What Ignite Loan Partners does

Ignite Loan Partners is a privately held, founder-owned mortgage broker founded in 2013 by Michael Kerby and headquartered in Scottsdale, Arizona. The firm operates a concierge broker model: rather than lending on its own balance sheet, it shops borrower files simultaneously across a network of 100+ lender partners spanning conventional, FHA, VA, jumbo, non-QM, DSCR, bank statement, hard money, and HELOC products. The company is licensed in 22 states and reports an 18-day average time from application to closing, supported by web-based intake through the 1003app platform, interactive mortgage calculators (DSCR, PMI, equity, FHA), and a "Rate Watch" rate-monitoring tool. Its core product menu includes conventional conforming loans up to $806,500, FHA/VA loans up to $1.2M, jumbo loans up to $30M, non-QM bank statement loans up to $10M, DSCR investor loans, cash-out refinances, HELOCs, asset depletion loans, and ITIN/foreign national mortgages.

The firm's revenue model is transaction-based: it earns origination commissions paid by lender partners on successfully closed loans, with no disclosed fees to borrowers for pre-qualification or rate quotes. Go-to-market is hybrid — direct-to-consumer through an online application portal and SEO-optimized state and city landing pages, plus a formal referral partnership channel for realtors and home builders that emphasizes closing speed, communication, and the ability to handle complex or declined files. Customer segments are individual homebuyers and homeowners (first-time, move-up, luxury, refinance), real estate investors (including DSCR-driven portfolio builders and short-term rental operators), self-employed borrowers served by non-QM products, and the realtor/builder partners who generate referrals. Founder Michael Kerby (NMLS #1163561), a former sales floor VP and restructure manager, is the publicly visible operator; the firm maintains an NMLS license (#2381991) and a 5.0-star Google rating across 73 published reviews as core brand assets.

The business appears to be bootstrapped and self-sustaining: there are no disclosed funding rounds, institutional investors, or parent entities, and no headcount or revenue figures are published. Operational signals include an active careers page recruiting 1099 loan officers, city-specific expansion pages in markets such as Dallas, Nashville, and Charlotte, and a deployed AI office assistant for inbound handling — all suggesting an intent to scale origination capacity without proportionate fixed-cost overhead.

Name

Ignite Loan Partners

Legal name

Ignite Loan Partners

Website

https://igniteloanpartners.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Ignite Loan Partners is a Scottsdale-based mortgage broker founded in 2013 that shops borrower files across 100+ lenders to deliver conventional, FHA, VA, jumbo, and non-QM loans in 22 states. It serves individual homebuyers, self-employed borrowers, and real estate investors, and earns origination commissions via a concierge, advisor-led model.

Ownership category

akta.pro rank

Product category

Residential Mortgage Brokerage

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage brokerage services
• Residential mortgage lending
• Non-QM loan programs
• Jumbo mortgage loans
• Home equity lending

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Origination Commission: Earn origination commissions from lenders when loans close. As a mortgage broker, Ignite Loan Partners shops borrower files across their lender network and earns fees paid by the lending partner on successfully closed loans. Revenue is transaction-based, earned upon loan closing.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Ignite Loan Partners is a mortgage broker that shops borrower files simultaneously across a network of 100+ lender partners to deliver optimal terms for residential home purchases and refinances. The company originates conventional, FHA, VA, jumbo (up to $30M), and non-QM loan products — including bank statement, DSCR, asset depletion, and ITIN/foreign national loans — supported by concierge loan officer support and an average 18-day close time across its 22 licensed states.

Product overview

Ignite Loan Partners is a mortgage broker offering a comprehensive suite of residential financing products through a network of 100+ lender partners. The core offering includes conventional loans, FHA loans, VA loans, jumbo loans up to $30M, and non-QM programs (bank statement loans, DSCR investor loans, asset depletion loans, ITIN/foreign national loans). Additional products include cash-out refinances, HELOCs, and mortgage calculators. The company operates as an education-first broker that shops borrower files across its full lender network simultaneously to find optimal terms. Supporting services include realtor/builder referral partnerships and loan officer career opportunities (1099 positions). The company is licensed in 22 states with an 18-day average close time.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 18-day average closing time vs industry average typically 30-45 days
• +4 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• 100+ Lender Network PartnerscoreChannel Partner/ Reseller/ DistributorIgnite Loan Partners maintains relationships with over 100 lending institutions across their network. These lender partners provide the mortgage products that Ignite shops on behalf of borrowers. The network includes conventional lenders, jumbo lenders, non-QM lenders, DSCR lenders, bank statement lenders, and hard money lenders. This network enables simultaneous comparison shopping across the full market.

Scale indicators6 records

Recent moves3 records

Expansion highlights5 records

Direct peers

• PrimeLending: Multi-state retail mortgage lender offering purchase and refinance products with a relationship-driven loan officer model. Closely comparable in retail advisor-driven approach and product scope.
• New American Funding: Retail mortgage lender licensed nationwide, with particular strength in non-QM, self-employed borrower programs, and Hispanic market focus. Comparable to Ignite in its retail, multi-product, multi-state origination approach with specialty products.
• Paramount Residential Mortgage Group (PRMG): Retail mortgage lender licensed in 40+ states with extensive non-QM and government loan programs. Comparable in breadth of product offering, multi-state retail footprint, and specialty borrower focus.
• CrossCountry Mortgage: Retail-focused mortgage lender with rapid multi-state expansion and a branch model emphasizing loan officer productivity. Comparable in retail, advisor-led origination and broad product mix to Ignite.
• Guild Mortgage: Retail-focused residential mortgage lender with nationwide footprint and broad product mix including government and jumbo. Comparable retail business model and multi-state origination scale.
• Fairway Independent Mortgage Corporation: Retail mortgage lender operating in 40+ states with a strong branch/loan-officer model and broad product set including conventional, jumbo, and non-QM. Closest comparable in business model, multi-state retail focus, and product breadth to Ignite.

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender with heavy digital-first origination and broad product set. Major incumbent competitor that competes for the same purchase and refinance demand Ignite serves.
• loanDepot: Large publicly-traded mortgage originator operating retail, wholesale, and direct-to-consumer channels. Larger incumbent in the same product space, representing competitive pressure rather than direct product parity.

Emerging players

• Better.com: Digital-first mortgage lender competing on speed and online UX. Represents the technology-led emerging competition that challenges traditional advisor-driven brokers like Ignite.

Others

• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender serving independent brokers. Functions as one of the underlying lender partners in Ignite's 100+ lender network rather than a direct competitor, but shapes the wholesale economics brokers operate within.

Market position

Strengths2 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ignite-loan-partners

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Ignite Loan Partners