The Mortgage Collaborative

What The Mortgage Collaborative does

The Mortgage Collaborative (TMC) is a member-driven collaborative network founded in 2013 that serves independent mortgage banks and depository institutions in the United States. Headquartered in San Diego, California, TMC does not develop proprietary software but operates as a relationship layer across approximately 38 lender members, more than 60 Preferred Partners, and a growing base of Individual Subscribers. Its core offerings are organized into four interconnected layers: (1) Lender Membership and Individual Subscription programs providing access to peer collaboration, benchmarking, working groups, and education; (2) a curated Preferred Partners Network offering member-discounted technology and services spanning loan origination, credit verification, capital markets, compliance, servicing, and AI tools; (3) peer engagement programs including Collaboration Labs, Working Groups, and Focus Groups structured around operational roles such as Capital Markets, Compliance, Operations, HR, Technology, and Construction Lending; and (4) annual conferences (ACT Tech Summit, Desert Disruption in Scottsdale, Uniquely TMC in Austin) that function as innovation showcases and networking events. TMC also operates an Advocacy Committee that engages with CFPB, FHFA, Ginnie Mae, HUD, and GSEs on regulatory matters affecting members.

TMC generates revenue through three primary streams: negotiated annual Lender Membership fees (undisclosed), an Individual Subscription priced at $2,000 per year, and Preferred Partner program fees that grant vetted technology and service providers access to lender members through discounted integration. The go-to-market is community-led and event-driven, using direct field sales via an SVP of Member Engagement and Member Benefits Advocates, plus major conferences and recurring working groups as acquisition and retention touchpoints. The technology stack is intentionally lightweight — TMC relies on Cvent for event management, Stripe for payments, and standard digital channels (website, newsletter, LinkedIn, YouTube) for member engagement, with no proprietary product surface.

The organization is privately held, member-supported rather than venture-funded (total disclosed funding under $260K across two small rounds), and operates with a lean staff of 11-50 employees. Leadership is headed by CEO Jodi Hall with Co-founder John Robbins, and the organization maintains structured governance including a Partner Advisory Council and Advocacy Committee. TMC's value proposition is built on trust, lender-led design, and coordinated advocacy rather than technology differentiation, with reported metrics including 82% monthly member engagement and 3,200+ collaboration hours logged annually.

Name

The Mortgage Collaborative

Legal name

The Mortgage Collaborative

Website

https://www.mortgagecollaborative.com/

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

The Mortgage Collaborative is a member-driven network founded in 2013 serving US independent mortgage banks and depositories through lender membership, a curated Preferred Partners marketplace of 60+ technology and service providers, working groups and benchmarking, annual conferences, and coordinated federal mortgage policy advocacy.

Ownership category

akta.pro rank

Product category

Mortgage Industry Membership Network

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

akta.pro secondary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Mortgage lender network
• Preferred partner marketplace
• Industry benchmarking
• Peer working groups
• Mortgage advocacy

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Lender Membership Fees: TMC generates revenue through annual membership fees from lender members (independent mortgage banks and depositories). Membership provides access to peer networks, benchmarking, preferred partner discounts, and advisory programs.
2. Individual Subscription: Annual subscription at $2,000 providing mortgage professionals access to TMC's insight, conversations, peer groups, working groups, benchmarking, education, and one complimentary conference registration. The subscription follows a one-year cycle beginning on payment receipt.
3. Preferred Partner Program: Preferred Partners pay to be part of TMC's vetted marketplace, gaining access to lender members through a relationship-driven network. Partners receive member-supportive pricing and participate in the ecosystem with discounted rates for members.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

The Mortgage Collaborative sells annual membership and subscription access to an independent network for mortgage lenders. Lender Members and Individual Subscribers gain peer collaboration, working groups, benchmarking, advocacy representation, and discounted access to a curated Preferred Partners Network of vetted technology and service providers. Members and partners also participate in peer-led conferences and Collaboration Labs that drive the engagement model.

Product overview

The Mortgage Collaborative (TMC) operates as a member-driven collaborative network for independent mortgage banks and depositories, not a product company with a unified software platform. The core offering is organized into four interconnected layers: (1) Lender Membership and Individual Subscription programs providing access to peer collaboration, benchmarking, education, and working groups; (2) the Preferred Partners Network — a curated marketplace of over 60 vetted technology and service partners offering member-discounted solutions across loan origination, credit verification, fraud detection, capital markets, compliance, and servicing; (3) peer engagement programs including Collaboration Labs, Working Groups, and Focus Groups structured around operational roles and markets; and (4) annual conferences (ACT Tech Summit, Desert Disruption, Uniquely TMC) that serve as innovation showcases and networking events. TMC's value is created through relationships, shared insight, and vetted partner connections rather than a proprietary software product.

