Coastline Mortgage

What Coastline Mortgage does

Coastline Mortgage is a privately held retail mortgage brokerage headquartered in Pasadena, Maryland, licensed to originate residential mortgages across six jurisdictions (Maryland, Virginia, Pennsylvania, Washington DC, Delaware, and Florida; NMLS ID 1750429). The firm operates on a broker model, sourcing loan products from a network of lending partners rather than underwriting on its own balance sheet, which allows it to offer a broad product set including Fixed Rate, Adjustable Rate, Interest-Only, and Graduated Payment mortgages, plus government-backed programs (FHA, VA, USDA), Conventional, Jumbo, DSCR investor loans, VA Construction-to-Perm, and an FHA Lease-to-Own program. Distribution runs through a team of roughly twelve loan officers supported by an operations, marketing, and processing staff of approximately eight, with origination driven by direct officer relationships, real estate agent referrals (including a structured partnership with Douglas Realty), new-construction builder partnerships (Ameri-Star Homes for VA construction financing), and a self-service online application portal (my1003app.com). The technology layer is a Wix-based website augmented by a suite of interactive mortgage calculators and the third-party application portal, with no disclosed AI/ML capabilities.

Coastline monetizes exclusively through transaction fees, earning broker commissions and origination fees from lending partners on closed loans; the firm explicitly does not charge a borrower application fee, and rates and fees are not publicly disclosed. The customer base is entirely B2C and segmented across first-time homebuyers, move-up buyers, refinancers, self-employed and 1099 workers, military veterans, and real estate investors, with each segment supported by a dedicated product track (e.g., FHA/USDA for first-time buyers, VA loans for veterans, DSCR for investors, alternative documentation for self-employed). Go-to-market is sales-led, with loan officers as the primary relationship owners, supplemented by content marketing (blog, FAQ, calculators) and an active social presence on Instagram, Facebook, Twitter, and LinkedIn. The firm self-claims top-decile performance on closing speed (Top 1% nationally) and holds Scotsman Guide Top Originator recognition (2021, 2022) for at least one senior producer, lending credibility to its positioning as a high-touch, fast-closing alternative to large retail bank lenders.

Name

Coastline Mortgage

Legal name

Coastline Mortgage, LLC

Website

https://coastlinemortgage.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Coastline Mortgage is a Pasadena, Maryland-based retail mortgage brokerage licensed in six states, operating on a broker model to offer FHA, VA, USDA, Conventional, Jumbo, and specialized loan products to individual homebuyers, veterans, investors, and self-employed borrowers.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage brokerage services
• Residential home loans
• Mortgage refinancing
• Government-backed mortgages
• Investment property loans

Headquarters

HQ city

Pasadena

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Mortgage Origination Fees: As a mortgage broker, Coastline Mortgage earns origination fees and commissions by matching borrowers with appropriate loan products from their network of lending partners. They charge no application fee that direct lenders might charge, and costs to borrowers are typically less than fees paid when originally purchasing a home.
2. Broker Commissions: Earn commissions from multiple lending partners for bringing qualified loan applications. Mortgage brokers have access to multiple lending partners, allowing them to shop for competitive loan options based on borrower goals.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Coastline Mortgage is a residential mortgage brokerage that matches individual borrowers with home loan products from its network of multiple lending partners, spanning conventional, government-backed (FHA, VA, USDA), jumbo, and specialty/investor programs. Services include new purchase mortgages, loan refinancing, and construction-to-permanent financing, supported by an interactive mortgage calculator suite and a third-party online loan application portal. Revenue is generated through origination fees and lender-paid commissions on closed loans.

