Merita Capital Funding LLC

What Merita Capital Funding LLC does

Merita Capital Funding LLC is a privately-held, NJ-licensed mortgage brokerage headquartered in Great Neck, New York, operating as Merita Capital Group when serving New York clients. Founded in 2017 and operating with 1-10 employees, the company functions as an intermediary that arranges residential and commercial mortgage loans between borrowers and third-party lenders rather than as a direct originator. Its service is structured around a digital-first funnel — a website-hosted application that takes 7-10 minutes to complete — supported by mortgage calculators, a 300+ article blog, and Google Reviews prominently featuring its loan officer 'Jenna.' Product breadth spans the major US residential loan categories (FHA, VA, Conventional, Jumbo, USDA, Fixed, Adjustable Rate, Interest-Only, Graduated Payment) plus pre-qualification services and a secondary commercial loan brokerage line; all loans are arranged with third-party providers and none are retained on the firm's own balance sheet.

The company monetizes exclusively through transaction-based revenue: origination fees, broker commissions, and yield spread premiums earned on each closed loan it places with a lender in its network. Pricing is quote-based and not publicly disclosed, with rates locked only after application submission. GTM is concentrated in a digital, self-serve application flow with inside-sales follow-up via phone and email; marketing is built almost entirely on SEO and content. The firm serves individual homebuyers and a secondary segment of commercial clients nationwide, with geographic carve-outs that exclude originating New York State mortgage activity (handled instead under the Merita Capital Group DBA). The company holds NMLS #1756116 and is licensed by the New Jersey Department of Banking and Insurance.

Strategically, the firm competes as a low-overhead content-and-relationship brokerage rather than as a technology platform. There is no disclosed proprietary underwriting model, no AI-driven matching, and no institutional funding. Operational continuity is evidenced by ongoing blog publication (through 2026) and a recent stream of customer reviews, but the absence of disclosed headcount growth, revenue data, or capital raises makes it impossible to assess scale or trajectory from source material.

Name

Merita Capital Funding LLC

Legal name

Merita Capital Funding LLC

Website

https://capitalfundingllc.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Merita Capital Funding LLC is a private NJ-licensed mortgage broker in Great Neck, NY that arranges residential and commercial loans with third-party lenders nationwide, earning transaction-based origination fees through a digital application funnel.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage services
• Residential lending
• Commercial loan brokerage
• Home refinance services
• Loan program matching

Headquarters

HQ city

Great Neck

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 Origination/Brokerage Fees: Merita Capital Funding LLC operates as a registered mortgage broker. As stated: 'All mortgage loans arranged with third (3rd) party providers.' The company earns revenue by arranging mortgages between borrowers and lenders, typically through origination fees, broker commissions, or yield spread premiums from third-party lenders in their network.
2. Commercial Loan Brokerage: The company also arranges commercial loans: 'Merita Capital Funding is dedicated to assisting our clients across a full spectrum of industries with their business and personal lending needs.' Commercial loan activity is noted as not regulated by the Department of Financial Services.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Merita Capital Funding LLC operates as a registered mortgage broker that arranges residential and commercial mortgage loans between borrowers and third-party lenders. It matches clients with lenders from its network, runs a 7-10 minute digital application for pre-approval, and offers a broad menu of loan programs (FHA, VA, Conventional, USDA, Jumbo, Fixed Rate, ARM, Interest Only, Graduated Payment) plus commercial loan brokerage. The firm is licensed by the New Jersey Department of Banking and Insurance (NMLS #1756116) and operates as Merita Capital Group in New York.

Product overview

Merita Capital Funding LLC operates as a mortgage broker offering a comprehensive suite of residential and commercial mortgage products. The core offering consists of home purchase mortgages and home refinancing services, supported by a digital mortgage application platform. The company provides access to multiple loan programs including FHA Loans, Conventional Loans, Fixed Rate Mortgages, VA Loans, USDA Loans, Jumbo Loans, Adjustable Rate Mortgages, Interest Only Mortgages, and Graduated Payment Mortgages. Additional services include mortgage calculators for financial planning and pre-qualification support. All mortgage loans are arranged with third-party providers, with the company operating as a broker rather than direct lender.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchase Mortgage
• Home Refinance
• FHA Loans
• Conventional Loans
• VA Loans
• USDA Loans
• Jumbo Loans
• Fixed Rate Mortgage
• Adjustable Rate Mortgage (ARM)
• Interest Only Mortgage
• Graduated Payment Mortgage
• Pre-Qualification
• Commercial Loans

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves1 record

Expansion highlights5 records

Direct peers

• LendingTree: LendingTree operates a multi-lender online mortgage marketplace that matches borrowers with lender networks, directly analogous to Merita's third-party lender matching model but at vastly greater scale and with a national marketing presence.
• Better.com: Better.com is a digital-first mortgage lender/broker emphasizing a streamlined online application and competitive rate matching, mirroring Merita's 7-10 minute digital application and lender-network positioning, though Better owns more of the technology stack and funding process.

Others

• Bankrate: Bankrate aggregates mortgage rates from multiple lenders and generates leads for lenders and brokers. It is an adjacent ecosystem participant rather than a direct competitor, but competes for the same organic mortgage-related search traffic that Merita's blog targets.

Broad incumbents

• loanDepot: loanDepot is a major national mortgage originator offering purchase, refinance, and HELOC products across digital and retail channels. It competes with Merita for the same borrower segments but at significantly greater scale with both direct lending and broker operations.
• Cardinal Financial: Cardinal Financial is a nationwide retail and wholesale mortgage lender offering conventional, government, and jumbo products through broker and retail channels, serving a similar borrower profile to Merita with broader geographic coverage.
• United Wholesale Mortgage: UWM is the largest U.S. wholesale mortgage lender, supplying loan products to independent brokers like Merita through its TPO channel. UWM is both a key supplier to Merita's lender network and a competitive threat via the broker channel it enables.
• Homepoint: Homepoint is a wholesale mortgage lender distributing products through independent mortgage brokers like Merita. It is both a potential supplier in Merita's lender network and a structural competitor for broker-recruited loan officers.
• Rocket Mortgage: Rocket Mortgage is the largest U.S. retail mortgage originator with a fully digital application, broad loan program coverage (FHA, VA, Jumbo, etc.), and massive marketing spend. It competes directly with Merita's value proposition of digital application plus broad program access.
• Guild Mortgage: Guild Mortgage is a national retail and wholesale mortgage lender offering the same FHA/VA/USDA/Conventional/Jumbo programs as Merita, with a sizable branch network. Comparable on product breadth and customer segment, though materially larger in scale.

Emerging players

• Zillow Home Loans: Zillow Home Loans is a digital mortgage lender leveraging Zillow's massive real estate search audience to originate purchase and refinance loans. Comparable to Merita in targeting digitally native homebuyers, though with a vastly larger consumer acquisition funnel.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/merita-capital-funding-llc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Merita Capital Funding LLC