Mortgage One Group

What Mortgage One Group does

Mortgage One Group, operating as Constant Investments, Inc., is a California-founded, Texas-headquartered private direct mortgage lender established in 2011 by Richard Tak and Jun Choi. The company originates residential mortgage loans through a direct sales model, deploying approximately 30 loan officers and 9 loan managers across 8 branch offices in California, Texas, Nevada, Arizona, Louisiana, and Georgia, with NMLS lending licenses spanning 18 U.S. states. Its product suite covers eight loan categories: Conventional, High Balance, Jumbo, FHA, VA, Stated Income, Foreign National, and Reverse Mortgage — covering purchase, refinance, cash-out refinance, and construction lending use cases. Revenue is generated through transaction-based origination fees on approximately $174 million in annual loan volume, supported by an $18 million warehouse line of credit. Distribution relies on a combination of branch offices, a website with online applications and calculators, Instagram-based marketing, and direct contact with individual loan officers.

The company has expanded steadily by geography since 2017, opening new branches annually through 2022, and has earned strong customer review scores (4.8/5 on Yelp; 5.0/5 on Google). Customer segments include individual homebuyers, real estate professionals (referral partners), and builders requiring construction financing. There is no proprietary technology platform disclosed; the operating model is relationship-driven sales through licensed loan officers rather than automated or AI-driven origination. In April 2026, Linkhome Holdings Inc. signed a non-binding MOU to acquire the company, followed by a definitive agreement on May 12, 2026, to acquire 100% of Constant Investments, Inc. for an $18 million warehouse line, with closing expected by July 1, 2026. Post-acquisition, Linkhome intends to integrate Mortgage One Group's multi-state lending infrastructure with its proprietary AI technology to create an integrated real estate and mortgage platform.

Name

Mortgage One Group

Legal name

Constant Investments, Inc.

Website

https://mtgog.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Mortgage One Group is a private direct mortgage lender operating 8 branches across 18 U.S. states, offering conventional, FHA, VA, jumbo, and specialty loan products to individual homebuyers, real estate professionals, and builders through approximately 30 loan officers.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

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

akta.pro secondary industries

Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Residential mortgage lending
• Jumbo loan products
• FHA and VA loans
• Reverse mortgage services
• Home refinancing loans

Headquarters

HQ city

La Mirada

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination: Revenue generated from mortgage loan origination including purchasing, refinancing, and cash-out refinance transactions. Offers conventional loans, FHA loans, VA loans, jumbo loans, stated income loans, foreign national loans, and reverse mortgages.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Mortgage One Group is a full-service direct mortgage lender originating residential mortgage loans including conventional, high balance, jumbo, FHA, VA, stated income, foreign national, and reverse mortgage products. The company funds purchases, refinancing, and cash-out refinance transactions, and provides construction lending, operating through 8 branch offices across 18 U.S. states with approximately 30 loan officers.

Product overview

Mortgage One Group is a full-service direct mortgage lending company offering a comprehensive portfolio of loan products. The company operates as a single unified mortgage lending platform offering Conventional Loans, High Balance Loans, Jumbo Loans, FHA Loans, VA Loans, Stated Income Loans, Foreign National Loans, and Reverse Mortgages. The company serves real estate professionals, builders, and individual homebuyers across multiple U.S. states through branch offices, with plans to integrate Linkhome's AI technology platform following its acquisition by Linkhome Holdings.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Loan A conventional loan not offered or secured by a government entity, made available through government-sponsored enterprises such as Fannie Mae and Freddie Mac, for standard residential home purchases and refinancing.
• High Balance Loan Conventional loan products for high-cost areas that allow homeowners to utilize benefits of conventional loans rather than going into jumbo loan programs.
• Jumbo Loan Mortgages above conventional limits that require portfolio loans from banks and private lenders with unique underwriting requirements, serving high-value home purchases.
• FHA Loan Loans insured by the Federal Housing Administration suitable for low-to-moderate income borrowers with lower down payments and/or less than perfect credit scores.
• VA Loan Program established by the United States Department of Veterans Affairs to help veterans and their families purchase homes with no down payment requirements.
• Stated Income Loan Mortgage products without verifying tax returns for complex income situations, using alternate income documents like P&L statements, Verification of Employments, 1099 only, bank statement only, and DSCR.
• Foreign National Loan Mortgage products allowing non-U.S. citizens to purchase homes in the United States using foreign income and credit with higher down payments.
• Reverse Mortgage Mortgage products for homeowners ages 62 and older allowing conversion of home equity value into cash without monthly mortgage payments.

Quantifiable outcome

• Applications typically close in 30 days
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Linkhome Holdings Inc.coreStrategic or Co-development Partner · 12 May 2026Linkhome Holdings Inc. entered into a definitive agreement to acquire 100% of Constant Investments Inc., doing business as Mortgage One Group, for $18 million through a warehouse line. The transaction, expected to close by July 1, 2026, aims to combine Mortgage One Group's multi-state lending infrastructure with Linkhome's proprietary AI technology to create an integrated AI-powered platform for real estate, mortgage origination, and consumer home financing.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Guild Mortgage: Direct retail mortgage lender with a similar multi-state branch network and product mix (conventional, FHA, VA, jumbo, reverse). Compares to MOG in branch-led, retail-focused business model.
• NewRez (formerly New Penn Financial): National mortgage lender with retail, wholesale, and correspondent channels offering conventional and government loans plus a non-QM product line. Comparable in product mix and multi-channel approach.
• PrimeLending (PlainsCapital Company): National retail mortgage banker offering conventional, FHA, VA, jumbo, and reverse mortgages through a branch-led model. Closely comparable to MOG in distribution strategy and product portfolio.
• Homebridge Financial Services: Mid-size mortgage lender with retail and wholesale channels offering a similar mix of conventional, FHA, VA, and non-QM products. Comparable in scale and product positioning to MOG.
• Caliber Home Loans: Mid-large mortgage banker offering a full range of agency and non-agency products including non-QM. Comparable in product breadth to MOG, with greater scale.
• Movement Mortgage: Retail-focused mortgage lender with strong presence in underserved and minority communities, particularly the Asian-American market. Highly comparable to MOG's branch strategy and product mix.
• Fairway Independent Mortgage Corporation: Mid-size retail mortgage banker with a branch-led, loan-officer-driven model offering conventional, FHA, VA, jumbo, and reverse mortgages. Closely comparable to MOG in size, multi-state footprint, and product breadth.

Broad incumbents

• loanDepot: National direct-to-consumer mortgage lender with retail, wholesale, and joint venture channels. Comparable to MOG in offering conventional, FHA, VA, and HELOC products, but operates at substantially larger scale.
• United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender, primarily serving independent mortgage brokers. While wholesale-only, UWM defines competitive dynamics (margin compression, technology expectations) for retail lenders like MOG.
• Rocket Mortgage (Rocket Companies): Largest US retail mortgage lender offering conventional, FHA, VA, and jumbo loans through direct-to-consumer digital channels. Operates at vastly greater scale than MOG but competes for the same residential mortgage borrower.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/mtgog
• Xx.com/mortgage1group
• Facebookfacebook.com/mortgageonegroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Mortgage One Group