Keller Mortgage
Keller Mortgage is a U.S. retail mortgage lender operating as a division of Mutual of Omaha Mortgage, Inc., originating purchase, refinance, and vacant land loans for individual consumers via loan officers, an online portal, and real estate agent partnerships through its Agent+ program.
- Company typePrivate
- Founded2005
- HeadquartersSan Diego, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Keller Mortgage does
Keller Home Loans, operating under the brand Keller Mortgage, is a U.S. retail mortgage lender that originates purchase loans, refinance loans, and vacant land financing for individual home buyers and existing homeowners. It is a division of Mutual of Omaha Mortgage, Inc. (NMLS ID 1025894), itself a subsidiary of Mutual of Omaha, a mutual insurance company; the operating entity is headquartered at 3131 Camino Del Rio North, Suite 1100, San Diego, California, and holds mortgage lending, broker, banker, and servicer licenses across most U.S. states.
The product surface is a conventional retail mortgage offering: FHA, VA, USDA, and jumbo loan programs delivered through a six-step purchase process, an online mortgage application portal, and three consumer-facing calculators (payment, affordability, refinance). The unit's most distinctive offering is Agent+, a dual-licensing program that enables real estate agents to obtain mortgage loan originator licensing alongside their real estate license, creating a referral and co-origination channel into the Keller origination pipeline. No proprietary technology platform or AI/ML capability is disclosed.
Keller generates revenue through transaction-based mortgage origination: origination fees at closing plus interest rate spread on originated loans, with revenue recognized at the point of loan origination. Distribution is sales-led, combining direct loan officer engagement, a self-serve online application channel, and real estate agent partnerships through Agent+. The unit is privately held under a mutual insurance parent, with no external venture capital, private equity, or public market exposure, and no standalone financial disclosures are available.
Keller Mortgage firmographics
Firmographics- Name
- Keller Mortgage
- Legal name
- Mutual of Omaha Mortgage, Inc.
- Website
- https://kellermortgage.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Keller Mortgage is a U.S. retail mortgage lender operating as a division of Mutual of Omaha Mortgage, Inc., originating purchase, refinance, and vacant land loans for individual consumers via loan officers, an online portal, and real estate agent partnerships through its Agent+ program.
- Ownership category
- akta.pro rank
Keller Mortgage industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)
Keywords
Where Keller Mortgage is headquartered
LocationHeadquarters
- HQ city
- San Diego
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Keller Mortgage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Mortgage Origination and Lending: Keller Home Loans generates revenue through mortgage origination fees and interest rate spreads on loans originated for home purchases and refinancing. As a mortgage lender, they earn fees at closing and potentially service loans. Revenue is transaction-based, occurring at point of loan origination.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Standard mortgage lending rates and fees |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Keller Mortgage product offering
Product offeringCore offering
Keller Mortgage (operating as Keller Home Loans) is a residential mortgage lender that originates home purchase loans, refinancing loans, and vacant land financing for individual consumers across the United States. The company guides borrowers through a structured six-step purchase process via licensed loan officers and an online application portal. It also offers an Agent+ dual licensing program that enables real estate agents to become licensed mortgage loan originators alongside their real estate license.
Product overview
Keller Home Loans is a mortgage lending division of Mutual of Omaha Mortgage, Inc. offering a unified suite of home loan products centered around purchase mortgages and refinancing. The core offerings include Loan Offerings (purchase and refinance products), a Mortgage Application portal, and specialized Financing for Vacant Land. Add-on services include Agent+, a dual-licensing program for real estate agents, and three complementary online tools (Payment Calculator, Affordability Calculator, and Refinance Calculator) designed to help borrowers assess affordability and compare options. The company operates as a single-brand, service-oriented mortgage platform with licensed operations across most U.S. states.
Differentiator
Problem solved
Functional benefit
Brands
- Agent+: A dual licensing opportunity program for real estate agents to obtain mortgage licensing alongside their real estate license.
Products and services
- Loan Offerings (Purchase and Refinance Mortgages)
- Online Mortgage Application
- Financing for Vacant Land
- Agent+ Dual Licensing Program
Companies that use Keller Mortgage
Customer profileSegments2 records
Ideal customer profiles2 records
Keller Mortgage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Keller Mortgage partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Real Estate Agents (Agent+ Program)coreKeller Home Loans offers a dual licensing opportunity for real estate agents through their Agent+ program. This enables real estate professionals to also originate mortgages, creating a seamless home buying experience for their clients. Agents can refer clients to Keller Home Loans or become licensed mortgage originators themselves, expanding their service offerings and revenue potential.
