OneTrust Home Loans
OneTrust Home Loans is a nationwide non-bank mortgage lender (DBA of CalCon Mutual Mortgage LLC) originating conventional, government, jumbo, construction, portfolio, and reverse mortgage loans across 49 states and two US territories through retail branches, builder joint ventures, and a direct-to-consumer online platform.
- Company typePrivate
- Founded2013
- HeadquartersSan Diego, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What OneTrust Home Loans does
OneTrust Home Loans, founded in 2013 by Josh and Shane Erskine and operating as a DBA of CalCon Mutual Mortgage LLC within the Warp Speed Holdings conglomerate, is a nationwide non-bank mortgage lender headquartered in San Diego, California. The company originates a full spectrum of residential mortgage products including Conventional, FHA, VA, USDA, Jumbo, Portfolio, and Construction loans, plus a dedicated Reverse Mortgage program for homeowners 62 and older. It is an approved direct lender and servicer with Ginnie Mae, Fannie Mae, and Freddie Mac, holds NMLS #46375, and is licensed across 49 states plus Puerto Rico and the U.S. Virgin Islands. Distribution operates through three primary channels: a nationwide retail branch network of loan officers (with named locations in San Diego, San Juan, South Jordan, Boise, Meridian, Eden, Cedar City, Grantsville, Ogden, and St. George), a builder/developer channel built around joint ventures (Schumacher Mortgage, Partner Home Loans, Arbor Home Loans) with forward commitments and construction financing, and a direct-to-consumer online application platform at apply.onetrusthomeloans.com that includes Spanish-language applications.
The company's underlying technology stack includes a strategic migration to ICE Mortgage Technology's Encompass Web loan origination system (Q1 2025) integrating AUS (DU/DO and LPA), SmartFees, Optimal Blue pricing, and a custom single-page sales form. Its differentiating technology asset is SKIE AI, a proprietary generative AI platform developed by affiliated Grind Analytics that consolidates loan guidelines, real-time loan data, workflow automation, document intelligence, and analytics, and has generated measurable labor savings. Additional technology capabilities include eClosing and eSigning (with remote notary eClosing available in 44 states), MERS eRegistry integration for eNotes, and Digital ID Verification.
Revenue is generated through origination fees and gain-on-sale on agency-eligible loans, ongoing loan servicing fees (recurring), and interest income on portfolio and construction loans held on the company's own balance sheet. The company has compounded through organic geographic and product expansion and inorganic JV launches, earning multi-year Inc. 5000 recognition (five consecutive years), Fortune Best Workplaces in Financial Services & Insurance, Scotsman Guide #67 Top Mortgage Lenders (2026, based on 2025 loan volume), and the 2026 HousingWire Tech100 Mortgage Award for SKIE AI.
OneTrust Home Loans firmographics
Firmographics- Name
- OneTrust Home Loans
- Legal name
- CalCon Mutual Mortgage LLC
- Website
- https://onetrusthomeloans.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- OneTrust Home Loans is a nationwide non-bank mortgage lender (DBA of CalCon Mutual Mortgage LLC) originating conventional, government, jumbo, construction, portfolio, and reverse mortgage loans across 49 states and two US territories through retail branches, builder joint ventures, and a direct-to-consumer online platform.
- Ownership category
- akta.pro rank
OneTrust Home Loans industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG)
Keywords
Where OneTrust Home Loans is headquartered
LocationHeadquarters
- HQ city
- San Diego
- HQ country
- United States
- HQ region
- North America
Offices10 records
Markets served
OneTrust Home Loans business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Loan Origination: OneTrust Home Loans originates mortgage loans including Conventional, FHA, VA, USDA, Jumbo, Portfolio, and Construction loans. Revenue is generated through origination fees and interest income on loans held on balance sheet. The company is a Ginnie Mae, Fannie Mae, and Freddie Mac approved direct lender.
- Loan Servicing: The company services mortgage loans it originates and purchases. Servicing revenue is generated through ongoing loan administration, payment processing, and escrow management.
- Portfolio and Construction Loans Held on Balance Sheet: The company originates a significant amount of portfolio and construction loans for purposes of holding on its own balance sheet, generating revenue through interest income and loan appreciation.
