Huntington Mortgage

What Huntington Mortgage does

Huntington Mortgage is a privately held, boutique mortgage lender headquartered at 305 Pasadena Ave in South Pasadena, California. Founded approximately in 2000, the company operates a single-office, direct-to-consumer mortgage origination model serving California homebuyers and refinancing customers, with a stated concentration on Southern California. Revenue is generated through mortgage origination fees and related transaction-based income earned on the loan products it underwrites.

The company's product portfolio spans the standard residential mortgage menu — fixed-rate, adjustable-rate, conventional, FHA, VA, USDA, and jumbo loans — supplemented by pre-qualification services, an online mortgage calculator, a learning center, an educational blog, and a real estate agent referral service. The core technology stack is built on the Ellie Mae (ICE Mortgage Technology) loan origination platform for the digital borrower application, with Vonk Digital providing the website infrastructure for marketing, content, and quote request workflows. The company is licensed through NMLS (359061) and the California Department of Real Estate (DRE# 0118575), and holds an A+ Better Business Bureau rating.

Go-to-market is sales-led via a hybrid of online self-service applications, inside sales by phone, and in-person field consultations at the South Pasadena office. Customer acquisition combines educational content marketing (blog, learning center) with social media presence across Facebook, Instagram, LinkedIn, and Yelp, alongside a referral network of endorsed local real estate agents. The target segments are first-time homebuyers (primary), refinancing customers, veterans and active-duty service members, and USDA-eligible rural/suburban borrowers, served through a horizontal, persona- and use-case-based segmentation approach. Ownership is founder/operator-led with no disclosed institutional backing, parent company, or funding rounds.

Name

Huntington Mortgage

Legal name

Huntington Mortgage

Website

https://huntingtonmtg.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Huntington Mortgage is a privately held, boutique residential mortgage lender based in South Pasadena, California. Founded in 2000, the company originates conventional, FHA, VA, USDA, and jumbo loans for California homebuyers, refinancers, and veterans via direct sales, an Ellie Mae online application, and real estate agent referrals.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSALAAAG

First-Time Homebuyer (FTHB) Mortgage Origination

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

SECONDARYFSALAAAI

Government-Insured Mortgage Origination (FHA/VA/USDA)

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

SECONDARYFSALAAAD

Purchase Mortgage Origination (Homebuyer Focused)

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

SECONDARYFSALAAAE

Rate-and-Term Refinance Origination

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

SECONDARYFSALAAAF

Cash-Out Refinance Origination

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

Keywords

• Mortgage lending services
• Home loan origination
• Residential mortgage financing
• Mortgage refinancing
• Government-backed home loans

Headquarters

HQ city

South Pasadena

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination: Huntington Mortgage generates revenue through mortgage loan origination, earning interest income on loans originated and fees associated with the loan application and origination process.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Huntington Mortgage is a boutique, education-based mortgage lender that originates home purchase loans, refinances, and debt consolidation loans for California homebuyers and homeowners. Its product suite spans Fixed-Rate Mortgages, Adjustable-Rate Mortgages, FHA, VA, USDA, Conventional, and Jumbo loans, delivered through in-person, phone-based, and online channels powered by the Ellie Mae loan origination platform. The company pairs loan origination with pre-qualification, mortgage calculators, a learning center, and real estate agent referrals to support borrowers from education through closing.

