Secure Choice Lending

What Secure Choice Lending does

Secure Choice Lending, Inc. is a privately held, independently-owned mortgage lender headquartered in Riverside, California, operating across more than 45 states under NMLS ID 1689518 and California Department of Real Estate license #02050654. Founded circa 2022, the company originates and brokers a full product suite including conventional, FHA, VA, Jumbo, fixed-rate, adjustable-rate, Home Ready, Home Possible, refinancing, FHA Streamline, VA IRRRL, and reverse mortgage loans through a distributed network of 130+ loan officers. The company differentiates on a "no origination fee" pricing stance and a specialized program for California public employees (CalTAP) offering zero lender fees, rate guarantees, and cash-back at closing.

Revenue is generated transactionally: primarily through interest spread on originated and brokered mortgages, supplemented by tiered listing fees (starting at 1.00% for $900K+ homes plus a $995 marketing fee) on its wholly-owned ListingCalifornia.com real estate platform launched in March 2026. Distribution is hybrid: direct sales through the internal loan officer network, self-service via securechoicelending.com with an online mortgage calculator and application, and referral channels through partnerships with TAPUSA, Clever Real Estate, and independent realtors.

Operationally, Secure Choice Lending deploys AI-assisted tooling across preliminary eligibility screening, loan product and rate recommendations, document classification and extraction, fraud detection, and AI-generated email/SMS/voice customer communications (some without per-message human review), backed by proprietary CRM and marketing automation systems. The platform uses an application-layer AI stack rather than proprietary models, with no published research, patents, or benchmarks disclosed. Headcount is reported at 11–50 employees alongside the 130+ licensed loan officers, suggesting a lean corporate core with a distributed commissioned salesforce.

Name

Secure Choice Lending

Legal name

Secure Choice Lending, Inc.

Website

https://securechoicelending.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Secure Choice Lending is a privately held Riverside, California-based mortgage lender originating conventional, FHA, VA, Jumbo, refinance, and reverse mortgage loans through 130+ loan officers across 45+ states, with a "no origination fee" model and a specialized CalTAP program for California public employees.

Ownership category

akta.pro rank

Product category

Consumer Mortgage Lending

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industry

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

Keywords

• Mortgage lending
• Home loan services
• Refinancing services
• Reverse mortgages
• Real estate platform

Headquarters

HQ city

Riverside

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Lending: Traditional mortgage lending revenue through interest spread on originated loans including purchase mortgages, refinances, reverse mortgages, and government-backed loans (FHA, VA). Company operates as both direct lender and mortgage broker.
2. Real Estate Platform Services: ListingCalifornia.com platform offering tiered listing fees starting at 1.00% for homes $900,000 and above, with all listings including a $995 marketing fee. Up to $10,000 cash-back at closing for buyers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Secure Choice Lending is a full-service mortgage lender that originates and brokers a comprehensive range of home loan products including Conventional, FHA, VA, Jumbo, Fixed Rate, Adjustable Rate, Home Ready, Home Possible loans, as well as Refinance, FHA Streamline, VA IRRRL, and Reverse Mortgage products. The company charges no origination fees and operates a network of 130+ loan officers serving homebuyers and homeowners across 45+ states. In March 2026, the company expanded into real estate services through the launch of the ListingCalifornia.com platform offering tiered listing fees and buyer cash-back incentives.

Product overview

Secure Choice Lending is a full-service mortgage lender offering a comprehensive suite of mortgage products and services. The company operates primarily as a direct lender with a broad portfolio including Conventional Loans, FHA Loans, VA Loans, Jumbo Loans, Fixed Rate and Adjustable Rate options, Home Ready, Home Possible, Refinance products, FHA Streamline, VA IRRRL, and Reverse Mortgages. The company also recently launched ListingCalifornia.com (March 2026), a real estate platform with tiered listing fees (starting at 1.00% for homes $900K+) and buyer cash-back benefits. Additional services include a Mortgage Calculator tool and partnerships providing exclusive benefits for California public employees through the CalTAP program. The company leverages AI-powered tools for customer communications, eligibility screening, document processing, and fraud detection.

Differentiator

Problem solved

Functional benefit

Brands

• ListingCalifornia.com: Real estate platform offering tiered listing fees starting at 1.00% for homes $900,000 and above, with all listings including a $995 marketing fee, buyers up to $10,000 cash-back at closing, and exclusive benefits for California public employees.