- Reverse Mortgage Origination: OneTrust operates one of the fastest-growing reverse mortgage channels in the country, originating reverse mortgages for homeowners 62 years of age or older.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Conventional, FHA, VA, USDA, and Jumbo loan programs |
| Other | Monthly | Reverse Mortgage Programs (HECMs and proprietary) |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
OneTrust Home Loans product offering
Product offeringCore offering
OneTrust Home Loans is a nationwide mortgage lender operating as a DBA of CalCon Mutual Mortgage LLC. The company originates and services residential mortgage loans across 49 states and two U.S. territories, including Conventional, FHA, VA, USDA, Jumbo, Portfolio, Reverse, and Construction loans. It distributes products through retail loan officers, builder/developer channel partnerships (including joint ventures), and a direct-to-consumer online application platform.
Product overview
OneTrust Home Loans operates as a multi-product mortgage lending platform offering a comprehensive suite of loan products through both retail and builder channels. Core products include Conventional, FHA, VA, USDA, and Jumbo loans alongside specialized Portfolio Loan Programs (Fix and Flip, Self-Employed, Bridge, Construction loans) and Reverse Mortgage Programs for seniors 62+. The company runs builder-focused programs including forward commitments, joint ventures, and construction lending through its Builder Division. Key technology platforms include SKIE AI (proprietary generative AI for operational efficiency), eClosing Services (hybrid and remote notary electronic closings), and Spanish-Language Mortgage Applications. The company also operates joint ventures including Schumacher Mortgage (construction-focused), Partner Home Loans (Midwest expansion), and Arbor Home Loans. As a Ginnie Mae, Fannie Mae, and Freddie Mac approved direct lender and servicer, OneTrust originates loans for sale to agencies while retaining portfolio and construction loans on its own balance sheet.
Differentiator
Problem solved
Functional benefit
Brands
- Schumacher Mortgage: Construction lending focused joint venture with Schumacher Homes
- Partner Home Loans
- Arbor Home Loans
- Grind Analytics
Products and services
- Conventional Loans
Quantifiable outcome
- SKIE AI deployment delivered six-figure labor savings in 2025 with seven-figure projected impact in 2026
- +5 more outcomes
Companies that use OneTrust Home Loans
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles3 records
OneTrust Home Loans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability4 records
Feature4 records
OneTrust Home Loans partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and growth.
- Grind Analytics / University of Miami Patti and Allan Herbert Business SchoolcoreOneTrust Home Loans and Grind Analytics are participating in a generative AI research initiative with Miami Herbert Business School's Dr. Robert Gregory. The collaboration aims to enhance AI capabilities and responsible innovation across the companies' ecosystems, with Grind Analytics demonstrating how generative AI elevates collaboration, learning, and productivity.
- Freddie Mac (Builder Council)coreCristian Correa, SVP and Head of Product Development and Strategy at OneTrust Home Loans, appointed to the Freddie Mac Builder Council. The newly formed Builder Council brings together a select group of housing industry leaders to foster ongoing dialogue around key issues, innovations, and evolving needs in the builder industry.
- Freddie Mac (Affordable Housing Advisory Council)coreCristian Correa, Director of Affordable Lending at OneTrust Home Loans, appointed to the Freddie Mac Affordable Housing Advisory Council (AHAC). The council cultivates open dialogue with Freddie Mac on critical issues, trends, and innovation in the mortgage industry and provides a feedback forum for Freddie Mac and affordable housing constituents.
- Partner Home LoansgrowthPartner Home Loans is OneTrust Home Loans' latest joint venture DBA for CalCon Mutual Mortgage LLC in the Midwest, with Tony Clintock appointed as CEO. Many team members previously worked together at Caliber/MetLife.
- Freddie Mac BorrowSmart AccesscoreOneTrust Home Loans partnered with Freddie Mac to introduce Freddie Mac BorrowSmart Access, a program designed to expand access to homeownership for underserved communities.
- Arbor Home LoansgrowthArbor Home Loans launched as part of the growing OneTrust family of companies, with Daniel Caro and David Burchett joining as leaders. Expands the family of companies under OneTrust's umbrella.
