The Mortgage Collaborative
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.
- Company typePrivate
- Founded2013
- HeadquartersSan Diego, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
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.
The Mortgage Collaborative firmographics
Firmographics- 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
The Mortgage Collaborative industry classification
Industry- 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
Where The Mortgage Collaborative is headquartered
LocationHeadquarters
- HQ city
- San Diego
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
The Mortgage Collaborative business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- 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.
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Individual Subscription - Annual access to TMC community and programs |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
The Mortgage Collaborative product offering
Product offeringCore 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
Companies that use The Mortgage Collaborative
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles3 records
The Mortgage Collaborative technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
The Mortgage Collaborative partnerships and signals
Strategic signalPartnerships
53 partnerships are on record, tiered core and preferred.
- ACT Technology Summit ParticipantscoreTMC 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 ZebracoreThe 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.
- ActiveComplypreferredCompliance and regulatory services partner for TMC lender members.
- BlendpreferredDigital lending technology partner providing mortgage automation and digital lending solutions to TMC members.
- CandorpreferredAutomated underwriting and fintech partner offering solutions to TMC lender members.
- CapacitypreferredAI-powered support and automation partner for TMC members.
- Chenoa Fund CBC Mortgage AgencypreferredAffordable housing and down payment assistance partner offering programs to TMC members.
- Clear CapitalpreferredReal estate valuation and appraisal management partner for TMC lender members.
- Darkmatter TechnologiespreferredMortgage software and loan origination technology partner for TMC members.
- DovenmuehlepreferredMortgage servicing and loan administration partner offering solutions to TMC lender members.
- Down Payment ResourcepreferredAffordable housing and down payment assistance technology partner for TMC members.
- Experience.compreferredCustomer experience management and mortgage review platform partner for TMC members.
- FICOpreferredCredit scoring, risk management, and analytics technology partner for TMC members.
- FigurepreferredDigital home equity line of credit (HELOC) and blockchain lending technology partner offering products to TMC lender members.
- FloifypreferredPoint-of-sale (POS) and digital mortgage automation technology partner for TMC members.
- Friday HarborpreferredFull-file AI underwriting platform for real-world lending, supporting TMC members with origination solutions.
- Halcyon SolutionspreferredMortgage tax transcript automation and financial data verification partner for TMC members.
- HousingWirepreferredMortgage news, media, and real estate market intelligence partner providing content and insights to TMC members.
- iEmergentpreferredMortgage 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 SolutionspreferredCustom software company building solutions for the mortgage industry with deep Encompass, MeridianLink, Byte, and BlueSage systems experience.
- InGeniuspreferredData 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 GorillapreferredLeading technology provider of construction loan management software for the entire construction loan lifecycle.
- LendwarepreferredLead generation and AI propensity modeling platform transforming static databases into revenue through readiness-to-transact scores.
- LoanSensepreferredPipeline review service that alerts loan officers when borrowers can reduce student loan payments and improve debt-to-income ratios to qualify for mortgages.
- LodestarpreferredAutomated closing cost calculator and fee management platform bringing together service providers and government fees for quote optimization.
- Longbridge FinancialpreferredInnovative lender and servicer specializing in home equity solutions for senior homeowners, including reverse mortgages (HECM) and proprietary Longbridge Platinum products.
- MatchboxpreferredFull 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)coreNational 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)preferredInnovative mortgage capital markets technology provider offering loan pipeline risk management, electronic TBA trading, and comprehensive loan trading platform (MCTlive!) with MSR services.
- MeridianLinkpreferredMortgage loan origination system provider (formerly LendingQB) offering 100% web-based LOS with up-front implementation fee discounts for TMC members.
- Model MatchpreferredData platform helping mortgage professionals identify and attract new referral and business development relationships using AI-driven insights and CRM tools.
- MQMRpreferredRisk 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.
- myUtilitiespreferredUtility 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 MIpreferredMortgage insurance provider built to help more people realize homeownership through risk-based pricing (Rate GPS), Delegated Assurance Review, and Sensible Servicing programs.
- nCinopreferredUS Mortgage Suite (formerly SimpleNexus) providing mobile-first, end-to-end mortgage lending platform with discounts on upfront setup and implementation fees for TMC members.
