Colten Mortgage
Colten Mortgage is a US residential mortgage lender, operating as a division of All Western Mortgage, Inc., that originates purchase, refinance, reverse (HECM), and non-QM loans across 40+ states through licensed loan officers and builder/realtor channel partners.
- Company typePrivate
- Founded2017
- HeadquartersGreenwood Village, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Colten Mortgage does
Colten Mortgage is a US residential mortgage lender operating as a division of All Western Mortgage, Inc. (Corporate NMLS #14210) and headquartered in Greenwood Village, Colorado. Founded on March 10, 2017 by Brant Phillips with a five-person team, the company has grown to approximately 100 team members and is licensed to originate mortgages in more than 40 states. Its product set spans purchase mortgages, rate-and-term and cash-out refinance loans, Home Equity Conversion Mortgages (HECM) for homeowners aged 62 and older, and an Alternative Lending platform offering Non-QM products such as DSCR loans, asset utilization loans, bank statement loans, and ITIN loans sourced through partner Non-QM investors.
The company runs an in-house processing and underwriting operation and supplements origination with two value-added service modules: Colten Credit Solutions, a free FICO-certified credit analysis and improvement service that delivers an average 46-point credit score increase in 7-10 business days, and the Colten Qualified Buyer program, which provides sellers a $5,000 assurance of closing. Distribution is direct-to-consumer through licensed loan officers supported by phone, text, and email, with online application intake at apply.awmtoday.com, alongside formal channel programs for home builders and real estate agents that include co-branding, marketing support, extended rate locks, and joint-venture opportunities. Named builder partners include Lokal Homes, ALH, Elevations, Trumark, McStain, NHC, Dakota Capital, and Smith Douglas Homes.
Colten monetizes primarily through transaction-based origination fees and interest income on closed loans, with pricing set on a per-quote basis against prevailing market rates and individual borrower profiles. The company positions itself on consultative, personalized service rather than rate or scale advantages, and was recognized as a 2022 Denver Top Workplaces Winner. No public revenue, funding, or detailed financial figures are disclosed.
Colten Mortgage firmographics
Firmographics- Name
- Colten Mortgage
- Legal name
- All Western Mortgage, Inc.
- Website
- https://coltenmortgage.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Colten Mortgage is a US residential mortgage lender, operating as a division of All Western Mortgage, Inc., that originates purchase, refinance, reverse (HECM), and non-QM loans across 40+ states through licensed loan officers and builder/realtor channel partners.
- Ownership category
- akta.pro rank
Colten Mortgage industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA)
- akta.pro secondary industry
- Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)
Keywords
Where Colten Mortgage is headquartered
LocationHeadquarters
- HQ city
- Greenwood Village
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Colten Mortgage 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: Revenue generated from originating mortgage loans for home purchases, refinances, and reverse mortgages. Earns origination fees and interest income on closed loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based pricing - rates determined by individual financial profiles |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels9 records
Colten Mortgage product offering
Product offeringCore offering
Colten Mortgage originates residential mortgage loans for home purchase, refinance, reverse mortgages (HECM) for seniors 62+, and Non-QM alternative lending products such as DSCR, asset utilization, bank statement, and ITIN loans. Loans are delivered through licensed loan officers supported by in-house processing, in-house underwriting, and a complimentary in-house credit improvement service, with formal builder and realtor partner channels.
Product overview
Colten Mortgage is a mortgage lending company offering a unified platform of home financing products. The core offerings include Purchase Mortgages, Refinance Loans, Reverse Mortgages (HECM), and Alternative Lending products. The portfolio includes specialized sub-products such as DSCR Loans, Asset Utilization, Bank Statement Loans, and ITIN Loans for non-traditional borrowers. Value-added services include the complimentary Colten Credit Solutions program (credit improvement service), the Builder Mortgage Platform for builder partners, and the Colten Qualified Buyer certification. All products are delivered through licensed loan officers with in-house processing and underwriting capabilities, serving customers in more than 40 states.
Differentiator
Problem solved
Functional benefit
Products and services
- Purchase Mortgages Home purchase financing for first-time and experienced buyers featuring consultative qualification, in-house processing and underwriting, and consistent communication throughout the loan process.
- Refinance Loans Cash-out refinancing and rate/term refinance options allowing homeowners to lower rates, shorten loan terms, eliminate mortgage insurance, consolidate debt, or access home equity.
- Reverse Mortgages (HECM) Home Equity Conversion Mortgage (HECM) program for homeowners 62 and older, enabling them to access home equity without monthly mortgage payments, with options for lump sum, line of credit, or monthly advances.
- Alternative Lending (Non-QM) Non-QM lending solutions for borrowers with unique situations including real estate investors and those with recent credit challenges, working with industry-leading Non-QM investors and offering DSCR loans, asset utilization, bank statement loans, and ITIN loans.
- Colten Credit Solutions Free in-house credit improvement service featuring certified FICO analysts who manually analyze credit profiles and create action plans, with an average 46-point score increase completed in 7-10 business days.
- Builder Mortgage Platform Comprehensive lending platform for builder partners offering marketing collaboration, co-branding, free refinancing up to 36 months, extended locks with float-down options, competitive lender incentives, and strategic joint ventures.
