Mor Investments Llc

What Mor Investments Llc does

MOR Investments LLC is a Tampa, Florida-based mortgage brokerage founded in 2021 that originates residential and commercial loans across Florida, Texas, and Georgia. The company operates as a one-stop shop offering 18+ loan products spanning Conventional, FHA, VA, USDA, Jumbo, and Non-QM categories (Bank Statement, DSCR, P&L, ITIN, 1099, Foreign National), as well as commercial loans, fix-and-flip financing, construction/renovation loans, HELOCs, and refinancing. Its customer base spans first-time homebuyers, self-employed borrowers, real estate investors, military veterans, and foreign nationals, served by a bilingual (English/Spanish) team led by broker/owner Michel Ortega.

The company runs a sales-led, loan-officer-driven go-to-market supplemented by direct-to-consumer digital channels including a Calendly booking system for free 15-minute consultations, free pre-approval letter requests, a digital application platform (my1003app.com), and a mortgage calculator mobile app on iOS. In-house processing and pre-underwriting enable direct client support without third-party intermediaries. Marketing is conducted through the company website, Instagram (@morinvestments), realtor referral networks, BBB accreditation signaling, and PR/events managed by a dedicated Marketing Manager.

Revenue is generated transactionally through commissions on originated mortgages, with loan officers earning up to 200 basis points plus production-based year-end bonuses. The firm accesses 10+ vetted wholesale partners for product delivery, holds NMLS licensing (ID: 2257980), and reports an operational metric of 14-day average contract-to-close time, positioning speed as a key service differentiator versus larger institutional lenders.

Name

Mor Investments Llc

Legal name

MOR Investments LLC

Website

https://morinvestmentsllc.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

MOR Investments LLC is a Tampa-based mortgage brokerage licensed in Florida, Texas, and Georgia, originating residential and commercial loans through a bilingual team of loan originators with in-house processing and 14-day average closings.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Mortgage brokerage services
• Residential loan origination
• Commercial real estate lending
• Home refinancing solutions
• Mortgage loan programs

Headquarters

HQ city

Tampa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Loan Origination Commission: Company earns commission on mortgages originated through its network of loan officers. Commission-based pay structure for loan originators with competitive compensation up to 200 basis points. Year-end bonus compensation based on production.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

MOR Investments LLC is a Tampa-based mortgage brokerage that originates residential and commercial loans on behalf of borrowers, sourcing capital from 10+ wholesale lender partners. The firm offers FHA, VA, USDA, Conventional, Jumbo, Non-QM (Bank Statement, DSCR, P&L, ITIN, 1099), Foreign National, Commercial, Fix-and-Flip, Construction/Renovation, HELOC, and refinancing programs. It supports clients through in-house loan processing and pre-underwriting, a mobile mortgage calculator app, and bilingual (English/Spanish) loan officers licensed in Florida, Texas, and Georgia.

Product overview

MOR Investments LLC is a mortgage brokerage offering a comprehensive suite of loan products and services. The company operates as a one-stop shop for mortgage financing, providing Conventional Loans, FHA Loans, VA Loans, USDA Loans, Jumbo Loans, and Non-QM products (including Bank Statements, DSCR/Cash Flow Investor, P&L, ITIN, 1099, Foreign Nationals, and Construction/Renovation loans). Commercial lending products include Commercial Loans, Fix and Flip Programs, and Investment Solutions. The company also offers HELOC and Refinancing services, along with support services including Free Consultation, Free Pre-Approval Letters, and a mobile mortgage calculator app. Licensed in Florida, Texas, and Georgia, the company serves first-time homebuyers, investors, self-employed borrowers, and commercial clients through in-house processing and a team of bilingual loan officers.

