Mortech

What Mortech does

Mortech is a Lincoln, Nebraska-based mortgage technology company founded in 1987 and operating as a wholly-owned subsidiary of Zillow Group (NASDAQ: Z/ZG) since its 2012 acquisition. The company builds and operates the Marksman product and pricing engine (PPE), a SaaS platform providing real-time mortgage loan pricing from over 400 investor rate sheets, automated compliance checks against QM, HOEPA, and AllRegs guidelines, secondary marketing and lock desk automation, lead management, and predictive analytics. Its customer base spans correspondent lenders, mortgage bankers, credit unions, and community lenders, with named accounts including Axos Bank, NBKC Bank, Stride Bank, First Internet Bank, HomePlus Corporation, Loan Pronto, KS StateBank, and LendingPad users.

Mortech generates revenue primarily through subscription-based access to the Marksman PPE, with pricing tiered by lender volume and feature requirements and no minimum monthly spend commitment. Go-to-market combines a direct enterprise sales force, self-serve API access for technical integrations, and consumer-facing marketplace distribution through Zillow Mortgage Marketplace, LendingTree, Bankrate, Credit Karma, NerdWallet, Quinstreet, Own Up, and several additional comparison platforms. Mortech Protection, launched in June 2018, represents a differentiated product line that leverages parent Zillow's property and behavioral data to predict which addresses in a lender's servicing portfolio are likely to list for sale within 90 days, supporting customer retention and new purchase opportunity sourcing.

The platform is embedded across the major US loan origination systems through bi-directional integrations with Ellie Mae Encompass, Calyx Path/Point, BytePro, Blend, Roostify, and LendingPad, plus risk-based pricing integrations with private mortgage insurers Arch MI, National MI, and Essent. The company holds SOC 2 Type 2 certification and has received the HousingWire HW TECH100 designation in 2015 and 2019 and the Mortgage Technology Top 50 Service Provider recognition every year since 2010. Operations are headquartered in Lincoln, Nebraska, with a headcount range of 11–50 employees as a Zillow Group business unit.

Name

Mortech

Legal name

Mortech

Website

https://mortech.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

11–50 employees

Short description

Mortech, a Zillow Group subsidiary founded in 1987 in Lincoln, Nebraska, provides the Marksman mortgage product and pricing engine and Mortech Protection predictive analytics to thousands of correspondent lenders, mortgage bankers, credit unions, and community lenders across the United States.

Ownership category

akta.pro rank

Product category

Mortgage Technology Software

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Product, Pricing & Eligibility (PPE) / Rate Lock & Pricing Engines (FSALALAC)

akta.pro secondary industry

Wholesale Lock Desk, Pricing & TPO Support Services (FSALACAJ)

Keywords

• Mortgage pricing engine
• Product and pricing engine
• Mortgage technology software
• Secondary marketing solutions
• Predictive mortgage analytics

Headquarters

HQ city

Lincoln

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription/Pricing Engine Licensing: Subscription-based access to Mortech's product and pricing engine (Marksman) with pricing tiers based on lender volume and features required.
2. API/Integration Services: Revenue from mortgage APIs enabling rate quoting, eligibility checking, and system integrations for lender websites and LOS platforms.
3. Predictive Analytics (Mortech Protection): Customer retention analytics platform providing predictive listing data for marketing targeting.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels4 records

Core offering

Mortech provides the Marksman mortgage product and pricing engine (PPE), a SaaS platform that enables mortgage lenders, bankers, credit unions, and secondary market teams to compare, price, and lock loan products from multiple investors in real time. Built around Marksman, the company offers complementary solutions including Mortech Protection (predictive customer retention analytics powered by Zillow data), Mortgage APIs, Online Rate Quoting distribution to online marketplaces, and Secondary Marketing automation for lock desk operations.

Product overview

Mortech is a mortgage technology company that provides a suite of integrated mortgage pricing and lending solutions. The core product is the Marksman Mortgage Pricing Engine (PPE), which serves as the central platform offering mortgage pricing tools, product eligibility data, and investor pricing. Built on this core are several integrated modules: Predictive Analytics (Mortech Protection) for customer retention; Mortgage APIs for developer integration; Online Rate Quoting for marketplace distribution; Secondary Marketing for lock desk and desk operations; Lead Management for prospect and lead tracking; and a Compliance Suite for QM, HOEPA, and AllRegs checks. The company also offers custom lender websites. All products are connected through a unified data layer with extensive third-party integrations across LOS, CRM, mortgage insurance, and marketplace platforms.

