Geremia Capital, Llc

What Geremia Capital, Llc does

Geremia Capital, LLC is a privately held mortgage brokerage registered in New Jersey and headquartered at 1090 King Georges Post Road, Suite 801, Edison, NJ. Founded by Frank Geremia — a 30-year mortgage industry veteran whose prior tenure included the institutional Mortgage Bond trading desk at Prudential — the firm acts as an intermediary between residential and small-commercial borrowers and a network of third-party lenders, sourcing home loan products rather than originating or servicing loans directly. The firm is licensed as a mortgage broker by the N.J. Department of Banking and Insurance, the New York Department of Financial Services, and in Pennsylvania, Florida, and South Carolina (Mortgage Broker NMLS 195733; Mortgage Loan Officer NMLS 195849).

The company's product offering is broad for its size, spanning thirteen core loan categories: Conventional, Jumbo, FHA, VA, Reverse (HECM and Term), Second Mortgage / HELOC, Renovation, Investment, Commercial, Construction, Fixed Rate, Adjustable Rate (ARM), and Interest Only mortgages. The team of five — Managing Member Frank Geremia plus four loan officers with individual tenures of 7 to over 10 years — serves individual homebuyers (from first-time buyers to seasoned investors), commercial borrowers, and senior homeowners aged 62 and older seeking reverse-mortgage products. Marketing and customer acquisition combine a content-oriented website, paid Google Ad Network campaigns with retargeting, and consent-based SMS and email outreach.

Geremia Capital operates on a transaction-based revenue model, earning origination commissions from third-party lenders upon successful loan closings; the firm charges no upfront fees to borrowers. Services are delivered primarily through direct in-person and phone/email consultation from the Edison, NJ office. The firm is founder-owned and operated, with no disclosed external investment, parent company, M&A activity, or partnership agreements in the source material. No technology platform, API, or proprietary origination system is referenced; digital presence is limited to a marketing website with calculators and basic analytics.

Name

Geremia Capital, Llc

Legal name

Geremia Capital, LLC

Website

https://geremiacapital.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Geremia Capital, LLC is a privately held, Edison, NJ-based mortgage brokerage that arranges residential and small-commercial home loan products through a network of third-party lenders for borrowers across New Jersey, New York, Pennsylvania, Florida, and South Carolina.

Ownership category

akta.pro rank

Headquarters

HQ city

Edison

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Loan Origination Commission: Geremia Capital operates as a mortgage broker earning fees from third-party lenders when loans close. They do not charge upfront fees to customers - their compensation comes from origination commissions paid by lenders upon successful loan closings.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Geremia Capital, LLC is a registered mortgage brokerage that arranges home and commercial loan products through a network of third-party lenders. The firm does not lend its own capital; instead, it matches borrowers to lenders across loan types such as Conventional, Jumbo, FHA, VA, Reverse, Renovation, Investment, Commercial, and Construction loans, and is compensated via origination commissions paid by lenders upon closing.

Product overview

Geremia Capital, LLC is a mortgage brokerage firm offering a comprehensive suite of mortgage products and services. The company provides access to multiple loan programs including Conventional, Jumbo, FHA, VA, Reverse, Second Mortgage, Renovation, Investment, Commercial, and Construction loans. Rate options include Fixed Rate, Adjustable Rate (ARM), and Interest Only mortgages. The firm serves as an intermediary between borrowers and lenders, leveraging relationships with multiple lending institutions to find optimal rates and terms for clients ranging from first-time homebuyers to seasoned investors.

Differentiator

Problem solved

Functional benefit

Segments3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Caliber Home Loans: Large multi-channel mortgage lender operating retail, wholesale, and correspondent channels. Overlaps with Geremia across product set and operates in many of the same geographies, including NJ, NY, FL, and PA.
• Guaranteed Rate: Large national mortgage lender with retail, wholesale (TPO), and digital (Rocket Pro TPO competitor) channels. Competes for the same borrower pool as Geremia while also serving as a wholesale lender partner.
• loanDepot: Large multi-channel mortgage lender operating retail, wholesale (LDWholesale), and direct-to-consumer channels. Competes with Geremia for retail borrowers while also serving as a wholesale lender partner.
• Rocket Mortgage (Rocket Pro TPO): Rocket's wholesale/broker channel (Rocket Pro TPO) is a direct wholesale lender partner for brokers like Geremia, while the parent brand also competes for the same borrowers via direct-to-consumer channels. Relevance is high because lender mix is a key broker differentiator.

Direct peers

• Plaza Home Mortgage: Wholesale and retail mortgage lender with strong broker relationships. Competes for broker-originated loan volume and offers products across conventional, government, and non-QM categories overlapping Geremia's suite.
• Homebridge Financial Services: National wholesale mortgage lender focused exclusively on the broker channel. Provides funding for loans originated through brokers like Geremia and represents a comparable relationship-driven wholesale model.
• Fairway Independent Mortgage Corporation: National mortgage lender with strong retail branch and broker channel presence. Comparable in offering a wide product menu and operating across multiple states including the Northeast and Southeast markets Geremia serves.
• NewRez (formerly New Penn Financial): Wholesale and retail mortgage lender that funds loans originated through independent mortgage brokers. Direct counterparty in the broker value chain and a likely member of Geremia's lender network.
• United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender, funding loans through a network of independent mortgage brokers like Geremia Capital. Direct counterparty in the broker-wholesale value chain, so broker relationships and economics are materially affected by UWM's policies and pricing.

Emerging players

• Better.com: Digital-first mortgage lender offering end-to-end online origination. Represents the structural disintermediation threat to brokers like Geremia by capturing borrowers who previously would have used a broker to shop rates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/geremia-capital-llc

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 Geremia Capital, Llc