JVM Lending is a mortgage lender founded in 2006 that pays salaried loan officers rather than commissions and processes loans through a team-based model across multiple U.S. states.
JVM Lending is a mortgage lending company founded in 2006 by husband-and-wife team Jay Voorhees and Heejin Kim Voorhees. Its founding premise is structural: loan officers are paid salaries rather than commissions, a model designed to align mortgage professionals' incentives with client outcomes instead of transaction volume. The company is headquartered in Walnut Creek, California, and operates across multiple U.S. states.
Two operating structures underpin the business. The proprietary Super Team model replaces the single generalist loan officer with specialists who handle different aspects of each loan in parallel. A hybrid lender structure allows the company to bank or broker loans, combining the capacity to offer competitive rates with maintained service quality. The firm works in mortgage lending, real estate finance and homebuying.
Since founding, JVM Lending has served over 18,000 clients and funded $5.9 billion in loans, and has accumulated more than 1,300 five-star reviews. The company states that it was established to correct misaligned incentives in the industry and to create a more transparent, less stressful homebuying experience.
