Welcome to Defy, your modern lending partner.

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.

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Values that 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.

Get to know us

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

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Todd Orlando

Co-Founder & CEO

Stephen Light

Stephen Light

Co-Founder & Chairman

Defy Mortgage Michael Rogan COO

Michael Rogan


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John Wagner

EVP, Sales

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Joshua Black

VP, Security & Compliance

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Mike Belloli

VP, Strategy

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Ashley Heesch

Marketing Manager

Kim Morrison cropped-1

Kim Morrison

Operations Manager

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Leandra Henne

Director of Lending Operations

Defying Moments

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The entire Defy team made my experience…

The entire Defy team made my experience seamless!! As a busy professional and single mom, I’m not sure how I would have gotten through the process without them. They achieved all of my goals and objectives and I am so so grateful. They definitely deserve the five stars!!

Janelle S.

July 23, 2023

I had a great experience with Defy

I had a great experience with Defy for my home loan. From start to finish, their professionalism, responsiveness, and commitment to customer satisfaction were outstanding. They were quick in addressing any questions, making the entire process stress-free. I suggest using them!


January 17, 2023

So many good things to say

Todd and the team made the process seamless for us. They have creative options that allowed us to get into our dream home at a better rate than we found elsewhere. Can’t say enough good things about the Defy team.

Jordan B.

December 15, 2023


We Are Here To Help You
With Any Questions You May Have

We do mortgages differently to benefit you. At Defy Mortgage, we believe that lending opportunities should be available to the creators, the leaders and those who take risks. You aren’t less qualified for a loan simply because you have alternative assets or several streams of income. We operate using only the safest and streamlined technology. Our innovative system opens purchase and refinance opportunities for those who are alternative asset heavy, with secure, efficient and personalized loan services.


Yes, we are. We work with our borrowers through the entire process to create a secure and consistent experience.

You can use Defy Mortgage to get a loan in Colorado, Florida, Oregon, Tennessee and Texas. We are quickly expanding to the other 50 states, so if you have questions or are curious about a mortgage loan outside of the above listed states, please contact us and we will be happy to assist you.


We currently offer both fixed (15 and 30 year) and adjustable rate mortgages for conventional, jumbo, HELOC and construction loans. We also offer FHA loans, and provide refinance and cash-out options.


There are various factors that go into determining your interest rate. For example: credit score, home location and price, loan amount, down payment, loan type and term, interest rate type. Everyone’s situation is different and our Defy Mortgage team is well equipped to help get you the best interest rate depending on your unique situation. 


No, Defy Mortgage will not service your loan after it closes. We will transfer your loan to a permanent servicer who will handle the servicing of your loan. But, Defy can always remain a point of contact to assist with any questions, concerns, etc. throughout the life of the mortgage.


Yes, you will. Our Defy Mortgage loan team will be accessible to you throughout your purchase or refinance process. Your point of contact will be established after your application has been submitted and reviewed. If you have questions prior, please contact us here.


To qualify for a conventional loan with Defy Mortgage, you will need a credit score of 620 or higher. The minimum credit score to be eligible for a jumbo loan is 700. If you have a lower credit score than 620, you might be better suited for an FHA loan where the minimum credit score requirement is 580. We offer FHA loans so please be sure to discuss this with your Defy team point of contact.


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