- OcroluspreferredAI-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 ConsultingpreferredLinkedIn strategy and execution consulting for mortgage industry executives and sales professionals, founded by former TMC President and COO Rich Swerbinsky.
- OptiFunderpreferredTechnology company transforming warehouse funding lifecycle with Genesis (WMS for originators) and Greyhound (for warehouse lenders) platforms automating funding workflows.
- Optimize (Mortgage Education)preferredEducational compliance solutions provider offering NMLS pre-licensure, continuing education, CFPB mandated training, and policy/procedure management for TMC members.
- Phoenixpreferred21-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.
- PollypreferredNext generation mortgage capital markets technology with cloud-native product, pricing, and eligibility (PPE) engine and Polly/AI platform for enterprise lenders.
- ReggorapreferredModern automated appraisal management platform with Uber-style marketplace matching lenders with ideal appraisers for conventional, FHA, jumbo, desktop, and hybrid appraisals.
- Renovation Lending SoftwarepreferredTechnology platform helping lenders streamline and standardize renovation/construction loan process from application to final draw with draw management, stipulation tracking, and reporting tools.
- SnapdocspreferredLeading digital closing provider automating home mortgage experience with eClosing, Notary Connect, eVault, CD Balancing, Quality Control, and Trailing Document Management products.
- SocialCoachpreferredSocial selling suite helping mortgage professionals market, connect and close deals using social media with content library, teleprompter, scheduling, and compliance filters.
- ThoughtFocuspreferredStrategic consulting and technology engineering services with 3,000+ specialists offering Engineering and Innovation Center (EIC) co-creation hub for mortgage-specific accelerators and solutions.
- TitleEasepreferredTitle and closing franchise opportunity for qualified real estate professionals and mortgage lenders offering RESPA-compliant title and settlement services.
- Total ExpertpreferredPurpose-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.
- TruvpreferredAll-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.
- UsherpapreferredOriginal 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 SolutionspreferredEnd-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 MarketspreferredSince 2001, navigated interest rate risk on over $1 trillion in MBS trades with ViceEx all-inclusive whole-loan trading platform for secondary market strategies.
- XactuspreferredIntelligent 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
The Mortgage Collaborative competitors and assessment
Company assessmentOthers
- 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
The Mortgage Collaborative social profiles
Digital presenceThe Mortgage Collaborative financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Mortgage Collaborative leadership team
Management profileNumber of profiles
Profiles4 records
The Mortgage Collaborative funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Mortgage Collaborative M&A and investment
M&A and investmentM&A
Investments4 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Mortgage Collaborative
What does The Mortgage Collaborative do?
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.
Is The Mortgage Collaborative a public or private company?
The Mortgage Collaborative is a private company. It is classified as management employee owned and is currently operating.
When was The Mortgage Collaborative founded?
The Mortgage Collaborative was founded in 2013. It employs 11 to 50 people.
Where is The Mortgage Collaborative based?
The Mortgage Collaborative is headquartered in San Diego, United States, in the North America region.
How does The Mortgage Collaborative make money?
Three revenue lines are on record. Lender Membership Fees are the primary driver. The others are individual Subscription and preferred Partner Program.
Who are The Mortgage Collaborative's main competitors?
Others on record are MISMO, HousingWire, National Mortgage Professional (NMP) Magazine, iEmergent, Scotsman Guide, Housing Finance Strategies and Inside Mortgage Finance. STRATMOR Group is listed as a direct peer. Mortgage Bankers Association (MBA) is listed as a broad incumbent. Mortgage Bankers Association of Florida is listed as a regional player.
Does The Mortgage Collaborative have an API?
No public API is recorded for The Mortgage Collaborative.
What industry is The Mortgage Collaborative in?
The Mortgage Collaborative's product category is Mortgage Industry Membership Network. Its primary akta.pro industry code is FSAEAMAA, Mortgage & Loan Introducers (Residential & Commercial), with a secondary code of FSALABAJ, Mortgage Comparison, Marketplace & Rate-Shopping Platforms. Its NAICS code is 522310 and its SIC code is 6163.