PCL Financial Group

What PCL Financial Group does

PCL Financial Group operates as a California-based residential and reverse mortgage lending team branded as "The Klein Team," functioning as a branch-level production unit under Golden Empire Mortgage, Inc. (GEM Mortgage, NMLS ID 2427). The team originates purchase mortgages, refinance loans, reverse mortgages for borrowers aged 62+, construction loans, and commercial property loans, supported by an educational content stack (blog, video library, annual reverse mortgage webinar, mortgage calculators, Mortgage News) and a self-serve online application portal at securehomeconnect.com. The service model is explicitly relationship-driven under a proprietary C.A.R.E. (Create A Referable Experience) framework emphasizing pre-underwriting, consultant-style advice, and referrals.

The business generates revenue through mortgage origination gain-on-sale economics (loan officer commissions, lender fees on funded loans) on a quote-based pricing model where individual rates and terms are provided by loan officers rather than publicly listed. Distribution is hybrid: direct sales via phone and email with seven named NMLS-licensed loan officers (Mark Klein, Pattye Zeto, Josh Lampel, Marcos Morales, Adam Klein, Kelly Smith, Doug Perry), supplemented by content marketing, social media (Facebook, Instagram), and partner referrals generated through the C.A.R.E. experience philosophy. The customer base is fragmented across individual homebuyers, refinance borrowers, seniors seeking equity access, and a smaller set of construction and commercial borrowers, all served primarily within California with multi-state licensing available through the parent entity.

No proprietary technology, AI/ML capability, or funded loan volume is disclosed; the company operates with 11–50 employees and relies on the parent's regulatory license (California Residential Mortgage Lending Act license 413-0360) for compliance. Recognition signals are limited to publicly displayed INC 5000 and BBB badges and a feature in MortgageLoan.com, with no enterprise customers, partnerships, M&A, or funding events identified in the source data.

Name

PCL Financial Group

Legal name

Golden Empire Mortgage, Inc.

Website

https://pclfinancialgroup.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

PCL Financial Group (The Klein Team at GEM Mortgage) is a California-based mortgage lending team originating purchase, refinance, reverse, construction, and commercial loans for individual borrowers and small commercial clients, operating under Golden Empire Mortgage, Inc.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Other Activities Related to Credit Intermediation (522390)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Prime (Agency/Conforming) Mortgage Servicing (FSALAEAA)

akta.pro secondary industry

Reverse Mortgage Valuation, Title & Closing Services (Appraisal/Settlement) (FSALAIAH)

Keywords

• Residential mortgage lending
• Reverse mortgage services
• Home refinance loans
• Construction lending
• Commercial property financing

Headquarters

HQ city

Westlake Village

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Distribution channels2 records

Marketing channels7 records

Core offering

PCL Financial Group, operating as The Klein Team at GEM Mortgage, is a residential mortgage lender offering purchase mortgages, refinance loans, reverse mortgages for seniors aged 62+, construction loans, and commercial property financing. The firm is a division of Golden Empire Mortgage, Inc. (GEM), a California-based mortgage lender and servicer, providing loan origination services through a team of licensed loan officers (NMLS #2795725).

Product overview

The Klein Team at GEM Mortgage operates as a full-service residential mortgage lender offering a unified product portfolio centered on mortgage lending. The core offering spans purchase mortgages, refinance mortgages, reverse mortgages, construction lending, and commercial property lending. These are complemented by an educational Reverse Mortgage E-Book, a Mortgage News resource section, a Video Library, and Mortgage Calculators. The company is organized under GEM Mortgage, a division of Golden Empire Mortgage, Inc., and functions as a loan officer team rather than a software product company.

Differentiator

Problem solved

Functional benefit

Brands

• GEM Mortgage: Division of Golden Empire Mortgage, Inc. operating as a residential mortgage lender and servicer.

Products and services

• Purchase Mortgage Lending Mortgage lending services for homebuyers purchasing residential properties, including single-family homes, providing access to various loan programs tailored to borrower needs.
• Refinance Mortgage Lending Refinancing services allowing existing mortgage holders to replace their current loan with a new one, potentially securing better rates or accessing home equity.
• Reverse Mortgages Specialized mortgage product allowing qualified homeowners aged 62+ to convert home equity into cash flow without monthly mortgage payments, supported by an E-Book resource and dedicated webinar content.
• Construction Lending Financing solutions for home construction projects, enabling borrowers to fund the building of new residential properties.
• Commercial Property Lending Mortgage lending services for commercial real estate investors and business owners seeking financing for non-residential property acquisitions or developments.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Expansion highlights5 records

Direct peers

• Guild Mortgage Company: West Coast-headquartered residential mortgage lender with strong California presence offering purchase, refinance, FHA, VA, and reverse mortgage products — directly comparable geographic concentration and product mix.
• Fairway Independent Mortgage Corporation: Mid-sized, multi-channel U.S. mortgage lender offering purchase, refinance, renovation, and reverse mortgage products through a relationship-driven branch model — directly comparable in size, product breadth, and consultative go-to-market.
• Open Mortgage: Mid-sized independent mortgage lender with a strong reverse mortgage division and relationship-driven branch model — comparable in size and reverse-mortgage product emphasis.
• Paramount Equity (dba Proficio Mortgage Ventures / formerly Longbridge Financial): Specialized reverse mortgage lender and servicer with content-driven marketing (webinars, educational content) targeting the 62+ demographic — most direct comparable for PCL's reverse mortgage practice.

Broad incumbents

• loanDepot: Large national retail and wholesale mortgage lender offering purchase, refinance, HELOC, and reverse mortgages across all 50 states — a broad incumbent competitor for the same customer segments.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender — not a direct retail competitor but shapes the broker/wholesale channel pricing that PCL/The Klein Team must compete with in California.
• Rocket Mortgage (Rocket Companies): Largest U.S. retail mortgage lender with a fully digital application experience — sets the customer-experience benchmark that small consultative lenders like PCL must differentiate against.
• NewRez (formerly New Penn Financial): National residential mortgage originator and servicer offering purchase, refi, HELOC, and reverse mortgages — broad incumbent with overlapping product mix and California exposure.
• Caliber Home Loans: National direct-to-consumer mortgage lender with diversified purchase, refinance, and reverse mortgage products — broad incumbent operating at scale PCL cannot match.

Emerging players

• Better.com: Digital-first mortgage lender with an end-to-end online application — represents the technology-enabled challenger model that small consultative lenders must adapt to or risk losing younger borrowers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/pclfinancialgroup
• Instagraminstagram.com/thekleinteamgroup
• Xx.com/pclfinancial
• LinkedInlinkedin.com/company/pcl-financial-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 PCL Financial Group