Differentiator

Problem solved

Functional benefit

Brands

• Marksman: Industry-leading product and pricing engine (PPE) that provides mortgage pricing, product eligibility data, and investor pricing for mortgage professionals.
• Mortech Protection
• MarksmanLMP

Products and services

• Marksman Mortgage Pricing Engine (PPE) Flagship product and pricing engine (PPE) that enables loan officers to compare, price, and lock mortgage products from multiple investors within a single interface, supporting over 400 investor rate sheets.
• Mortech Protection (Predictive Analytics) Predictive listing analytics platform that uses Zillow data to identify addresses within a lender's customer database currently listed for sale or likely to list within 90 days, supporting customer retention marketing.
• Mortgage APIs A suite of mortgage rate APIs enabling developers to integrate real-time mortgage rate data, product eligibility, and pricing into lender websites, loan origination systems, CRM, and POS platforms.
• Online Rate Quoting Service enabling lenders to push live mortgage offers to the industry's top online marketplaces, including Zillow Mortgage Marketplace, LendingTree, Bankrate, Credit Karma, NerdWallet, and Quinstreet.
• Secondary Marketing Secondary marketing desk solution that automates and streamlines daily operations with historical pricing, LOS integrations, lock pipeline management, custom reporting, loan officer compensation, and the ability to lock directly with investors.
• Marksman Lead Management Lead management solution with a sales dashboard, rate tracker, automated lead distribution, email marketing, and click-to-dial functionality directly within Marksman.
• Marksman Compliance Suite Compliance management system within Marksman covering QM tests, HPML, HOEPA, AllRegs eligibility, and anti-steering workflows with built-in auditing tools.
• Mortgage Lender Websites Custom WordPress-powered websites for mortgage lenders including personalized domain names, templates, SEO content, responsive design, real-time rate quotes, loan officer lookup, mortgage calculators, and educational resources.

Quantifiable outcome

• Closed loan volume doubled for HomePlus Mortgage after switching to Mortech
• +5 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration19 records

AI capability2 records

Feature7 records

Partnerships

19 partnerships are on record, tiered core, minor and flagship.

