It’s nice to meet you!

Welcome to Defy Mortgage, your modern lending partner with solutions designed to meet your unique needs. Our goal is to provide a secure, efficient, and personalized loan process that sets new standards in the industry.

At Defy, we believe in taking an innovative and holistic approach to assessing your unique needs — enabling us to offer mortgage options tailored specifically to your individual needs. We are driven by a passion to challenge the status quo and create a new era of lending that puts the power in the hands of borrowers.

Obtaining a mortgage should be an empowering experience, where borrowers feel confident, informed, and in control every step of the way. Our streamlined and secure technology, combined with our customer-centric methods, forms the cornerstone of our superior borrower experience. Whatever your situation, you’ve come to the right place. We’ll handle the rest.


Empowering Dreams, Enriching Lives – Elevating the Mortgage Experience


Transforming the lending landscape.

Our company values are what shape & define Defy.


Transforming lending at every step.


We build your trust by delivering results.


Measured by positive outcomes.


We are dedicated to serving our customers.

Meet our team with over 100 years of combined industry experience.

Todd Orlando

Co-Founder & CEO

Stephen Light

Co-Founder & Chairman

Michael Rogan


Kim Morrison

Operations Manager

Mike Belloli

VP, Strategy

Ashley Heesch

Marketing Manager

Leandra Henne

Closing Manager

Customer testimonials

“Thank you to everyone at Defy who made this happen. Some seriously savage behavior to get this done in this timeline and I appreciate it. It’s a very strong start to winning more business. Thank you again!”

- Josh G.

“Thanks to the Defy team for everything and I look forward to doing my ReFi with you!”

- David A.

“Defy Mortgage did something that I would have thought impossible before we started considering my unique circumstances. If I were a religious person, I would say that a higher power put Defy Mortgage in my life just when I needed them. But since I am not, I will just say thanks from the bottom of my heart!”

- David M.

Ready to take the next step?