va mortgage
VA Mortgage (VAMortgage.com), powered by Meridian Bank, originates VA-backed purchase and refinance home loans for U.S. veterans, active-duty service members, and their families nationwide, supplemented by Conventional, FHA, USDA, Jumbo, and Home Equity loan products.
- Company typePrivate
- Founded-
- HeadquartersTowson, United States
- Headcount—
- GTM typeB2C
- OfferingServices
What va mortgage does
VAMortgage.com is a VA-focused mortgage lending brand operated by Meridian Bank, a Maryland-chartered community bank headquartered in Towson (NMLS #462854, Maryland License #23919). The company originates VA-backed home loans — Purchase Loans with 0% down and no mortgage insurance, VA Streamline Refinances (IRRRL), and Cash-Out Refinances — for U.S. veterans, active-duty service members, National Guard and Reserve members, and their spouses. It complements the VA core with adjacent products (Conventional, FHA, USDA, Jumbo, Portfolio, and Home Equity Loans) and supports borrowers with a mortgage calculator, an eligibility survey, and an online application portal (myMortgage-Online).
Underlying technology is industry-standard rather than proprietary: the platform runs on third-party loan origination and processing software integrated with the myMortgage-Online application portal, and no proprietary technology platform is described. There is no disclosed use of AI or machine learning anywhere in the lending stack. Distribution combines a digital top-of-funnel (website, SEO, Facebook, Instagram, LinkedIn) with inside-sales conversion by a named team of "VA Success Specialists" handling inbound calls at 877-349-5000, plus community-led referral driven by testimonials and review accumulation on Experience.com and Zillow.
The business model is transaction-based: revenue is generated from origination fees, underwriting fees, rate spread, VA funding fees passed through, and refinancing activity (IRRRL and cash-out). Pricing is not publicly disclosed; rates and fees are individualized to borrower credit, loan term, and property type, and VA closing costs are capped by the Department of Veterans Affairs. The company lends nationwide across all U.S. states under Meridian Bank's in-house decisioning authority, and customer concentration is effectively 100% in the veteran and active-duty military segment.
va mortgage firmographics
Firmographics- Name
- va mortgage
- Legal name
- Meridian Bank
- Website
- https://vamortgage.com
- Company type
- Private
- Operating status
- Operating
- Short description
- VA Mortgage (VAMortgage.com), powered by Meridian Bank, originates VA-backed purchase and refinance home loans for U.S. veterans, active-duty service members, and their families nationwide, supplemented by Conventional, FHA, USDA, Jumbo, and Home Equity loan products.
- Ownership category
- akta.pro rank
va mortgage industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Real Estate Credit (522292), Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Savings Institution, Federally Chartered (6035)
- akta.pro primary industry
- Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)
- akta.pro secondary industry
- Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)
Keywords
Where va mortgage is headquartered
LocationHeadquarters
- HQ city
- Towson
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
va mortgage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain
Revenue model
- Mortgage Loan Origination: VAMortgage.com earns revenue through origination fees charged when a mortgage loan is closed. As a VA-approved lender and community bank (Meridian Bank), they generate income from the spread between the rate offered to borrowers and the cost of funds, plus applicable origination fees, underwriting fees, and funding fees (including VA funding fees passed through to the borrower). Additional revenue comes from refinancing transactions (IRRRL and cash-out refinances).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | No fixed pricing tiers — rates and fees are individualized based on borrower profile and loan terms. |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels8 records
va mortgage product offering
Product offeringCore offering
VAMortgage.com, operated by Meridian Bank (a community bank), originates VA-backed residential mortgage loans for U.S. veterans, active-duty service members, and their families. The core offering consists of VA Purchase Loans (100% financing, no down payment, no PMI), VA Streamline Refinance Loans (IRRRL), and VA Cash-Out Refinance Loans, supplemented by Conventional, FHA, USDA, Jumbo, Portfolio, and Home Equity Loan products. Loans are funded by Meridian Bank with in-house decisioning authority and delivered nationwide.
Product overview
VAMortgage.com is a mortgage lending platform powered by Meridian Bank, operating as a VA-approved lender. The core offering consists of three VA loan products: Purchase Loans (for buying homes with 0% down), Streamline Refinance Loans (IRRRL for lowering interest rates on existing VA loans), and Cash-Out Refinance Loans (for accessing home equity). The platform also offers supplementary loan products including Conventional, FHA, USDA, Jumbo, Portfolio, and Home Equity Loans. Supporting tools include a VA Mortgage Calculator and Eligibility Survey. The company serves active duty service members, veterans, National Guard members, Reserve members, and their families nationwide.
Differentiator
Problem solved
Functional benefit
Products and services
- VA Purchase Loan A VA-guaranteed mortgage that allows eligible veterans and active-duty service members to purchase a home at a competitive interest rate with no down payment required and no mortgage insurance.
- VA Streamline Refinance Loan (IRRRL) An Interest Rate Reduction Refinance Loan that allows veterans to refinance their existing VA loan to obtain a lower interest rate with streamlined documentation requirements.
