What Mortgage Right does

MortgageRight is a direct mortgage lender operating as a consumer-facing brand under TJC Mortgage, Inc. (NMLS ID #2239), a Birmingham, Alabama-based private lending company founded in 2009. The company originates purchase and refinance mortgage loans for individual homebuyers and homeowners, with stated operations concentrated in Washington State (via its Seattle/Puyallup branch), Arizona, California, and additional branches in Florida (Punta Gorda, SRQ). Its customer base spans first-time homebuyers (primary segment), homeowners seeking refinance, lower-credit borrowers, high-value home buyers seeking jumbo financing, and community heroes such as veterans and first responders targeted through a dedicated Hero Discount program. The company is veteran-owned and operated.

The product suite covers Conventional, FHA, USDA, VA, Jumbo (up to $2M), and Reverse Mortgage purchase loans, alongside FHA, Conventional, VA, No-PMI, and Cash-Out refinance options. MortgageRight runs a digital application platform powered by Ellie Mae (a third-party loan origination system) that supports consumer self-serve applications with pre-approval promised in as little as 48 hours. Distribution is hybrid: customers can apply online, work with branch-based loan officers (e.g., Steven Konwent, Branch Manager in Puyallup, WA; Reagan Denson, Loan Officer), or visit physical branches. The company supplements lending with educational content (First-Time Homebuyer Guide, Moving Tips Guide, Credit Repair Kit) and a referral program.

Revenue is generated transactionally through mortgage origination fees and interest rate spreads on closed loans; pricing is not publicly disclosed and is quoted per applicant. Go-to-market is sales-led, leveraging direct-lender economics (no broker intermediaries), localized branch presence, and digital marketing across Google, Facebook, Zillow lender profile, and organic search. The company holds NMLS branch license #1979792, Arizona license #1008774, and California Residential Mortgage Lending Act licensure, operates as an Equal Housing Opportunity lender, and remains privately held with no disclosed venture or private equity backing.

Name

Mortgage Right

Legal name

TJC Mortgage, Inc. dba MortgageRight

Website

https://seattle.mortgageright.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

MortgageRight is a privately held direct mortgage lender under TJC Mortgage, Inc., originating purchase and refinance home loans for individual consumers through an Ellie Mae-powered digital platform and multiple branch locations across Washington State, Arizona, California, and Florida.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

akta.pro secondary industries

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA)

Keywords

• Residential mortgage lending
• Mortgage refinancing
• Home purchase loans
• VA mortgage loans
• Direct mortgage lender

Headquarters

HQ city

Puyallup

HQ country

United States

HQ region

North America

Offices2 records

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: The company generates revenue through originating mortgage loans for home purchases and refinances. Revenue comes from origination fees and interest rate spreads on closed mortgage loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

MortgageRight is a direct residential mortgage lender that originates home purchase loans (Conventional, FHA, USDA, VA, Jumbo, and Reverse Mortgage) and refinance loans for individual homebuyers and homeowners. Operating under TJC Mortgage, Inc. (NMLS ID 2239) with branch locations nationwide and a corporate office in Birmingham, AL, the company delivers pre-approval in as little as 48 hours via a digital application platform powered by Ellie Mae, supplemented by personalized loan officer assistance.

Product overview

MortgageRight operates as a direct lender offering a unified platform for mortgage financing. The core products include Purchase Loans (Conventional, FHA, USDA, VA, Jumbo, and Reverse Mortgage options) and Refinance Loans (including FHA Refinance, Conventional Refinance, VA Refinance, and Cash-Out options). The portfolio includes the Hero Discount Program offering $1000 closing cost credits for community heroes, and supplementary educational resources including the First-Time Homebuyer Guide, Credit Repair Guide, and Moving Tips Guide. All services are accessible through their 'Lending as it should be' online platform powered by Ellie Mae, with branches nationwide operating under TJC Mortgage, Inc.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Loans Mortgage loan products for homebuyers including Conventional, FHA, USDA, VA, Jumbo, and Reverse Mortgage options with various terms and down payment requirements. Targeted at individual consumers purchasing a primary residence, second home, or investment property.

Quantifiable outcome

• Pre-approval in as little as 48 hours through streamlined application process

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• United Wholesale Mortgage (UWM): Largest U.S. mortgage lender overall (wholesale-focused) and increasingly moving into retail. Comparable Conventional/FHA/VA/Jumbo product breadth and aggressive pricing/technology narrative.
• NewRez (New Residential Mortgage): National direct-to-consumer and retail mortgage lender offering Conventional, FHA, VA, USDA, and Jumbo products plus a strong refinance and cash-out franchise. Comparable consumer-direct origination.
• Rocket Mortgage (Rocket Homes / Quicken Loans): Largest U.S. retail mortgage lender, offering a fully digital application experience with pre-approval in minutes across the same product suite as MortgageRight. Sets the consumer-direct benchmark MortgageRight competes against.
• loanDepot: Large national mortgage originator (retail, wholesale, and consumer direct channels) offering Conventional, FHA, VA, USDA, and Jumbo products. Comparable product set and consumer-direct channel overlapping with MortgageRight's positioning.

Direct peers

• PrimeLending: PlainsCapital subsidiary operating a retail branch network offering purchase and refinance mortgages (Conventional, FHA, VA, USDA, Jumbo). Comparable direct lender, branch-led model serving similar first-time and move-up buyer segments.
• Fairway Independent Mortgage Corporation: Branch-based retail direct lender with a multi-state footprint and heavy emphasis on purchase loans across Conventional, FHA, VA, USDA, and Jumbo products. Highly comparable operating model to MortgageRight's retail branch strategy.
• Guild Mortgage Company: Retail-focused direct mortgage lender with nationwide branch presence, FHA/VA/USDA specialization, and a strong first-time homebuyer focus. Direct competitor in branch-based retail origination against MortgageRight.
• Movement Mortgage: Retail direct lender operating a multi-state branch network with strong purchase-loan emphasis and a similar missionary-style community-impact brand story. Closely comparable operating model.

Peers

• Caliber Home Loans:

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mortgage-right

Compliance5 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 Mortgage Right