employed, investor, ITIN, and jumbo loans.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

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

Wealth Lending & Credit Solutions (Lombard/Margin, Mortgages, Structured Credit) (FSAAABAG)

Keywords

• Mortgage brokerage services
• Residential loan origination
• Jumbo loan programs
• Real estate agent referrals
• Complex borrower financing

Headquarters

HQ city

Not disclosed

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 Fees: Traditional broker compensation model where Delarosa Financial earns origination fees from lenders for placing loans. As a mortgage broker, the company accesses dozens of lenders to match borrowers with optimal programs and rates, earning commission on successful loan closings.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Delarosa Financial Inc operates as a boutique mortgage brokerage that shops dozens of lender partners to originate residential loans for individual home buyers and real estate investor clients. Its core offering is mortgage origination advisory across conventional, jumbo, bank statement, DSCR investor, doctor, ITIN, and foreign national loan programs, delivered with 24-hour pre-approvals, upfront loan structuring, and white-glove, 7-day-a-week service. It is compensated via origination fees/commissions paid by the placing lender on closed loans.

Product overview

Delarosa Financial Inc operates as a boutique mortgage brokerage offering a unified mortgage advisory service. The core offering centers on mortgage brokerage services accessing dozens of lenders, supported by a digital pre-approval application (my1003app), a mortgage calculator tool, and an agent partnership program. The portfolio is designed for high-net-worth borrowers seeking luxury mortgages, with specialized programs for self-employed individuals, investors, foreign nationals, and doctors.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Brokerage Services Boutique mortgage advisory services offering access to dozens of lenders for conventional, jumbo, bank statement, DSCR investor financing, doctor loans, and complex custom loan scenarios for individual home buyers and real estate investors.
• Pre-Approval Application Online mortgage pre-approval platform (my1003app) enabling borrowers to start the application process, providing fully reviewed pre-approvals within 24 hours.
• Agent Partnership Program White-glove mortgage services for real estate agents including offer-strengthening pre-approvals, deal protection, and concierge service for referred clients.

Quantifiable outcome

• 24-hour pre-approval turnaround for most clients
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Rocket Pro TPO: Rocket Mortgage's wholesale broker channel. Comparable as a direct competitor to Delarosa within the third-party origination channel, competing for brokers' loan submissions and agent-driven purchase volume.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender serving the broker channel. Directly comparable because Delarosa operates in the same broker-mediated origination model that UWM supplies with loan products, competing for the same loan officers and agent referral relationships.
• Newfi Wholesale: Non-QM and wholesale mortgage lender. Comparable to Delarosa because it shares exposure to non-prime / complex-borrower segments (self-employed, investor) that Delarosa explicitly targets.
• Angel Oak Mortgage Solutions: Non-QM wholesale lender specializing in self-employed, investor, and complex-borrower products. Directly comparable to Delarosa's stated specialization in self-employed, DSCR investor, foreign national, and ITIN borrowers.
• PRMG (Paramount Residential Mortgage Group): Large retail and wholesale mortgage lender offering a wide product menu through loan officers. Comparable to Delarosa as a competing origination channel competing for similar borrower and agent relationships.
• C2 Financial Corporation: National mortgage broker network. Directly comparable because C2 Financial operates the same broker model — matching borrowers with multiple lenders for a fee — with multi-state coverage and a similar retail-style approach.
• Paramount Equity / Paramount Equity Mortgage: Boutique-to-mid-size mortgage broker with strong agent referral orientation. Comparable to Delarosa as a competing boutique broker competing for similar real estate agent referral partnerships and purchase-driven volume.
• loanDepot Wholesale: Wholesale mortgage division of loanDepot serving independent brokers. Comparable to Delarosa as a competing wholesale lender partner for the same broker-originated loan flow.

Emerging players

• Better.com: Digital-first mortgage lender with a streamlined online application. Comparable to Delarosa as a competing origination channel for tech-forward borrowers, though using a direct-lender model rather than a multi-lender broker approach.

Broad incumbents

• Rocket Mortgage: Largest U.S. direct (retail) mortgage lender. Comparable to Delarosa as the dominant incumbent competing for the same purchase-mortgage borrowers, though operating through a direct-to-consumer model rather than the broker channel.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/delarosa-financial-inc

Compliance2 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 Delarosa Financial Inc