- VA Cash-Out Refinance Loan Allows veterans to cash out home equity for purposes such as paying off other debt, tuition, or home improvements, with the VA guaranteeing loans up to 100% of home value.
- FHA Loans Federal Housing Administration-backed loans offered as an alternative to VA loans for eligible borrowers who do not qualify for VA financing.
- Conventional Loans Standard mortgage loans not backed by government agencies, offered alongside VA loan products for borrowers who do not use VA financing.
- USDA Loans United States Department of Agriculture-backed loans for rural property purchases offered as an additional loan option.
- Jumbo Loans Loans that exceed conforming loan limits, used for high-value property purchases.
- Portfolio Loans In-house loan products that do not conform to standard secondary market requirements, offering flexible underwriting options.
- Home Equity Loans Loans allowing homeowners to borrow against the equity in their homes.
Quantifiable outcome
- Over 6,000 verified borrower reviews on Experience.com
- +2 more outcomes
Companies that use va mortgage
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles2 records
va mortgage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
va mortgage partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights4 records
va mortgage competitors and assessment
Company assessmentDirect peers
- Veterans United Home Loans: Largest VA-focused mortgage lender in the U.S., specializing in VA purchase and refinance loans for veterans and active-duty service members. Operates with a similar inside-sales motion, military-community brand emphasis, and educational content strategy, making it the closest direct competitor to VAMortgage.com in the VA lending niche.
- Navy Federal Credit Union: The largest credit union serving military members, veterans, and their families. Offers VA loans alongside conventional and government-backed mortgage products, with a similar member-only distribution model and deep community ties within the armed services.
- PenFed (Pentagon Federal Credit Union): Member-owned credit union serving military, DoD civilians, and veterans with a strong mortgage lending portfolio including VA loans. Competes directly for the same VA-eligible borrower base with similar community-driven brand positioning.
- USAA: Financial services organization exclusively serving military members, veterans, and their families. Offers VA loans as a core product alongside banking and insurance, with deep community-based brand recognition that mirrors VAMortgage.com's positioning within the same demographic.
- Veterans First Mortgage: A specialty VA mortgage lender focused exclusively on the military and veteran community. Operates with a similar niche-specialist positioning, inside-sales motion, and brand emphasis on serving service members — a closer-scale direct peer to VAMortgage.com.
Broad incumbents
- Rocket Mortgage: The largest U.S. mortgage lender, offering VA loans alongside a broad portfolio of conventional, FHA, and jumbo products. Differs in scale and technology depth, but competes for the same VA-eligible borrowers with a digital-first origination experience.
- loanDepot: Large multi-channel mortgage lender offering VA loans through retail, wholesale, and consumer direct channels. Competes for VA-eligible borrowers at national scale and operates a similar purchase-plus-refinance product suite.
- Guaranteed Rate: National mortgage lender offering VA purchase and refinance loans alongside a broad product mix. Competes for the same VA borrower segment with a digital origination platform and large retail branch network.
- Caliber Home Loans: Large non-bank mortgage lender offering VA purchase and refinance products alongside its broader government and conventional loan portfolio. Competes for VA-eligible borrowers at national scale with a multi-channel origination model.
- NewRez (Rithm Capital): National mortgage lender and servicer offering VA loans through retail and wholesale channels. Competes for the same VA-eligible segment and is comparable in the breadth of government-backed mortgage products offered.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
va mortgage social profiles
Digital presenceva mortgage financial estimates
Financial estimateRevenue estimate
Valuation estimate
va mortgage leadership team
Management profileNumber of profiles
Profiles9 records
va mortgage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
va mortgage 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 va mortgage
What does va mortgage do?
VAMortgage.com, operated by Meridian Bank (a community bank), originates VA-backed residential mortgage loans for U.S. veterans, active-duty service members, and their families. The core offering consists of VA Purchase Loans (100% financing, no down payment, no PMI), VA Streamline Refinance Loans (IRRRL), and VA Cash-Out Refinance Loans, supplemented by Conventional, FHA, USDA, Jumbo, Portfolio, and Home Equity Loan products. Loans are funded by Meridian Bank with in-house decisioning authority and delivered nationwide.
Is va mortgage a public or private company?
va mortgage is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was va mortgage founded?
va mortgage was founded in -1.
Where is va mortgage based?
va mortgage is headquartered in Towson, United States, in the North America region.
How does va mortgage make money?
One revenue line is on record: mortgage Loan Origination.
Who are va mortgage's main competitors?
Direct peers on record are Veterans United Home Loans, Navy Federal Credit Union, PenFed (Pentagon Federal Credit Union), USAA and Veterans First Mortgage. Broad incumbents are Rocket Mortgage, loanDepot, Guaranteed Rate, Caliber Home Loans and NewRez (Rithm Capital).
Does va mortgage have an API?
No public API is recorded for va mortgage.
What industry is va mortgage in?
va mortgage's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAI, Government-Insured Mortgage Origination (FHA/VA/USDA), with a secondary code of FSALAGAA, Closed-End Home Equity Loans (Second Mortgages). Its NAICS code is 522292 and its SIC code is 6162.