Michael Ryan Music
Michael Ryan & Associates is a sole-proprietor mortgage brokerage founded in 1989, operated by Michael Ryan from San Jose, CA. It originates commercial, residential, and investor loans ($500K to $20M+) by brokering borrowers to a network of banks, agencies, and private capital sources.
- Company typePrivate
- Founded1989
- HeadquartersSanta Clara, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Michael Ryan Music does
Michael Ryan & Associates is a privately held, sole-proprietor mortgage brokerage founded in 1989 and operated by Michael Ryan out of San Jose, California. The firm originates commercial and investment-property loans by acting as an intermediary between borrowers and a broad network of capital providers — direct lenders, Wall Street sources, banks, credit unions, insurance companies, agency lenders (including SBA programs), private investors, and family offices — earning transaction-based commissions on funded loans. Core products include commercial property financing (loan sizes of $500K to $20M+) with specialization in retail shopping centers and complex-lease structuring, investor loans for individuals and investor groups, residential lending, and a growing menu of adjacent products such as DSCR/No-Doc investment loans, Self-Directed IRA and SEP IRA financing, 1031 exchange financing, bridge loans, cross-collateral loans, reverse mortgages, and SBA loans (with limits noted to have doubled to $10 million as of July 2026).
The underlying technology stack is conventional for a brokerage of this size and era: loan origination is supported by lender network relationships rather than proprietary technology, and the firm's primary digital infrastructure consists of a WordPress-based website, Setmore online appointment scheduling, and a content-marketing presence across YouTube, Facebook, LinkedIn, and Yelp. There is no disclosed proprietary platform, AI/ML capability, or data asset; differentiation is positioned on Michael Ryan's 35+ years of commercial lending experience, his DRE (#01090891) and NMLS (# 295351) licensure, and a consultative, referral-driven sales motion anchored by a 30-minute initial consultation and ongoing annual reviews for investor clients.
The go-to-market model is consultative and sales-led, combining phone/email direct outreach, online booking, client referrals, and a sustained monthly thought-leadership publishing cadence (81+ newsletters) to generate inbound demand. Pricing is quote-based and not publicly disclosed, with revenue derived from loan brokerage commissions and industry-standard loan points (SBA loans noted as an exception). Customer segments are primarily retail shopping center investors and individual real estate investors, with secondary segments in small business owners and retirement-account investors; the firm's geographic reach has expanded from a California base to nationwide distribution via DSCR and Self-Directed IRA products.
Michael Ryan Music firmographics
Firmographics- Name
- Michael Ryan Music
- Legal name
- Michael Ryan
- Website
- https://michael-ryan.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Michael Ryan & Associates is a sole-proprietor mortgage brokerage founded in 1989, operated by Michael Ryan from San Jose, CA. It originates commercial, residential, and investor loans ($500K to $20M+) by brokering borrowers to a network of banks, agencies, and private capital sources.
- Ownership category
- akta.pro rank
Michael Ryan Music industry classification
Industry- Product category
- Mortgage Brokerage / Commercial Lending Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)
- akta.pro secondary industries
- Commercial & Multifamily Mortgage Brokers (FSALABAB), Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA), Commercial Mortgage Brokerage (FSAEAEAB)
Keywords
Where Michael Ryan Music is headquartered
LocationHeadquarters
- HQ city
- Santa Clara
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Michael Ryan Music business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D
Revenue model
- Loan Brokerage Commissions: Mortgage broker earning commissions from placing loans with lending partners. The company connects borrowers with tailored financing solutions and earns fees for successful loan closings.
- Loan Points and Fees: Industry-standard loan points charged on funded loans. SBA loans mentioned as exception to points.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Retail Shopping Center Loans: $500K to $20M+ |
| Transaction based/ take rate | Pay-as-you-go | Investor Loans: Individual and Group Investors |
| Transaction based/ take rate | Pay-as-you-go | DSCR Investment Loans: No income tax returns required |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
Michael Ryan Music product offering
Product offeringCore offering
Michael Ryan & Associates is a mortgage brokerage that connects individual investors, investor groups, and small business owners with tailored commercial and residential financing solutions through a network of lending partners. The firm brokers loans ranging from $500K to $20M+ for retail shopping centers, as well as residential, SBA, DSCR, Self-Directed IRA, 1031 exchange, bridge, cross collateral, reverse mortgage, and small business financing products, earning commissions and points on funded loans.
Product overview
Michael Ryan & Associates operates as a commercial property financing and mortgage brokerage firm offering a comprehensive suite of lending solutions. The core offerings center on commercial property financing (including retail shopping centers and investor loans ranging from $500K to $20M+), residential lending, and small business financing. The company provides specialized loan programs including SBA loans with up to $10 million in guarantees, DSCR/No-Doc investment loans requiring no income tax returns, Self-Directed IRA and SEP IRA property financing, 1031 tax-deferred exchange financing, bridge loans, and cross-collateral loans. The firm also offers reverse mortgage options for borrowers 55+. All programs are available nationwide with access to multiple lending partners including banks, credit unions, insurance companies, Wall Street lenders, and private capital sources.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Property Financing Tailored commercial real estate financing solutions for investors and small business owners, spanning retail shopping centers and multi-tenant properties with loan amounts ranging from $500K to $20M+. Provided to commercial property investors, retail shopping center owners, and small business owners through a multi-lender broker network.