Product overview

Coastline Mortgage is a mortgage brokerage firm offering a comprehensive suite of home loan products and financial tools. The company operates as a technology-enabled broker providing multiple mortgage products including Fixed Rate, Interest Only, Adjustable Rate, and Graduated Payment mortgages, as well as government-backed programs (FHA, VA, USDA), conventional loans, jumbo loans, and specialized programs (DSCR for investors, VA Construction Perm, FHA Lease-to-Own). These loan products are complemented by refinancing services and an interactive digital toolkit featuring mortgage calculators (standard, refinance, principal, APR, extra payment, interest-only, and affordability), plus an online loan application portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Mortgage Traditional fixed-rate mortgage with monthly principal and interest payments that remain constant throughout the loan's lifetime, available to homebuyers and refinancers through Coastline's network of lending partners.
• Interest Only Mortgage Home loan where borrowers make monthly payments solely toward interest accruing on the loan, rather than principal, for a specified time period, then transition to full principal-and-interest payments.
• Adjustable Rate Mortgage Mortgage with interest payments that shift during the loan's term depending on current market conditions, suited to borrowers expecting future rate changes or planning shorter ownership horizons.
• Graduated Payment Mortgage Loan in which mortgage payments increase annually for a predetermined period before becoming fixed for the remaining loan duration, designed for borrowers expecting income growth over time.
• FHA Home Loans Mortgages insured by the Federal Housing Administration (FHA) allowing borrowers to obtain low mortgage rates with a minimal down payment, particularly suited to first-time homebuyers and those with less-than-perfect credit.
• Conventional Loans Mortgage loans not part of a specific government program, serviced by private lenders and typically backed by Fannie Mae or Freddie Mac, available to qualifying conventional borrowers.
• Jumbo Loans Mortgages used to finance properties that exceed the local conforming loan limit, considered riskier for lenders as they cannot be guaranteed by Fannie Mae and Freddie Mac, offered for high-value residential purchases.
• VA Loans Mortgages guaranteed by the Department of Veteran Affairs offering military veterans low interest rates and no down payment, supporting primary residence purchases and refinances for eligible veterans and active-duty personnel.
• USDA Rural Development Loans Low-interest mortgages with zero down payments issued through the USDA loan program for low to average income individuals purchasing properties in designated rural areas.
• DSCR Loans (Debt Service Coverage Ratio) Investment property loan program allowing borrowers to purchase or refinance rental properties without income-based qualifications, underwritten primarily on the property's debt service coverage ratio / cash flow.
• VA Construction Perm Loans VA-backed construction-to-permanent financing allowing 100% financing with one closing covering both construction and permanent loan phases, requiring no payments during construction, for eligible veterans building new homes.
• FHA Lease-to-Own Program Program creating a path to homeownership for borrowers who may not qualify for standard agency mortgages, featuring a 3.5% down payment and up to 6% seller credit, structured as a lease with future purchase option.
• Refinancing Services Mortgage refinancing services for existing homeowners seeking to lower monthly payments, reduce interest rates, or improve debt-to-income ratios by replacing an existing loan with new terms sourced across multiple lending partners.

Quantifiable outcome

• Ranked in Top 1% of the nation for fastest closings
• +1 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Ameri-Star HomescoreStrategic or Co-development PartnerAmeri-Star Homes is identified as a preferred partner for VA Construction Perm Loans. Coastline Mortgage works with all new home builders and specifically partners with Ameri-Star Homes for VA construction-to-permanent financing.
• Douglas RealtyminorChannel Partner/ Reseller/ DistributorDan Clark, a loan officer at Coastline Mortgage, previously worked with Douglas Realty and continues referral relationships. Brittany Hines, Director of Leads Division, email is [email protected] indicating ongoing partnership with Douglas Realty for lead generation.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Movement Mortgage: Privately held US mortgage lender and broker with a distributed loan officer model and multi-state operations. Highly comparable to Coastline on broker/lender hybrid structure, sales-led GTM, and relationship-driven loan officer culture.
• Homebridge Financial Services: Large privately held retail and wholesale mortgage company operating across most US states with a distributed loan officer model. Comparable to Coastline on multi-state retail origination and relationship-based service orientation.
• Cardinal Financial: Multi-state retail mortgage lender with a similar distributed loan officer approach and broad product set including government, conventional, and specialty programs. Closely comparable to Coastline in scale, product breadth, and target borrower segments.
• NewRez: National mortgage lender and servicer (formerly Shellpoint) with retail, wholesale, and correspondent channels. Comparable to Coastline on multi-channel origination and broad product set serving retail borrowers across multiple states.
• PRMG (Paramount Residential Mortgage Group): Large independent retail mortgage banker operating across most US states with a heavy loan officer field model. Comparable to Coastline on multi-state retail origination, broad product menu, and emphasis on loan officer autonomy.
• Cornerstone Home Lending: Privately held multi-state retail mortgage lender with a strong loan officer culture and similar product breadth including government and niche programs. Comparable to Coastline in size, private ownership, and relationship-driven approach.
• Academy Mortgage: Mid-sized retail and broker mortgage company operating across multiple US states with a relationship-based loan officer model. Comparable to Coastline in size, multi-state licensing approach, and focus on personalized service versus call-center lenders.
• Guaranteed Rate: National retail mortgage lender with a large distributed loan officer network and digital capabilities. Comparable to Coastline on sales-led loan officer model and multi-state footprint, though at materially larger scale.

Broad incumbents

• Rocket Mortgage: Largest US mortgage lender with a direct-to-consumer digital platform and distributed loan officer network. Comparable as a broad incumbent in the same retail mortgage origination category, though materially larger, more digitally scaled, and competing for the same mid-Atlantic borrower pool.
• loanDepot: Large publicly traded national mortgage originator with retail, wholesale, and direct-to-consumer channels (including the mellohome brand). Comparable as a broad incumbent offering overlapping retail mortgage services, though at significantly greater scale and with direct-lending capabilities Coastline does not have.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/coastline_mortg
• Facebookfacebook.com/CoastlineMortgageLLC
• LinkedInlinkedin.com/company/coastline-mortgage-llc
• Instagraminstagram.com/coastlinemortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 Coastline Mortgage