Products and services

• Conventional Loans Standard home loans for typical borrowers meeting conventional lending requirements, including both purchase and refinance options.
• FHA Loans Federal Housing Administration insured loans designed for low-credit homebuyers, offering more flexible qualification requirements and lower down payment options.
• VA Loans Veterans Affairs home loans for veterans and military members, offering favorable terms including no down payment and competitive interest rates.
• Jumbo Loans Large-scale mortgage loans exceeding conventional conforming loan limits for higher-value properties.
• Fixed Rate Loans Mortgage products with locked interest rates that remain constant throughout the loan term, providing payment stability especially during periods of economic fluctuation.
• Adjustable Rate Loans Loans with variable interest rates that adjust periodically based on market conditions, potentially offering lower initial rates for borrowers comfortable with payment fluctuations.
• Home Ready Fannie Mae loan program designed to assist home buyers with their purchase by providing flexible underwriting guidelines and affordable financing options.
• Home Possible Freddie Mac affordable loan program targeting low-income homebuyers with flexible credit requirements and low down payment options.
• Refinance Mortgage refinancing products allowing homeowners to replace their existing mortgage with a new loan, potentially lowering interest rates or changing loan terms.
• FHA Streamline Refinances Streamlined refinancing option for existing FHA borrowers with minimal documentation and credit requirements for low-credit financial relief.
• VA IRRRL Refinance Interest Rate Reduction Refinance Loan (IRRRL) for veterans with existing VA loans, designed to lower monthly payments by reducing interest rates or converting adjustable rates to fixed rates.
• Reverse Mortgage FHA-insured mortgage product allowing homeowners aged 62 or older to convert home equity into funds without requiring monthly mortgage payments, with proceeds paid in installments, lump sum, or flexible payment options.
• ListingCalifornia.com A real estate platform offering tiered listing fees starting at 1.00% for homes $900,000 and above, with all listings including a $995 marketing fee. The platform provides buyers up to $10,000 cash-back at closing and exclusive benefits for California public employees through CalTAP partnership.

Quantifiable outcome

• Up to $10,000 cash-back at closing for eligible public employees through CalTAP program
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability8 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• TAPUSA / CalTAPcoreGTM or Marketing Partner · 16 March 2026Secure Choice Lending is the parent company of CalTAP (California Target Assistance Program). The partnership provides exclusive benefits for California public employees including 1% listing fee structure, zero lender origination fees, rate guarantees, and up to $10,000 cash-back at closing. Joe Moore serves as Division Manager for Secure Choice Lending overseeing CalTAP operations.
• Mike Ramirez - Preferred Realtor (ListingCalifornia.com)minorChannel Partner/ Reseller/ Distributor · 16 March 2026Mike Ramirez, a Southern California real estate agent, joined ListingCalifornia.com as a Preferred Realtor bringing his team-based approach to serving homebuyers and sellers including teachers and public employees. Represents CalTAP clients with track record supporting the partnership rationale.
• ListingCalifornia.comcoreTechnology or Integration · 2 March 2026Launched by Secure Choice Lending as a real estate platform offering tiered listing fees starting at 1.00% for homes $900,000 and above, with all listings including a $995 marketing fee. Provides buyers up to $10,000 cash-back at closing and exclusive benefits for California public employees.
• Clever Real EstateminorChannel Partner/ Reseller/ Distributor · 2 March 2026Strategic partnership enabling nationwide service expansion through Clever Real Estate's referral network, allowing Secure Choice Lending to offer services in over 45 states.
• TAPUSAminorChannel Partner/ Reseller/ Distributor · 2 March 2026Partnership with TAPUSA to expand nationwide reach and offer services in over 45 states through their network.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Rocket Mortgage: The largest US retail mortgage lender, offering a full suite of conventional, FHA, VA, and jumbo loans via direct-to-consumer digital channels. Comparable to Secure Choice Lending as a national direct lender, but vastly larger in scale, technology investment, and brand recognition.
• United Wholesale Mortgage (UWM): The largest US wholesale mortgage lender, also operating a retail channel. Comparable product set and AI-driven POS (BOLT) to Secure Choice Lending, but operates primarily through the broker channel and is far larger.

Direct peers

• loanDepot: National direct-to-consumer mortgage lender offering conventional, FHA, VA, jumbo, and HELOC products with a large distributed loan officer network. Closely comparable in product mix, multi-channel model, and distributed LO approach to Secure Choice Lending.
• Guild Mortgage: West Coast-anchored direct mortgage lender with strong retail branch presence in California. Comparable as a regional-to-national direct lender with a multi-state distributed LO model, similar product mix, and a focus on purchase-heavy markets.
• Caliber Home Loans: Privately-held direct and correspondent mortgage lender with national footprint and a focus on purchase originations. Comparable product breadth (conventional, FHA, VA, jumbo, non-QM) and a similar distributed retail LO model.
• NewRez: National mortgage lender and servicer (subsidiary of Rithm Capital) operating retail, wholesale, and correspondent channels. Directly comparable as a multi-channel direct lender with a broad product suite including reverse and government loans.
• Movement Mortgage: Privately-held national direct mortgage lender with a large distributed LO network, strong purchase focus, and programs targeted at specific customer segments (including ministry and underserved communities). Comparable in distributed retail LO model and niche-segment verticalization.

Emerging players

• Better.com: Digital-first direct mortgage lender pursuing an end-to-end online origination model. Comparable as a technology-forward non-bank lender, though its product range and customer segments (less focus on niche public employee programs) differ from Secure Choice Lending.
• Paramount Equity (reverse mortgage specialist): Specialist in reverse mortgages and senior home equity conversion. Comparable to Secure Choice Lending's reverse mortgage product line as a senior-segment focused lender, though narrower in product scope.

Others

• Clever Real Estate: National real estate listing and agent-matching platform that is also a strategic referral partner of Secure Choice Lending. Included as an adjacent ecosystem participant that shares customer overlap and contributes to Secure Choice's lead generation through its partnership.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 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 Secure Choice Lending