As an independent mortgage bank in Carlsbad, DG Funding operates under NMLS #918742 and California BRE license #01916937 from Kellogg Avenue, with direct seller-servicer approval from Fannie Mae, Freddie Mac, FHA, and VA. The bank's direct-lending authority eliminates the wholesale-broker intermediary on conforming and government loans, a streamlined funding model that pairs with the deposit-account infrastructure at SDCCU Carlsbad Branch where many borrowers maintain their checking and savings. Founded in 2012, the firm has funded approximately 3,000 transactions through a combination of direct origination, correspondent, and non-QM private-lender channels across five states including California, Washington, Colorado, Maryland, and Virginia. The FHA 203(k) rehabilitation loan program bundles purchase price and contractor estimates into a single mortgage, financing renovation scopes from builders at Newman Windows and Doors - Carlsbad into the total loan amount. The bank underwrites non-QM products through its private-lender relationships, structuring asset-depletion, bank-statement, and DSCR investor loans outside traditional agency guidelines.