• LendingPadcoreTechnology or Integration · 15 December 2022Cloud-based LOS integration providing seamless data transfer and streamlined lock process with real-time and historical pricing visibility within LendingPad platform.
• Solve FinanceminorGTM or Marketing Partner · 7 December 2021Online marketplace partnership providing mutual lenders opportunity to advertise mortgage offers live to consumers using Solve Finance's platform.
• BestMoneyminorGTM or Marketing Partner · 15 September 2021Natural Intelligence company marketplace integration enabling lenders to advertise live mortgage offers to millions of potential borrowers and match with home buyers needing financing.
• EssentcoreTechnology or Integration · 23 June 2021Private mortgage insurer integration enabling lenders to quote MI premiums through EssentEDGE risk-based pricing engine within Mortech's PPE platform.
• National MIcoreTechnology or Integration · 2 March 2021Integration bringing National MI's Rate GPS risk-based mortgage insurance pricing tool to lenders using Mortech's PPE, improving operational efficiencies and reducing loan officer cycle time.
• CalyxcoreTechnology or Integration · 18 November 2020Path and Point LOS integration with Mortech's Marksman PPE, enabling loan officers to access mortgage pricing, eligibility, and compare loan scenarios from over 400 investor rate sheets.
• Mortgage Research CenterminorGTM or Marketing Partner · 12 November 2020Marketplace partnership providing lenders additional market opportunities to advertise real-time mortgage offers and expand customer reach.
• RoofstockminorGTM or Marketing Partner · 12 November 2020Marketplace partnership for real estate investment property financing, expanding lender reach to investors buying and selling properties.
• Own UpminorGTM or Marketing Partner · 8 October 2020Mortgage marketplace integration bringing transparency and digital shopping experience to borrowers, with lenders displaying live loan offerings and rates.
• FreeRateUpdate.comminorGTM or Marketing Partner · 3 September 2020Mortgage rate marketplace enabling lenders to push real-time mortgage offers to borrowers through the FreeRateUpdate platform.
• BlendcoreTechnology or Integration · 18 June 2019Digital lending platform integration providing loan officers with Mortech's real-time mortgage rate data directly within Blend interface.
• RoostifycoreTechnology or Integration · 26 March 2019Digital lending platform integration enhancing online mortgage experience by combining Mortech's accurate pricing with Roostify's consumer-facing application process.
• Arch MIcoreTechnology or Integration · 16 April 2018Mortgage insurance integration delivering live RateStar risk-based pricing through Marksman PPE, with immediate access to MI quotes for applicable scenarios.
• Mortgage Capital Trading (MCT)coreTechnology or Integration · 18 October 2017Secondary marketing solutions partnership providing lenders with tools for hedging and executing trades with Mortech data visible within MCT's interface.
• ResitradercoreTechnology or Integration · 18 October 2017Secondary marketing solutions partnership for lenders looking to hedge and execute trades, with Mortech data and pricing models viewable within Resitrader.
• Byte SoftwarecoreTechnology or Integration · 18 October 2016BytePro LOS integration providing access to Mortech's mortgage pricing, eligibility information, and comparison of loan scenarios from over 400 investor rate sheets.
• Calyx (Point)coreTechnology or Integration · 8 December 2015Point and PointCentral LOS integration enabling users to access Mortech pricing and compare loan pricing scenarios from over 400 investor rate sheets.
• Ellie MaeflagshipTechnology or Integration · 18 August 2015Encompass all-in-one mortgage management solution integration with bi-directional data transfer, providing instant access to Marksman pricing, lock desk, and secondary tools within Encompass.
• AllRegscoreTechnology or Integration · 17 December 2013Exclusive partnership for automated investor underwriting guidelines eligibility testing, with results automatically color-coded for loan officer qualification assessment.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• FIS LoanSphere: FIS LoanSphere is an enterprise mortgage processing platform serving large banks and credit unions. It competes with Mortech in the pricing, eligibility, and secondary marketing workflows for correspondent and wholesale lenders, particularly among large financial institutions.
• Black Knight (now part of ICE): Black Knight provides loan origination, servicing, and secondary marketing technology across the mortgage lifecycle. Its Empower LOS and product/pricing capabilities overlap with Mortech's Marksman, and post-merger integration with ICE consolidates competitive pressure on independent PPE vendors.
• ICE Mortgage Technology (Encompass): ICE Mortgage Technology (formerly Ellie Mae) operates the dominant Encompass loan origination system used by the majority of U.S. mortgage lenders. Mortech has a flagship integration with Encompass, but ICE also offers competing pricing and product capabilities, making it both Mortech's largest distribution channel and a potential long-term competitive threat.
• Finastra: Finastra provides broad mortgage and retail banking technology including origination and pricing components. As a large financial technology incumbent, it competes with Mortech at the enterprise banking and credit union segment.

Direct peers

• QuestSoft: QuestSoft provides mortgage compliance, income calculation, and product/pricing eligibility technology to lenders. It overlaps with Mortech's Compliance Suite and parts of the Marksman product and pricing engine workflow.
• Mortgage Cadence: Mortgage Cadence (an Accenture company) provides an enterprise mortgage origination platform with built-in pricing, product, and secondary marketing functionality. It directly overlaps with Mortech's Marksman capabilities for large-scale lender deployments.
• Optimal Blue: Optimal Blue is a leading mortgage product and pricing engine and secondary marketing platform serving lenders across the U.S. It directly competes with Mortech's Marksman in the correspondent, wholesale, and retail lender channels.
• BlueSage Solutions: BlueSage provides a cloud-based digital mortgage platform with built-in product and pricing engine functionality. It competes with Mortech in the modern, API-first pricing engine category targeted at lenders seeking cloud-native alternatives.
• LenderLive: LenderLive provides mortgage technology and outsourced services including loan pricing, lock desk, and secondary marketing support. It serves similar correspondent and community lender segments as Mortech.

Emerging players

• Candor Technology: Candor Technology offers an AI-driven mortgage underwriting and pricing platform. It represents an emerging competitive threat to Mortech in the pricing and eligibility layer, particularly for lenders looking to automate decisions using predictive models.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Mortech
• Facebookfacebook.com/mortechinc
• LinkedInlinkedin.com/company/mortech-inc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Mortech