Keller Home Loans
- Company typePrivate
- Founded2005
- HeadquartersSan Diego, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Keller Home Loans does
is a US residential mortgage lender operating as a division of Mutual of Omaha Mortgage, Inc. (NMLS ID 1025894), headquartered in San Diego, California and licensed across all 50 states. Founded in 2005, the company originates conventional, FHA, VA, USDA, and jumbo loans, alongside specialized programs including the Wealth Builder investor loan (DSCR-based qualifying), Keller Assist DPA (100% financing FHA), the Lifestyle Home Loan for buyers aged 62+, the CHOICEReno eXPress renovation mortgage, and temporary buydown structures. Its product portfolio is supported by digital tooling such as online mortgage applications, soft-credit pre-approval (Offer Ready Plus+), and payment, affordability, and refinance calculators.
The company's go-to-market combines direct loan-officer sales with the Agent+ program, a channel initiative that enables Keller Williams Realty agents to obtain dual mortgage licensing and originate loans directly to their buyer clients. Over 200 licensed loan officers operate across the US, providing national coverage and personalized borrower guidance through a documented six-step purchase process from conversation to closing. Marketing is anchored by an educational blog, webinars, and certification classes targeting both consumers and real estate agents.
Revenue is earned on a transaction basis through origination fees and interest-rate margins on closed purchase and refinance loans, with rates updated daily and benchmark products such as Conventional 30-Year Fixed at 6.375% APR and VA 30-Year Fixed at 6.407% APR disclosed publicly. VA loans include fee waivers (origination, lender closing, processing, underwriting) representing approximately $1,300 in per-transaction savings, and the company claims a 24-hour in-house underwriting turnaround. No external funding, revenue, or ownership change data is publicly disclosed.
Keller Home Loans firmographics
Firmographics- Name
- Keller Home Loans
- Legal name
- Mutual of Omaha Mortgage, Inc.
- Website
- https://kwlends.com
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Keller Home Loans 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)
- akta.pro secondary industries
- Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL), Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM), Manufactured / Mobile Home Mortgage Origination (FSALAAAK)
Keywords
Where Keller Home Loans is headquartered
LocationHeadquarters
- HQ city
- San Diego
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Keller Home Loans business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Mortgage Origination: Keller Home Loans generates revenue through origination fees and interest rate margins on mortgage loans they originate. As a full-service mortgage lender, they offer conventional, FHA, VA, USDA, jumbo, and specialized loan programs. Revenue is earned on loan closings.
- Refinancing: Revenue is generated from refinancing existing mortgages, including rate-term refinances and cash-out refinances, earning origination fees on each completed transaction.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Conventional 30 Year Fixed - Rate: 6.375%, APR: 6.45% |
| Transaction based/ take rate | Pay-as-you-go | Conventional 15 Year Fixed - Rate: 5.875%, APR: 6.082% |
| Transaction based/ take rate | Pay-as-you-go | FHA 30 Year Fixed - Rate: 6%, APR: 6.767% |
| Transaction based/ take rate | Pay-as-you-go | VA 30 Year Fixed - Rate: 6.125%, APR: 6.407% |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Keller Home Loans product offering
Product offeringCore offering
Keller Home Loans originates and underwrites residential mortgage loans across all 50 US states through a network of 200+ licensed loan officers. The product portfolio includes conventional, FHA, VA, USDA, and jumbo loans, plus specialized programs such as Offer Ready pre-approvals, Wealth Builder investor loans, Keller Assist DPA down payment assistance, Lifestyle Home Loans for buyers aged 62+, and the Agent+ dual-licensing program that enables real estate agents to originate mortgages.
Product overview
Keller Home Loans is a mortgage lending company offering a comprehensive portfolio of loan products and financial tools. The core offerings include Conventional, USDA, FHA, VA, and Jumbo mortgage loans for home purchases, along with specialized programs like the Wealth Builder Loan for investors, Keller Assist DPA for down payment assistance, and Offer Ready pre-approval programs. The company also provides renovation financing through CHOICEReno eXPress, lifestyle loans for retirees, and refinance options. Supporting the loan products are online calculators for payment estimation, affordability assessment, and mortgage comparison. The Agent+ program extends the business by enabling real estate agents to obtain dual licensing as loan officers.