Differentiator

Problem solved

Functional benefit

Products and services

• Lender Membership Tiered annual membership program for independent mortgage banks and depositories, providing peer collaboration, benchmarking, working groups, Collaboration Labs, advisory input, and discounted access to vetted Preferred Partners.
• Preferred Partners Network A curated marketplace of over 60 vetted technology and service partners offering discounted rates to Lender Members across loan origination, verification, capital markets, compliance, and servicing categories.
• Individual Subscription Annual $2,000 subscription providing mortgage professionals at non-member companies access to peer groups, working groups, benchmarking insights, virtual engagements, educational programming, and one complimentary in-person conference registration.
• Working Groups & Focus Groups Role-specific forums for Lender Members and Preferred Partners covering Capital Markets, Compliance, Servicing, Operations, HR, Technology, Marketing, Construction Lending, Credit Unions, and Owner/Operator tracks, meeting monthly via open calls.
• Collaboration Labs Peer-led quarterly conversations on pressing industry challenges, providing practical takeaways and collaborative problem-solving among Lender Members.
• Advocacy Committee Member-driven advocacy initiative engaging with CFPB, FHFA, Ginnie Mae, HUD, and GSEs to shape federal and state mortgage policy through coordinated analysis, comment letters, and direct regulatory engagement.
• Benchmarking Lender-informed, lender-led performance benchmarking service providing shared data to shape better workflows and more efficient processes for long-term organizational stability.
• TMC Conferences (Desert Disruption & Uniquely TMC) Annual in-person conferences including Desert Disruption (Scottsdale) and Uniquely TMC (Austin), providing education, networking, and leadership development for the mortgage lending community.
• ACT Tech Summit Two-day mortgage technology competition and showcase featuring technology company pitches and live AI-driven underwriting platform demonstrations; inaugural event scheduled for August 12-13, 2026 at The Highlands Hotel in Dallas.

Quantifiable outcome

• 3,200+ collaboration hours logged annually
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

53 partnerships are on record, tiered core and preferred.