- Retail Shopping Center Loans Specialized financing for retail shopping centers with expertise in complex leases, customized financing structures, and full loan process support for maximum ROI. Targeted at commercial property investors and retail shopping center owners.
- Investor Loans Tailored financing for individual investors and investor groups with strategic planning for wealth growth, annual reviews, and expert guidance on investments and financing. Targeted at individual real estate investors and investor groups.
- Residential Lending Primary home purchase and refinancing financing solutions spanning conventional through private capital options. Targeted at individual homebuyers and homeowners seeking refinance.
- SBA Loans
Quantifiable outcome
- Loan amounts from $500K to $20M+ for retail shopping centers
- +2 more outcomes
Companies that use Michael Ryan Music
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Michael Ryan Music technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Michael Ryan Music partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights4 records
Michael Ryan Music competitors and assessment
Company assessmentBroad incumbents
- LendingTree: Online marketplace connecting borrowers to multiple mortgage lenders; operates broker-style loan shopping. Comparable to Michael Ryan on the consumer-facing multi-lender match concept, though at massive scale.
- Rocket Mortgage (Rocket Pro TPO): Largest U.S. mortgage lender with a wholesale broker channel serving independent brokers. Comparable as a competitor-and-partner in Michael Ryan's wholesale lending network for residential and investor loans.
- JLL Capital Markets (Debt & Structured Finance): Investment-grade CRE intermediary arranging debt placement for institutional and middle-market borrowers. Comparable to Michael Ryan's commercial mortgage brokerage activity, particularly for larger retail and shopping-center deals.
- Walker & Dunlop: Large-scale commercial real estate finance platform originating multifamily, retail, and CRE debt. Comparable to Michael Ryan & Associates in offering brokered/arranged CRE financing across multiple lender sources, though much larger and institutionally owned.
- Newmark Group: Global commercial real estate services firm with a dedicated debt & structured finance capital markets practice arranging CRE loans. Comparable on the institutional side of Michael Ryan's lender-network intermediation model.
Direct peers
- Newfi Wholesale: Non-QM and investor-focused wholesale lender active in DSCR, business-purpose, and CRE loans. Comparable to Michael Ryan's investor-oriented financing suite and DSCR product positioning.
- Northmarq: Privately held commercial real estate mortgage banking firm placing debt through correspondent and capital markets relationships. Closely comparable to Michael Ryan's wholesale-brokerage model for commercial and multifamily property loans.
- C2 Financial Corporation: Retail mortgage broker network empowering individual loan officers to operate with multiple-lender access. Directly comparable to Michael Ryan's small-team mortgage brokerage business in product and distribution approach.
Emerging players
- Guidant Financial: Specialized small-business financing and SBA loan intermediary focused on entrepreneurs and small business owners. Comparable to Michael Ryan's SBA and small-business financing product offering.
- Kiavi (formerly Offerpad Ventures): Tech-enabled direct lender for residential and small-balance commercial real estate investors, including bridge and DSCR products. Adjacent peer showing the digital direction investor-loan brokerage is heading.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Michael Ryan Music social profiles
Digital presenceMichael Ryan Music compliance and trust
Trust signalCompliance2 records
Michael Ryan Music financial estimates
Financial estimateRevenue estimate
Valuation estimate
Michael Ryan Music leadership team
Management profileNumber of profiles
Profiles1 record
Michael Ryan Music funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Michael Ryan Music M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Michael Ryan Music
What does Michael Ryan Music do?
Michael Ryan & Associates is a mortgage brokerage that connects individual investors, investor groups, and small business owners with tailored commercial and residential financing solutions through a network of lending partners. The firm brokers loans ranging from $500K to $20M+ for retail shopping centers, as well as residential, SBA, DSCR, Self-Directed IRA, 1031 exchange, bridge, cross collateral, reverse mortgage, and small business financing products, earning commissions and points on funded loans.
Is Michael Ryan Music a public or private company?
Michael Ryan Music is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Michael Ryan Music founded?
Michael Ryan Music was founded in 1989. It employs 1 to 10 people.
Where is Michael Ryan Music based?
Michael Ryan Music is headquartered in Santa Clara, United States, in the North America region.
How does Michael Ryan Music make money?
Two revenue lines are on record. Loan Brokerage Commissions are the primary driver. The others are loan Points and Fees.
Who are Michael Ryan Music's main competitors?
Broad incumbents on record are LendingTree, Rocket Mortgage (Rocket Pro TPO), JLL Capital Markets (Debt & Structured Finance), Walker & Dunlop and Newmark Group. Direct peers are Newfi Wholesale, Northmarq and C2 Financial Corporation. Emerging players are Guidant Financial and Kiavi (formerly Offerpad Ventures).
Does Michael Ryan Music have an API?
No public API is recorded for Michael Ryan Music.
What industry is Michael Ryan Music in?
Michael Ryan Music's product category is Mortgage Brokerage / Commercial Lending Services. Its primary akta.pro industry code is BPAJABAK, Debt & Structured Finance / Mortgage Brokerage, with a secondary code of FSALABAB, Commercial & Multifamily Mortgage Brokers. Its NAICS code is 52231 and its SIC code is 6163.