Our Mortgage Team - Nmls 645585

What Our Mortgage Team - Nmls 645585 does

Our Mortgage Team, LLC, operating as Credit Union Financial Services (CUFS), is a privately held Credit Union Service Organization (CUSO) established in 1983 and headquartered in Decatur, Georgia. The company originates and services mortgage loans on behalf of approximately 30 credit union partners (origination) and approximately 40 credit union partners (servicing), with credit union members as the end consumer. Service offerings include conventional purchase and refinance loans, government-backed FHA, VA, and USDA products, multiple ARM variants (5/5, 7/7, 10/10), and jumbo financing, delivered by a roster of individually licensed mortgage advisors operating primarily from Decatur and a Covington office.

The company's technology stack is composed of third-party mortgage processing platforms rather than proprietary systems: Calyx Software and Lending QB support loan origination and processing, while the eStatus portal (estatusconnect.com) handles borrower-facing account management and payment processing. No AI/ML capabilities, proprietary models, or differentiated technology assets are identified. The business model combines transaction-based origination fees on closed loans with recurring servicing fees on the managed portfolio, supplemented by partner-facing resources such as the CU Partners Marketing Toolkit. Distribution is B2B2C, with credit unions acting as referral partners channeling members to the CUSO's advisors.

Operating geographies are concentrated in Georgia and the broader Southeast US, and the company is regulated under NMLS#645585 and Georgia Residential Mortgage Licensee #32551. The management team shows deep tenure, with multiple advisors carrying 20–30 years of mortgage industry experience, and the operation has been stable since founding with no disclosed acquisitions, funding events, leadership turnovers, or restructuring actions in the source data.

Name

Our Mortgage Team - Nmls 645585

Legal name

Our Mortgage Team, LLC

Website

https://ourmortgageteam.org

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

Our Mortgage Team (operating as Credit Union Financial Services/CUFS) is a Georgia-based Credit Union Service Organization established in 1983 that originates and services mortgage loans for approximately 40 partner credit unions across the Southeast US.

Ownership category

akta.pro rank

Product category

Mortgage Lending & Servicing

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage origination
• Mortgage servicing
• Credit union lending
• CUSO services
• Residential mortgage loans

Headquarters

HQ city

Decatur

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination: Originates mortgage loans for credit union members, generating revenue through origination fees on new loan closings. Serves approximately 30 credit unions for origination.
2. Mortgage Servicing: Services existing mortgages for approximately 40 credit unions, generating revenue through servicing fees on the managed loan portfolio.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Our Mortgage Team, LLC, operating as a Credit Union Service Organization (CUSO), provides outsourced mortgage origination and mortgage servicing solutions to credit unions nationwide. The company originates residential mortgage loans (Conventional, ARM, FHA, VA, USDA, Jumbo) on behalf of partner credit unions and services loan portfolios for approximately 40 credit unions. It also offers supporting technology tools such as the eStatus loan-status portal, online mortgage calculators, and the CU Partners Marketing Toolkit for credit union partners.

Product overview

Our Mortgage Team operates as a Credit Union Service Organization (CUSO) providing mortgage lending services through a portfolio of loan products. The company offers conventional purchase and refinance loans, adjustable-rate mortgages (5/5, 7/7, 10/10 ARM), and government-backed products including FHA, VA, and USDA loans, plus jumbo financing. Services are delivered via Licensed Mortgage Advisors to credit union members, with additional tools including an online account management portal (eStatus) and mortgage calculators. The company also provides a marketing toolkit for credit union partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Origination Services
• Mortgage Servicing Services
• Online Mortgage Calculators
• eStatus Loan Status Portal
• CU Partners Marketing Toolkit

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Credit Union Partners (Servicing)coreChannel Partner/ Reseller/ DistributorApproximately 40 credit unions partner with Our Mortgage Team/Credit Union Financial Services for mortgage servicing. The company manages the servicing operations including loss mitigation, compliance (RESPA, CFPB), and reporting for these credit union partners.
• Credit Union Partners (Origination)coreChannel Partner/ Reseller/ DistributorApproximately 30 credit unions partner with Our Mortgage Team for mortgage origination, referring their members for home purchase loans, refinances, and other mortgage products originated through the CUSO.
• Credit Union Financial Services (CUFS)coreOthersCUFS is the parent company and operating entity for Our Mortgage Team. Established in 1983 as one of the original Credit Union Service Organizations (CUSOs). CUFS handles mortgage servicing and origination operations.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Members Mortgage Services: Members Mortgage Services is a CUSO-style mortgage originator and servicer serving credit unions. Highly comparable as a peer CUSO operating in the same credit union mortgage origination and servicing channel with similar B2B2C distribution model.
• LenderLive Network: LenderLive provides outsourced mortgage origination, processing, and closing services to credit unions and community banks. Comparable as a direct peer offering mortgage fulfillment services to the credit union channel with overlapping loan product offerings.
• CUSO Financial Services: CUSO Financial Services (CUNA Brokerage Services subsidiary) provides investment and insurance services to credit unions. Comparable as a CUSO-owned entity serving the credit union market, though focused on wealth services rather than mortgage lending.
• Allied Solutions: Allied Solutions provides lending, insurance, and marketing services to credit unions and banks. Comparable as a direct sales and services provider embedded in credit union lending operations, with overlapping distribution model targeting the same credit union channel.

Others

• Calyx Software: Calyx Software provides loan origination software (LOS) used by mortgage lenders, including Our Mortgage Team. Comparable as a technology infrastructure provider whose platform the company depends on; represents an enabling vendor in the same mortgage ecosystem rather than a competitor.
• SchoolsFirst Federal Credit Union: SchoolsFirst FCU operates an in-house mortgage origination and servicing operation serving its members. Comparable as a credit union that vertically integrated mortgage services — represents both a potential partner and a competitive risk versus the CUSO model Our Mortgage Team operates.
• Bethpage Federal Credit Union: Bethpage FCU is a large credit union that operates its own mortgage origination and servicing platform. Comparable as a credit union running a mortgage operation — both a potential CUSO partner and a model of vertical integration Our Mortgage Team competes against.

Broad incumbents

• TruStage (formerly CUNA Mutual): TruStage is the legacy CUNA Mutual Group entity serving credit unions across multiple product lines including lending, insurance, and investment services. Comparable as a major CUSO-aligned provider touching credit union mortgage operations at scale, though far broader in scope than Our Mortgage Team's mortgage-focused offering.
• Velera (formerly CO-OP Financial Services): Velera is a large CUSO providing payments, lending, and digital services to credit unions nationwide. Comparable as a fellow CUSO operating in the credit union channel, though Velera's focus is broader (core processing, payments) with mortgage as one of many offerings.
• PSCU: PSCU is a CUSO providing credit, debit, and lending services to credit unions. Comparable as a CUSO serving the credit union ecosystem with overlapping lending capabilities, though primarily focused on card services rather than mortgage origination/servicing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutu.be/5Q5_4aCrjEI
• Facebookfacebook.com/CUFSLLC
• LinkedInlinkedin.com/company/credit-union-financial-services-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Our Mortgage Team - Nmls 645585