• ACT Technology Summit ParticipantscoreTechnology or Integration · 22 December 2025TMC hosting inaugural ACT Technology Summit featuring approximately 15 technology companies competing in pitch segments and live AI-driven underwriting platform demonstrations, connecting mortgage lenders with innovative solutions. Event open to TMC members and non-members.
• The ZebracoreGTM or Marketing PartnerThe Zebra is a preferred partner offering TMC lender members a co-branded home insurance platform. Through a seamless integration, lender members can offer borrowers real-time home insurance quotes from over 100 insurance partners for home and auto, reducing closing stress and creating dividend opportunities for members.
• ActiveComplypreferredTechnology or IntegrationCompliance and regulatory services partner for TMC lender members.
• BlendpreferredTechnology or IntegrationDigital lending technology partner providing mortgage automation and digital lending solutions to TMC members.
• CandorpreferredTechnology or IntegrationAutomated underwriting and fintech partner offering solutions to TMC lender members.
• CapacitypreferredTechnology or IntegrationAI-powered support and automation partner for TMC members.
• Chenoa Fund CBC Mortgage AgencypreferredTechnology or IntegrationAffordable housing and down payment assistance partner offering programs to TMC members.
• Clear CapitalpreferredTechnology or IntegrationReal estate valuation and appraisal management partner for TMC lender members.
• Darkmatter TechnologiespreferredTechnology or IntegrationMortgage software and loan origination technology partner for TMC members.
• DovenmuehlepreferredTechnology or IntegrationMortgage servicing and loan administration partner offering solutions to TMC lender members.
• Down Payment ResourcepreferredTechnology or IntegrationAffordable housing and down payment assistance technology partner for TMC members.
• Experience.compreferredTechnology or IntegrationCustomer experience management and mortgage review platform partner for TMC members.
• FICOpreferredTechnology or IntegrationCredit scoring, risk management, and analytics technology partner for TMC members.
• FigurepreferredTechnology or IntegrationDigital home equity line of credit (HELOC) and blockchain lending technology partner offering products to TMC lender members.
• FloifypreferredTechnology or IntegrationPoint-of-sale (POS) and digital mortgage automation technology partner for TMC members.
• Friday HarborpreferredTechnology or IntegrationFull-file AI underwriting platform for real-world lending, supporting TMC members with origination solutions.
• Halcyon SolutionspreferredTechnology or IntegrationMortgage tax transcript automation and financial data verification partner for TMC members.
• HousingWirepreferredGTM or Marketing PartnerMortgage news, media, and real estate market intelligence partner providing content and insights to TMC members.
• iEmergentpreferredTechnology or IntegrationMortgage market intelligence, forecasting, and data analytics partner since 2018, offering reduced pricing on Mortgage MarketSmart licensing fees and strategic advisory services to TMC members.
• Ignite Technology SolutionspreferredTechnology or IntegrationCustom software company building solutions for the mortgage industry with deep Encompass, MeridianLink, Byte, and BlueSage systems experience.
• InGeniuspreferredTechnology or IntegrationData and analytics company helping banks, lenders, and housing companies make strategic growth decisions with real-time data for loan officer recruiting, realtor partnerships, and fair lending compliance.
• Land GorillapreferredTechnology or IntegrationLeading technology provider of construction loan management software for the entire construction loan lifecycle.
• LendwarepreferredTechnology or IntegrationLead generation and AI propensity modeling platform transforming static databases into revenue through readiness-to-transact scores.
• LoanSensepreferredTechnology or IntegrationPipeline review service that alerts loan officers when borrowers can reduce student loan payments and improve debt-to-income ratios to qualify for mortgages.
• LodestarpreferredTechnology or IntegrationAutomated closing cost calculator and fee management platform bringing together service providers and government fees for quote optimization.
• Longbridge FinancialpreferredTechnology or IntegrationInnovative lender and servicer specializing in home equity solutions for senior homeowners, including reverse mortgages (HECM) and proprietary Longbridge Platinum products.
• MatchboxpreferredImplementation/ SI/ Consulting PartnerFull service advisory firm specializing in Mortgage Banking Operations solutions with expertise in Operations, Secondary, and Technology. Offers operational review, secondary review, and Encompass engagements.
• MBA (Mortgage Bankers Association)coreStrategic or Co-development PartnerNational association representing the real estate finance industry with 2,000+ member companies. TMC and MBA members are stronger together with collective industry reach and influence.
• MCT (Mortgage Capital Trading)preferredTechnology or IntegrationInnovative mortgage capital markets technology provider offering loan pipeline risk management, electronic TBA trading, and comprehensive loan trading platform (MCTlive!) with MSR services.
• MeridianLinkpreferredTechnology or IntegrationMortgage loan origination system provider (formerly LendingQB) offering 100% web-based LOS with up-front implementation fee discounts for TMC members.
• Model MatchpreferredTechnology or IntegrationData platform helping mortgage professionals identify and attract new referral and business development relationships using AI-driven insights and CRM tools.
• MQMRpreferredImplementation/ SI/ Consulting PartnerRisk and compliance services provider offering internal audit, vendor management, servicing QC, GSE applications, AML audits, and mortgage compliance services with 1,500+ operational reviews annually.
• myUtilitiespreferredGTM or Marketing PartnerUtility concierge service helping homebuyers set up essential home services (electricity, internet, security, water) through a single 15-20 minute call, generating additional revenue stream for TMC members.
• National MIpreferredTechnology or IntegrationMortgage insurance provider built to help more people realize homeownership through risk-based pricing (Rate GPS), Delegated Assurance Review, and Sensible Servicing programs.
• nCinopreferredTechnology or IntegrationUS Mortgage Suite (formerly SimpleNexus) providing mobile-first, end-to-end mortgage lending platform with discounts on upfront setup and implementation fees for TMC members.
• OcroluspreferredTechnology or IntegrationAI-powered document and data analytics platform for mortgage with automated indexing, income analysis, and discrepancy insights integrated with Fannie Mae's income calculator.
• Onward & Upward ConsultingpreferredImplementation/ SI/ Consulting PartnerLinkedIn strategy and execution consulting for mortgage industry executives and sales professionals, founded by former TMC President and COO Rich Swerbinsky.
• OptiFunderpreferredTechnology or IntegrationTechnology company transforming warehouse funding lifecycle with Genesis (WMS for originators) and Greyhound (for warehouse lenders) platforms automating funding workflows.
• Optimize (Mortgage Education)preferredImplementation/ SI/ Consulting PartnerEducational compliance solutions provider offering NMLS pre-licensure, continuing education, CFPB mandated training, and policy/procedure management for TMC members.
• PhoenixpreferredTechnology or Integration21-year advisory firm for trading, mortgage servicing and analytics with $800 billion in UPB of MSR transactions since 2013. Offers MSR valuation, brokerage, whole loan services, and analytics.
• PollypreferredTechnology or IntegrationNext generation mortgage capital markets technology with cloud-native product, pricing, and eligibility (PPE) engine and Polly/AI platform for enterprise lenders.
• ReggorapreferredTechnology or IntegrationModern automated appraisal management platform with Uber-style marketplace matching lenders with ideal appraisers for conventional, FHA, jumbo, desktop, and hybrid appraisals.
• Renovation Lending SoftwarepreferredTechnology or IntegrationTechnology platform helping lenders streamline and standardize renovation/construction loan process from application to final draw with draw management, stipulation tracking, and reporting tools.
• SnapdocspreferredTechnology or IntegrationLeading digital closing provider automating home mortgage experience with eClosing, Notary Connect, eVault, CD Balancing, Quality Control, and Trailing Document Management products.
• SocialCoachpreferredTechnology or IntegrationSocial selling suite helping mortgage professionals market, connect and close deals using social media with content library, teleprompter, scheduling, and compliance filters.
• ThoughtFocuspreferredImplementation/ SI/ Consulting PartnerStrategic consulting and technology engineering services with 3,000+ specialists offering Engineering and Innovation Center (EIC) co-creation hub for mortgage-specific accelerators and solutions.
• TitleEasepreferredTechnology or IntegrationTitle and closing franchise opportunity for qualified real estate professionals and mortgage lenders offering RESPA-compliant title and settlement services.
• Total ExpertpreferredTechnology or IntegrationPurpose-built customer engagement platform for financial services with 200+ organizations using unified data, marketing, sales, and compliance solutions. Offers full-platform and co-marketing discounts.
• TruvpreferredTechnology or IntegrationAll-in-one verification platform trusted by 120+ lenders covering income/employment, assets, and insurance verifications with up to 70% conversion rates. Offers first month free and 60-80% savings over competitors.
• UsherpapreferredTechnology or IntegrationOriginal SmartCRM for mortgage industry combining intuitive UI, automated Done-For-You Experiences, and AI data intelligence with customizable marketing suite and SmartScore AI opportunity alerts.
• Verity Global SolutionspreferredImplementation/ SI/ Consulting PartnerEnd-to-end outsourcing and automation solutions with 24/5 global workforce helping lenders originate, close, purchase, sell, and service loans with greater efficiency and margin control.
• Vice Capital MarketspreferredTechnology or IntegrationSince 2001, navigated interest rate risk on over $1 trillion in MBS trades with ViceEx all-inclusive whole-loan trading platform for secondary market strategies.
• XactuspreferredTechnology or IntegrationIntelligent verification and credit solutions provider with 160+ products including Tri-Merge Credit Reports, VOE/VOD, Flood Certification, Fraud Plus, Credit Xpert, and Undisclosed Debt Monitoring at discounted rates.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Others