Differentiator
Problem solved
Functional benefit
Products and services
- Conventional Loans
Quantifiable outcome
- 24-hour underwriting turnaround
- +3 more outcomes
Companies that use Keller Home Loans
Customer profileSegments5 records
Ideal customer profiles5 records
Keller Home Loans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Keller Home Loans partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Keller Williams RealtycoreKeller Home Loans is a division of Mutual of Omaha Mortgage and operates as an affiliated business within the Keller Williams Realty ecosystem. The Agent+ program enables Keller Williams agents to become dual-licensed loan officers, creating an integrated real estate and mortgage offering. This partnership provides Keller Home Loans with access to thousands of Keller Williams agents as referral sources and potential dual-licensed loan officers.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Keller Home Loans competitors and assessment
Company assessmentDirect peers
- Caliber Home Loans: National retail mortgage lender offering a similarly broad product suite including conventional, government, jumbo, and specialized programs. Closely comparable in scale, distribution model, and product breadth, particularly in niche investor and renovation lending.
- Guild Mortgage: Retail-focused mortgage lender with a comparable range of purchase, refinance, government, and specialty products, and a distributed loan officer model across most US states. Highly comparable in customer segments served and emphasis on specialized programs.
- Movement Mortgage: Large retail mortgage lender operating through a distributed network of loan officers with a similarly broad conventional, government, and specialty product set. Comparable in go-to-market motion and reliance on a large LO base.
- NewRez: Retail and wholesale mortgage lender (formerly New Penn Financial) offering a comparable mix of purchase, refinance, FHA, VA, and specialty products including renovation and DPA-adjacent programs. Directly comparable in product breadth and LO-driven distribution.
- loanDepot: Large US retail mortgage originator with a comparable product portfolio including conventional, government, jumbo, and HELOC offerings. Similar customer segments and purchase/refinance mix, though materially larger in scale.
- Cardinal Financial: Retail mortgage lender emphasizing specialty programs (non-QM, investor, renovation, DPA) and distributed loan officer sales. Highly comparable in the niche-program strategy and customer-acquisition approach.
- Homebridge Financial Services: Retail and wholesale mortgage lender with a comprehensive product suite and distributed loan officer network. Comparable in product breadth and reliance on LO-led origination.
Broad incumbents
- Rocket Mortgage: Largest US retail mortgage originator, offering a similar full-suite product range but at materially greater scale and with a direct-to-consumer digital brand. Overlaps directly on purchase and refinance lending but differentiates through proprietary technology and brand.
- United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender serving independent loan brokers. Adjacent rather than directly overlapping — different channel (broker vs. retail LO) but competes for the same end-borrower volume and uses similar product breadth as a competitive lever.
Others
- Mutual of Omaha Mortgage: Parent entity of Keller Home Loans and a national retail mortgage lender in its own right. Relevant as the immediate parent for benchmarking division-level economics and strategic priorities within the broader Mutual of Omaha portfolio.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Keller Home Loans social profiles
Digital presenceKeller Home Loans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Keller Home Loans leadership team
Management profileNumber of profiles
Profiles4 records
Keller Home Loans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Keller Home Loans 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 Home Loans
What does Keller Home Loans do?
Keller Home Loans originates and underwrites residential mortgage loans across all 50 US states through a network of 200+ licensed loan officers. The product portfolio includes conventional, FHA, VA, USDA, and jumbo loans, plus specialized programs such as Offer Ready pre-approvals, Wealth Builder investor loans, Keller Assist DPA down payment assistance, Lifestyle Home Loans for buyers aged 62+, and the Agent+ dual-licensing program that enables real estate agents to originate mortgages.
Is Keller Home Loans a public or private company?
Keller Home Loans is a private company. It is classified as corporate owned and is currently operating.
When was Keller Home Loans founded?
Keller Home Loans was founded in 2005. It employs 101 to 250 people.
Where is Keller Home Loans based?
Keller Home Loans is headquartered in San Diego, United States, in the North America region.
How does Keller Home Loans make money?
Two revenue lines are on record. Mortgage Origination is the primary driver. The others are refinancing.
Who are Keller Home Loans's main competitors?
Direct peers on record are Caliber Home Loans, Guild Mortgage, Movement Mortgage, NewRez, loanDepot, Cardinal Financial and Homebridge Financial Services. Broad incumbents are Rocket Mortgage and United Wholesale Mortgage (UWM). Mutual of Omaha Mortgage is listed as an others.
Does Keller Home Loans have an API?
No public API is recorded for Keller Home Loans.
What industry is Keller Home Loans in?
Keller Home Loans's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAD, Purchase Mortgage Origination (Homebuyer Focused), with a secondary code of FSALAAAL, Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation). Its NAICS code is 522292 and its SIC code is 6162.