Differentiator

Problem solved

Functional benefit

Products and services

• FHA Loans Government-insured mortgages allowing individuals who may not qualify for conventional mortgages to obtain financing, with 580 minimum credit score (500 with 10% down). Designed for first-time and lower-credit buyers seeking accessible homeownership financing.
• VA Loans Military veteran home loans with zero down payment, no mortgage insurance, and 600 minimum credit score, providing favorable terms to veterans purchasing homes.
• USDA Loans Rural development home loans guaranteed by the U.S. Department of Agriculture for low- or moderate-income individuals and families, featuring zero down payment and 640 minimum credit score.
• Conventional Loans Standard mortgage loans not insured or guaranteed by government entities, offered by private lenders through MOR's wholesale partner network.
• Jumbo Loans Mortgages exceeding Federal Housing Finance Agency (FHFA) loan limits for higher-value properties.
• HomeReady, HomePossible & HomeOne Programs First-time homebuyer programs with minimum credit score of 620 and income limits up to $58,160 (HomeOne has no income limits), designed to expand access to affordable homeownership.
• Non-QM / Bank Statement Loans Alternative qualification mortgages for small business owners and entrepreneurs using bank statements for income verification, with 600 minimum credit score.
• P&L Loans Self-employed borrower loans using profit and loss reports for income qualification, starting at 10% down payment with 620 minimum credit score.
• 1099 Loans Loans for self-employed 1099 earners who cannot qualify for standard documentation mortgages.
• ITIN Loans Mortgages for borrowers using Individual Taxpayer Identification Number (ITIN) instead of Social Security numbers.
• Foreign National Loans Mortgage products for foreign nationals wanting to purchase or refinance U.S. property with 30% down payment.
• Cash Flow Investor / DSCR Loans Investment property loans qualifying based on rental property cash flow analysis without requiring personal income, with 640 minimum credit score.
• Fix and Flip Program Short-term financing for real estate investors to purchase and renovate properties for resale profit.
• Investor Solutions Program Investment property loans for buyers seeking to earn rental income from real estate.
• Construction and Renovation Loans Financing for purchasing new homes combined with construction or renovation costs.
• Residential Land Lots Financing Financing for purchasing residential land plots for home construction.
• 1 Year Tax Returns Program Loan qualification using only one year of income documents for both self-employed and salaried borrowers; first-time homebuyers allowed.
• Commercial Loans Commercial property financing for multifamily, mixed-use, office space, light industrial, mobile home parks, self-storage, warehouse, or retail space.
• HELOC and Refinancing Home equity lines of credit and mortgage refinancing options for existing homeowners seeking rate optimization or equity access.
• Free 15-Minute Mortgage Consultation Complimentary 15-minute consultations with loan officers to discuss home buying, refinancing, or loan options, available in English and Spanish via Calendly booking.
• Free Pre-Approval Letter Complimentary pre-approval letter to determine buying power for prospective homebuyers, available through website booking.
• MOR Investments Mobile Mortgage Calculator App Mobile application available on the Apple App Store for mortgage calculations and financial planning.

Quantifiable outcome

• 14-day average closing time (CTC)
• +1 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• loanDepot: Large national mortgage lender and servicer offering retail and wholesale channels across all 50 states; competes broadly with MOR but at vastly larger scale with much greater product breadth.
• Rocket Mortgage: Largest US mortgage lender with strong digital brand and national direct-to-consumer origination; operates in same space as MOR but at vastly larger scale with primarily digital rather than broker-led distribution.
• NewRez: Top-15 US mortgage lender and servicer with retail, wholesale, and correspondent channels offering a similar product suite; broader market overlap but much larger scale and balance sheet.

Emerging players

• Tomo: Tech-enabled mortgage platform focused on home-buying experience integration; partial overlap with MOR's purchase-focused originations but uses an embedded fintech model rather than a local broker network.
• Better.com: Digital-first mortgage lender offering streamlined online experience with competitive direct pricing; competes for the same borrower segments but uses a fully digital, no-broker model versus MOR's relationship-driven approach.

Direct peers

• Equity Prime Mortgage: Atlanta-based regional mortgage lender with similar southeastern footprint, retail origination across residential and commercial products, and comparable size to MOR.
• Cardinal Financial Company: Retail mortgage lender with comparable product mix (Conventional, FHA, VA, USDA, Jumbo) and multi-state operations. Highly comparable to MOR in scale, product breadth, and relationship-driven retail origination model.
• Paramount Residential Mortgage Group: Retail and wholesale mortgage lender with broad product suite including conventional, government, and specialty products; comparable in operating model, product mix, and multi-state presence to MOR.
• Embrace Home Loans: Regional retail mortgage lender with strong emphasis on government (VA, FHA) and specialty/portfolio products including non-QM offerings - directly comparable to MOR's non-QM and government loan specialization.
• Nova Home Loans: Retail mortgage lender with multi-state operations focused on purchase and refinance, serving first-time homebuyer and government loan segments comparable to MOR's core residential offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/MORInvestments

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 Mor Investments Llc