Product overview

Huntington Mortgage is an education-based mortgage company offering a comprehensive suite of mortgage lending products and services. Their core offering includes various loan products (Fixed-Rate Mortgage, Adjustable-Rate Mortgage, FHA Loan, VA Loan, USDA Loan, Jumbo Loan, and Conventional Loan) supported by ancillary services such as pre-qualification, mortgage calculator, learning center educational content, blog resources, and real estate agent referrals. The company operates as a direct lender serving California homebuyers, primarily through their South Pasadena location.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed-Rate Mortgage Conventional fixed-rate mortgage with stable interest rate and consistent monthly payments over 15, 20, or 30-year terms, for California homebuyers and refinancers seeking predictable payments.
• Adjustable-Rate Mortgage (ARM) Mortgage with an initial fixed-rate period followed by adjustable rates, suited for borrowers who plan to move or refinance within a few years.
• FHA Loan Federal Housing Administration-backed loan with lower down payment requirements (as low as 3.5%) for first-time homebuyers and those with less-than-perfect credit.
• VA Loan U.S. Department of Veterans Affairs-guaranteed loan available to eligible veterans, active-duty service members, and surviving spouses with no down payment and no PMI.
• USDA Loan United States Department of Agriculture-backed loan for purchasing properties in eligible rural and suburban areas with no down payment requirement.
• Jumbo Loan Loan for high-value properties exceeding conforming loan limits, typically with stricter credit requirements and higher down payments.
• Conventional Loan Standard mortgage loan with down payments as low as 3%, available through private lenders without government backing.
• Mortgage Lending Services Full-service mortgage lending including home purchase loans, refinancing, and debt consolidation for homebuyers across California, with over 25 years of experience.
• Pre-Qualification Services No-obligation, no-credit-check pre-qualification questionnaire to help prospective borrowers understand their mortgage needs before formal application.
• Real Estate Agent Recommendation Service connecting borrowers with recommended real estate agents based on their home-buying preferences and location requirements, via a network of vetted, peer-endorsed agents.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Two partnerships are on record, tiered core.

• Ellie Mae (ICE Mortgage Technology)coreTechnology or IntegrationHuntington Mortgage integrates with Ellie Mae's online mortgage application platform to provide borrowers with a secure, digital application experience. The platform enables loan applications, pre-qualification workflows, and connects to Huntington Mortgage's loan origination systems. Ellie Mae (now part of ICE) is a leading mortgage technology provider serving the industry.
• Endorsed Real Estate AgentscoreChannel Partner/ Reseller/ DistributorHuntington Mortgage maintains a network of recommended real estate agents who come highly endorsed by clients and peers, possessing comprehensive understanding of local markets. The company provides personalized matchmaking between borrowers and agents through a simple intake form process.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• loanDepot: Large direct-to-consumer mortgage lender offering conventional, FHA, VA, and refinance products across the US. Competes with Huntington Mortgage in the same California purchase and refinance borrower pool but at significantly greater scale, with proprietary technology and national brand recognition.
• United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender providing technology, products, and capital to independent mortgage brokers and lenders. Directly competes with Huntington Mortgage on product breadth (conventional, FHA, VA, USDA, jumbo) while operating at much greater scale.
• Rocket Mortgage: Largest US mortgage originator and a digital-first leader serving purchase, refinance, FHA, VA, and jumbo borrowers nationwide. Overlaps with Huntington Mortgage on nearly every product category but competes on brand, technology, and rate rather than on personalized education.

Direct peers

• Caliber Home Loans: Nonbank direct mortgage lender providing conventional, government, and specialty products including non-QM. Overlaps directly with Huntington Mortgage's purchase and refinance offerings while operating a significantly larger retail network.
• Fairway Independent Mortgage: Direct mortgage lender with a branch-based, relationship-driven model offering conventional, government, and jumbo loans. Comparable to Huntington Mortgage on local-service orientation and broad product suite, though operating across more states.
• Guild Mortgage: Regional direct mortgage lender with strong West Coast presence and a similar product mix (conventional, FHA, VA, USDA, jumbo). Closely comparable to Huntington Mortgage in operating model — in-house origination with local branch-based service — but with materially greater scale.
• NewRez (New Residential Mortgage): Nonbank mortgage lender and servicer offering purchase, refinance, FHA, VA, and USDA loans through retail and wholesale channels. Comparable product mix and direct origination overlap with Huntington Mortgage, with deeper servicing and capital-markets capabilities.
• Homebridge Financial Services: Privately held, nonbank mortgage lender with retail and wholesale channels offering a similar mix of conventional, FHA, VA, USDA, and jumbo products. Comparable to Huntington Mortgage in private, non-public status and product breadth, though at greater national scale.

Regional players

• AimLoan (Aim Home Loans): California-headquartered digital mortgage lender offering conventional, FHA, VA, and refinance products with strong California market presence. Comparable to Huntington Mortgage on California focus and product mix, but competes on a tech-enabled, online-first model rather than boutique service.
• American Pacific Mortgage: West Coast-based mortgage lender with a branch-driven model offering conventional and government loan products. Comparable to Huntington Mortgage on regional concentration in Western states and relationship-based retail origination, with broader multi-state reach.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/HuntingtonMortgage
• LinkedInlinkedin.com/company/huntington-mortgage2
• Instagraminstagram.com/huntingtonmortgage

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Huntington Mortgage