- Realtor Partnership Program Partner program for real estate agents featuring marketing support such as social media assets, print flyers, open house assistance, and drip campaigns, plus access to Colten Credit Solutions to help buyer clients qualify for financing.
Quantifiable outcome
- Average 46-point credit score increase with Colten Credit Solutions service completed in 7-10 business days
- +1 more outcomes
Companies that use Colten Mortgage
Customer profileNamed customers6 records
Segments6 records
Ideal customer profiles6 records
Colten Mortgage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Colten Mortgage partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- Lokal HomescoreBuilder partner with marketing collaboration and co-branding. Provides builder mortgage platform with competitive incentives for buyers.
- ALHcoreBuilder partner receiving marketing collaboration and buyer incentives through builder mortgage platform.
- ElevationscoreBuilder partner with access to Colten's full suite of mortgage products and competitive lender incentives for buyers.
- TrumarkcoreBuilder partner with strategic joint venture opportunities and extended lock options.
- McStaincoreBuilder partner benefiting from streamlined lending process and in-house credit solutions for buyers.
- NHC (New Home Concepts)coreBuilder partner with full suite of products and strategic joint venture opportunities.
- Dakota CapitalcoreBuilder partner with marketing collaboration and competitive buyer incentives.
- Smith Douglas HomescoreBuilder partner with extended locks, float down options, and strategic joint ventures.
- Real Estate Agents (Realtor Partners)coreRealtor partners receive marketing support including social media, print flyers, open houses, and drip campaigns. Colten Qualified Buyer program provides $5,000 seller assurance to help agent clients win offers.
Scale indicators4 records
Recent moves8 records
Expansion highlights6 records
Colten Mortgage competitors and assessment
Company assessmentDirect peers
- Fairway Independent Mortgage: Retail mortgage banker operating through branch-based loan officers with broad product mix including conventional, FHA, VA, and specialty programs; similar in business model, multi-state retail focus, and team-driven origination approach.
- PrimeLending: Retail mortgage originator with national branch network offering purchase, refinance, renovation, and specialty products; similar retail-led, multi-product, multi-state operating model.
- NewRez: Retail and wholesale mortgage lender with a broad product menu including non-QM and specialty offerings; comparable to Colten in its mix of standard and alternative lending products.
- New American Funding: Retail mortgage lender offering purchase and refinance products with a focus on diverse borrower segments including non-QM and specialty programs; closely comparable to Colten's multi-channel retail origination model.
- Guild Mortgage: National retail mortgage lender offering purchase, refinance, and specialty products including reverse mortgages; comparable in product breadth, retail loan officer model, and multi-state licensing footprint.
- Caliber Home Loans: Retail mortgage originator with multi-channel distribution and a product mix spanning purchase, refinance, and specialty products including non-QM; comparable in operating model and borrower-segment breadth.
- loanDepot: Large retail and direct-to-consumer mortgage originator with purchase, refinance, and HELOC products via loan officers and a national retail branch footprint; comparable to Colten in business model and consumer-direct origination focus, though at much greater scale.
Broad incumbents
- Rocket Mortgage: Largest U.S. retail and direct-to-consumer mortgage lender with national brand and broad product mix; comparable in product breadth but operates at significantly greater scale, capital, and technology investment.
- UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender with broad product offerings; comparable in product range but distinct in its wholesale-led channel rather than Colten's retail/builder/realtor model.
Emerging players
- American Advisors Group (AAG): Reverse mortgage specialist focused on HECM products for the 62+ segment; comparable to Colten's dedicated reverse mortgage offering and senior-borrower focus, though narrower in product range.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Colten Mortgage social profiles
Digital presenceColten Mortgage financial estimates
Financial estimateRevenue estimate
Valuation estimate
Colten Mortgage leadership team
Management profileNumber of profiles
Profiles1 record
Colten Mortgage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Colten 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 Colten Mortgage
What does Colten Mortgage do?
Colten Mortgage originates residential mortgage loans for home purchase, refinance, reverse mortgages (HECM) for seniors 62+, and Non-QM alternative lending products such as DSCR, asset utilization, bank statement, and ITIN loans. Loans are delivered through licensed loan officers supported by in-house processing, in-house underwriting, and a complimentary in-house credit improvement service, with formal builder and realtor partner channels.
Is Colten Mortgage a public or private company?
Colten Mortgage is a private company. It is classified as corporate owned and is currently operating.
When was Colten Mortgage founded?
Colten Mortgage was founded in 2017. It employs 11 to 50 people.
Where is Colten Mortgage based?
Colten Mortgage is headquartered in Greenwood Village, United States, in the North America region.
How does Colten Mortgage make money?
One revenue line is on record: mortgage Origination.
Who are Colten Mortgage's main competitors?
Direct peers on record are Fairway Independent Mortgage, PrimeLending, NewRez, New American Funding, Guild Mortgage, Caliber Home Loans and loanDepot. Broad incumbents are Rocket Mortgage and UWM (United Wholesale Mortgage). American Advisors Group (AAG) is listed as an emerging player.
Does Colten Mortgage have an API?
No public API is recorded for Colten Mortgage.
What industry is Colten Mortgage in?
Colten Mortgage's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAIAA, Reverse Mortgage Origination (HECM & Proprietary), 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.