Mortgage Trust
Mortgage Trust is a privately held residential mortgage broker founded in 2000 and headquartered in Portland, Oregon, licensed in 14 U.S. states. It originates Conventional, FHA, VA, USDA, Jumbo, and Non-QM loans through licensed loan officers, serving approximately 970 families per year on a transaction-fee commission model.
- Company typePrivate
- Founded2000
- HeadquartersPortland, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Mortgage Trust does
Mortgage Trust, Inc. is a privately held residential mortgage broker founded in 2000 by Michael Leland and headquartered in Portland, Oregon. The firm operates under NMLS identifier 3250, with two physical offices in the Portland metro area (South Waterfront headquarters at Watermark II and a Tualatin branch at Diamond Peak), and holds mortgage broker/lender licenses across 14 U.S. states (AL, AZ, CA, CO, CT, FL, ID, MN, MT, NM, OR, TX, UT, WA), operating as Mortgage T, Inc. in six of those states. Mortgage Trust originates Conventional, FHA, VA, USDA, Jumbo, and Alternative-Documentation loans and reports helping approximately 970 families finance homes per year. Its technology stack is built around an online loan application and a borrower client portal (mti.mymortgage-online.com), which appears to be powered by ICE Mortgage Technology's borrower platform; no proprietary AI/ML, API, or developer-facing tooling is disclosed.
The company's revenue model is transaction-fee based: as a broker rather than a balance-sheet lender, Mortgage Trust earns commissions on loans it originates through multiple wholesale lending relationships, with revenue mechanics tied directly to origination volume and loan size rather than net interest spread. Go-to-market is sales-led, executed through licensed loan officers who engage borrowers directly from initial consultation through closing, supplemented by referrals from real estate agents and financial advisors, individual loan officer social media brands (Facebook, Instagram, LinkedIn, YouTube), community events (TED-style Trust/Forward events, charity poker tournaments, toy drives), and a dual-licensed channel partnership with Keller Williams Realty Portland Central. Customers are primarily individual retail borrowers split into home buyers (first-time buyers, FHA, VA, Conventional, USDA), homeowners seeking refinancing (15-year, 30-year, HELOC, cash-out, reverse), and a wealth-building segment for which the mortgage is positioned as part of a longer-term financial planning strategy. Ownership is concentrated with founder and CEO Michael Leland; no external investors, private equity, or venture capital involvement is disclosed.
Mortgage Trust firmographics
Firmographics- Name
- Mortgage Trust
- Legal name
- Mortgage Trust, Inc.
- Website
- https://mortgage-trust.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Mortgage Trust is a privately held residential mortgage broker founded in 2000 and headquartered in Portland, Oregon, licensed in 14 U.S. states. It originates Conventional, FHA, VA, USDA, Jumbo, and Non-QM loans through licensed loan officers, serving approximately 970 families per year on a transaction-fee commission model.
- Ownership category
- akta.pro rank
Mortgage Trust industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industry
- Reverse Mortgage Brokerage & Lead Generation (FSALAIAB)
Keywords
Where Mortgage Trust is headquartered
LocationHeadquarters
- HQ city
- Portland
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Mortgage Trust 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 & Brokerage: As a mortgage broker, Mortgage Trust earns commissions on loans originated. The company offers competitive pricing by working as a broker, allowing them to provide better rates than most competitors by accessing multiple lending products.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Mortgage Trust product offering
Product offeringCore offering
Mortgage Trust is a mortgage broker that originates residential home loans by aggregating loan products from multiple lenders on behalf of individual borrowers. It provides home purchase financing (Conventional, FHA, VA, USDA, Jumbo, Alternative-Documentation), refinancing (15-year, 30-year, HELOC, cash-out, reverse), and wealth-building advisory, supported by an online client portal for application and document management.
Product overview
Mortgage Trust operates as a mortgage broker offering a unified mortgage lending platform centered on three core services: Home Buying Loans, Refinancing, and Wealth Building. The platform provides multiple loan programs including Conventional, FHA, VA, USDA, Jumbo, and Alternative-Documentation loans, complemented by a Client Portal for self-service loan management. As a broker, the company aggregates loan options from multiple lenders to offer competitive pricing while providing holistic financial guidance focused on wealth building beyond the transaction.