• MISMO: The mortgage industry's standards and data governance body, offering working groups and collaboration forums. Comparable to TMC in convening industry participants but focused on standards rather than lender peer benchmarking.
• HousingWire: A leading mortgage and housing media outlet that, like TMC's media partnerships, connects the industry through news, events, and content. Adjacent rather than directly competitive, but competes for lender attention.
• National Mortgage Professional (NMP) Magazine: A media and community platform for mortgage professionals providing news, directories, and networking opportunities. Overlaps with TMC's role as an information and connection hub for non-member mortgage professionals.
• iEmergent: A TMC Preferred Partner providing mortgage market intelligence and forecasting. Comparable as a data-and-insights vendor integrated into TMC's lender member offerings.
• Scotsman Guide: A long-standing mortgage industry media brand covering originators, lenders, and vendors. Adjacent to TMC in serving as a discovery and credibility channel for the mortgage community.
• Housing Finance Strategies: An advisory and market-intelligence firm serving the mortgage and housing finance industry. Comparable to TMC's iEmergent-style market intelligence offerings and lender advisory work.
• Inside Mortgage Finance: A mortgage industry data, news, and events publisher serving lenders, investors, and policymakers. Functionally adjacent to TMC's benchmarking and market-intelligence value proposition.

Direct peers

• STRATMOR Group: An advisory and peer-group firm serving mortgage lenders and executives through benchmarking, peer roundtables, and research. Directly comparable to TMC's lender-focused networking and benchmarking programs.

Broad incumbents

• Mortgage Bankers Association (MBA): The largest U.S. trade association for the real estate finance industry with 2,000+ member companies. MBA overlaps directly with TMC in peer networking, education, conferences, and advocacy, but operates at much greater scale and breadth.

Regional players

• Mortgage Bankers Association of Florida: A state-level mortgage trade association providing networking, education, and advocacy for Florida-based lenders. Comparable to TMC's lender membership model but limited to a specific geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/c/TheMortgageCollaborative
• Facebookfacebook.com/mtgcoop
• LinkedInlinkedin.com/company/9382738
• Instagraminstagram.com/mtgcoop
• Xx.com/mtgcoop

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Mortgage Collaborative