- Schumacher Homes / Schumacher MortgagecoreOneTrust Home Loans partnered with Schumacher Homes to launch Schumacher Mortgage, a construction-lending focused joint venture. This builder joint venture provides specialized construction financing for Schumacher Homes buyers.
Scale indicators9 records
Recent moves12 records
Expansion highlights6 records
OneTrust Home Loans competitors and assessment
Company assessmentDirect peers
- NewRez (formerly New Penn Financial): Non-bank mortgage lender and servicer with retail and wholesale channels. Comparable direct peer with similar product mix including government, conventional, and specialty programs.
- Guild Mortgage: Retail non-bank mortgage lender specializing in government-insured (FHA/VA) and affordable housing lending. Directly comparable to OneTrust's first-time homebuyer and government loan focus.
- Caliber Home Loans: Non-bank retail and wholesale mortgage lender with strong builder channel relationships. Highly comparable to OneTrust's builder and retail origination focus.
- United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender. Comparable to OneTrust's broker and builder channel activity, with significant market share in non-bank origination.
- Fairway Independent Mortgage: Retail-focused non-bank mortgage lender with branch network and government loan expertise. Comparable retail-channel model with strong MLO-driven production.
- Homepoint: Non-bank wholesale and retail mortgage lender. Comparable in non-bank origination model, with overlap in builder-channel and retail products offered to OneTrust's market.
- loanDepot: Major non-bank retail mortgage originator and servicer offering conventional, government, and jumbo products across the U.S. Direct peer to OneTrust in retail origination channel and product breadth.
- CrossCountry Mortgage: Fast-growing non-bank retail mortgage lender with national branch expansion model. Comparable in trajectory and MLO-driven retail model to OneTrust's growth profile.
- New American Funding: Non-bank retail mortgage lender with strong Hispanic market focus and government loan specialization. Direct peer in Spanish-language accessibility and diverse-borrower focus.
Broad incumbents
- Rocket Mortgage: Largest U.S. retail mortgage originator and a market-shaping incumbent with significant technology investment and consumer brand. Comparable to OneTrust across retail mortgage products but with materially greater scale and marketing spend.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
OneTrust Home Loans social profiles
Digital presenceOneTrust Home Loans compliance and trust
Trust signalCompliance8 records
OneTrust Home Loans financial estimates
Financial estimateRevenue estimate
Valuation estimate
OneTrust Home Loans leadership team
Management profileNumber of profiles
Profiles9 records
OneTrust Home Loans subsidiaries and ownership
Company hierarchySubsidiaries4 records
OneTrust Home Loans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OneTrust Home Loans 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 OneTrust Home Loans
What does OneTrust Home Loans do?
OneTrust Home Loans is a nationwide mortgage lender operating as a DBA of CalCon Mutual Mortgage LLC. The company originates and services residential mortgage loans across 49 states and two U.S. territories, including Conventional, FHA, VA, USDA, Jumbo, Portfolio, Reverse, and Construction loans. It distributes products through retail loan officers, builder/developer channel partnerships (including joint ventures), and a direct-to-consumer online application platform.
Is OneTrust Home Loans a public or private company?
OneTrust Home Loans is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was OneTrust Home Loans founded?
OneTrust Home Loans was founded in 2013. It employs 101 to 250 people.
Where is OneTrust Home Loans based?
OneTrust Home Loans is headquartered in San Diego, United States, in the North America region.
How does OneTrust Home Loans make money?
Four revenue lines are on record. Mortgage Loan Origination is the primary driver. The others are loan Servicing, portfolio and Construction Loans Held on Balance Sheet and reverse Mortgage Origination.
Who are OneTrust Home Loans's main competitors?
Direct peers on record are NewRez (formerly New Penn Financial), Guild Mortgage, Caliber Home Loans, United Wholesale Mortgage (UWM), Fairway Independent Mortgage, Homepoint, loanDepot, CrossCountry Mortgage and New American Funding. Rocket Mortgage is listed as a broad incumbent.
Does OneTrust Home Loans have an API?
No public API is recorded for OneTrust Home Loans.
What industry is OneTrust Home Loans in?
OneTrust Home Loans's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAG, First-Time Homebuyer (FTHB) Mortgage Origination. Its NAICS code is 522292 and its SIC code is 6162.