Differentiator
Problem solved
Functional benefit
Products and services
- Home Buying Loans
- Refinancing
- Wealth Building Advisory
- Conventional Loans
- FHA Loans
- VA Loans
- USDA Loans
- Jumbo Loans
- Alternative-Documentation Loans
- Client Portal
Quantifiable outcome
- 970 families helped finance homes per year
Companies that use Mortgage Trust
Customer profileSegments3 records
Ideal customer profiles2 records
Mortgage Trust technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Mortgage Trust partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Keller Williams Realty Portland CentralminorBrandon King operates as a dual-licensed loan officer with Mortgage Trust and real estate agent/broker with Keller Williams Realty Portland Central. This partnership allows clients to receive both mortgage financing and real estate transaction services.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
Mortgage Trust competitors and assessment
Company assessmentBroad incumbents
- UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender and broker channel partner. While predominantly wholesale rather than retail, UWM competes for the same loan officers and brokers and is the dominant counterparty for brokers like Mortgage Trust.
Direct peers
- PrimeLending: National retail mortgage lender offering purchase, refinance, and HELOC products through a network of branch-based loan officers. Closely comparable in go-to-market, product breadth, and target borrower segments.
- loanDepot: Large multi-channel mortgage lender with retail, wholesale, and direct-to-consumer broker-style offerings. Comparable across product mix (purchase, refi, HELOC, jumbo) and loan-officer-driven origination model, though operating at vastly greater scale.
- NewRez (shellpoint / Newrez): Top-15 U.S. mortgage lender with retail, wholesale, and servicing platforms. Comparable in offering a full menu of purchase, refinance, HELOC, and government products across multiple states.
- Caliber Home Loans: Multi-channel mortgage lender with retail, wholesale, and correspondent channels covering conventional and government products. Comparable across broker-adjacent wholesale channel and product breadth.
- Movement Mortgage: Retail mortgage lender with a branch-based, relationship-driven culture across dozens of states. Similar in loan-officer-led origination model and community-focused branding; notably also a frequent 'Best Places to Work' recognized employer.
- Homebridge Financial Services: Large wholesale and retail mortgage lender operating across most U.S. states with conventional, government, and non-QM products. Comparable in geographic licensing breadth and product coverage.
- New American Funding: Retail and direct mortgage lender serving purchase and refinance borrowers nationwide with diverse loan programs including non-QM. Comparable in multi-state licensing and full product menu.
- Fairway Independent Mortgage Corporation: Retail and wholesale mortgage lender with branch-based loan officers across most U.S. states, offering conventional, FHA, VA, USDA, and reverse mortgage products. Comparable in branch-led model and product breadth.
- Guild Mortgage: National mortgage lender and broker offering Conventional, FHA, VA, USDA, and Jumbo products with a relationship-led retail model. Directly comparable to Mortgage Trust's broker-style product breadth and branch-driven origination strategy.
Market position
Strengths5 records
Weaknesses2 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Mortgage Trust social profiles
Digital presenceMortgage Trust financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mortgage Trust leadership team
Management profileNumber of profiles
Profiles12 records
Mortgage Trust subsidiaries and ownership
Company hierarchySubsidiaries1 record
Mortgage Trust funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mortgage Trust 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 Mortgage Trust
What does Mortgage Trust do?
Mortgage Trust is a mortgage broker that originates residential home loans by aggregating loan products from multiple lenders on behalf of individual borrowers. It provides home purchase financing (Conventional, FHA, VA, USDA, Jumbo, Alternative-Documentation), refinancing (15-year, 30-year, HELOC, cash-out, reverse), and wealth-building advisory, supported by an online client portal for application and document management.
Is Mortgage Trust a public or private company?
Mortgage Trust is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Mortgage Trust founded?
Mortgage Trust was founded in 2000. It employs 11 to 50 people.
Where is Mortgage Trust based?
Mortgage Trust is headquartered in Portland, United States, in the North America region.
How does Mortgage Trust make money?
One revenue line is on record: mortgage Origination & Brokerage.
Who are Mortgage Trust's main competitors?
UWM (United Wholesale Mortgage) is listed as a broad incumbent. Direct peers are PrimeLending, loanDepot, NewRez (shellpoint / Newrez), Caliber Home Loans, Movement Mortgage, Homebridge Financial Services, New American Funding, Fairway Independent Mortgage Corporation and Guild Mortgage.
Does Mortgage Trust have an API?
No public API is recorded for Mortgage Trust.
What industry is Mortgage Trust in?
Mortgage Trust's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSALAIAB, Reverse Mortgage Brokerage & Lead Generation. Its NAICS code is 522310 and its SIC code is 6163.