Recent moves5 records
Expansion highlights5 records
Keller Mortgage competitors and assessment
Company assessmentDirect peers
- Rocket Mortgage: Largest U.S. retail mortgage originator, offering purchase and refinance loans through both direct loan officers and a digital application platform. Directly comparable to Keller in core product set, customer base, and multi-channel distribution model, but at vastly larger scale.
- loanDepot: National retail and wholesale mortgage lender with a similar mix of purchase and refinance products distributed via loan officers and online channels. Closely comparable business model and customer segment to Keller Home Loans.
- Guild Mortgage: Retail-focused residential mortgage originator with branch-based loan officers and a broad FHA/VA/USDA product suite. Similar size tier and customer base to Keller, with comparable reliance on loan-officer-driven origination.
- NewRez (Shellpoint Mortgage Servicing): National residential mortgage lender and servicer offering purchase and refinance products through retail and wholesale channels. Comparable scale and product mix to Keller, with similar retail-loan-officer distribution.
- CrossCountry Mortgage: Fast-growing retail mortgage lender with a large branch network and broad product offerings including FHA, VA, USDA, and jumbo. Comparable retail-direct model and similar employee scale to Keller.
- PennyMac Financial Services: Large mortgage originator and servicer with retail, wholesale, and correspondent channels. Comparable product set to Keller but at materially larger scale and with servicing income that Keller does not appear to emphasize.
- Caliber Home Loans: National residential mortgage originator with retail and wholesale channels offering purchase and refinance products. Similar product mix and customer base to Keller, with comparable mid-tier scale.
- Fairway Independent Mortgage: Retail mortgage lender operating through a large branch network of loan officers with a broad product suite including conventional, FHA, VA, USDA, and jumbo. Closely comparable retail-direct business model and scale to Keller.
Emerging players
- Better.com: Digital-first mortgage lender focused on a fully online, low-touch origination experience. Competes for the same purchase and refinance customers as Keller but via a fundamentally different (and more scalable) technology model.
Broad incumbents
- United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender, focused on the broker channel rather than retail. Operates in the same residential origination market as Keller but serves independent mortgage brokers as customers rather than end-borrowers directly.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Keller Mortgage social profiles
Digital presenceKeller Mortgage compliance and trust
Trust signalCompliance2 records
Keller Mortgage financial estimates
Financial estimateRevenue estimate
Valuation estimate
Keller Mortgage leadership team
Management profileNumber of profiles
Keller Mortgage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Keller Mortgage 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 Keller Mortgage
What does Keller Mortgage do?
Keller Mortgage (operating as Keller Home Loans) is a residential mortgage lender that originates home purchase loans, refinancing loans, and vacant land financing for individual consumers across the United States. The company guides borrowers through a structured six-step purchase process via licensed loan officers and an online application portal. It also offers an Agent+ dual licensing program that enables real estate agents to become licensed mortgage loan originators alongside their real estate license.
Is Keller Mortgage a public or private company?
Keller Mortgage is a private company. It is classified as corporate owned and is currently operating.
When was Keller Mortgage founded?
Keller Mortgage was founded in 2005. It employs 251 to 500 people.
Where is Keller Mortgage based?
Keller Mortgage is headquartered in San Diego, United States, in the North America region.
How does Keller Mortgage make money?
One revenue line is on record: mortgage Origination and Lending.
Who are Keller Mortgage's main competitors?
Direct peers on record are Rocket Mortgage, loanDepot, Guild Mortgage, NewRez (Shellpoint Mortgage Servicing), CrossCountry Mortgage, PennyMac Financial Services, Caliber Home Loans and Fairway Independent Mortgage. Better.com is listed as an emerging player. United Wholesale Mortgage (UWM) is listed as a broad incumbent.
Does Keller Mortgage have an API?
No public API is recorded for Keller Mortgage.
What industry is Keller Mortgage in?
Keller Mortgage's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAD, Purchase Mortgage Origination (Homebuyer Focused). Its NAICS code is 522292 and its SIC code is 6162.