Lending Key
- Company typePrivate
- Founded2008
- HeadquartersLos Angeles, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
Lending Key firmographics
Firmographics- Name
- Lending Key
- Legal name
- Lending Key Inc.
- Website
- https://lendingkeyinc.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Lending Key industry classification
Industry- Product category
- Residential Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
Keywords
Where Lending Key is headquartered
LocationHeadquarters
- HQ city
- Los Angeles
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Lending Key business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Mortgage Origination Fees: The company earns origination fees for processing mortgage loans. They work with multiple lenders to find competitive rates for borrowers, earning commissions or fees from lenders for originating loans.
- Closing Costs: Customers pay closing costs on mortgage transactions, which typically range from 2-6% of the loan amount depending on the area. These costs are paid at closing and may include points, taxes, title insurance, and financing costs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | 30-Year Fixed Rate Mortgage |
| Other | Monthly | 15-Year Fixed Rate Mortgage |
| Other | Monthly | 20-Year Fixed Rate Mortgage |
| Other | Monthly | FHA Loan Products |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Lending Key product offering
Product offeringCore offering
Lending Key Inc. is a residential mortgage brokerage that connects borrowers with multiple lenders to originate home purchase loans and refinance loans. The company offers fixed-rate mortgages (10/15/20/25/30-year), adjustable-rate mortgages (3/1, 5/1, 7/1 ARMs), FHA loans, and VA loans, and supports customers through pre-qualification, application, underwriting, and closing using an online application portal and in-person consultations at its Los Angeles office.
Product overview
Lending Key Inc. is a residential mortgage brokerage offering a portfolio of loan products including Fixed Rate Loans (30, 25, 20, 15, and 10-year terms), Adjustable Rate Loans (3/1, 5/1, and 7/1 ARMs), FHA Loans, and VA Loans. The company provides digital tools including an Online Mortgage Application system (short application and full 1003 application), Mortgage Calculators (Standard, Bi-Weekly, Affordability, Amortization, and Refinance), and Refinance/Purchase financing services. Lending Key works with multiple lenders to provide competitive pricing and comparison shopping through a single company rather than requiring borrowers to visit multiple banks or brokers.
Differentiator
Problem solved
Functional benefit
Products and services
- Fixed Rate Loans Fixed-rate mortgage loans available in 30, 25, 20, 15, and 10-year terms with constant monthly payments throughout the loan term, offered to homebuyers and refinancers through Lending Key's lender network.
- Adjustable Rate Loans (ARM)
- FHA Loans
- VA Loans
- Purchase Loans
- Refinance Services
Quantifiable outcome
- Refinance up to 95% of primary home's value
- +4 more outcomes
Companies that use Lending Key
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Lending Key technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Lending Key partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Multiple Lenders (unspecified)coreLending Key Inc. works with multiple lenders to provide competitive pricing and diverse loan options to borrowers. Unlike big banks restricted to their own products, they can match customers with the lender that best fits their needs. The specific lender names are not disclosed on their website.
Recent moves1 record
Expansion highlights3 records
Lending Key competitors and assessment
Company assessmentEmerging players
- SoFi: Digital lender offering home loans alongside broader consumer financial products. Comparable as a tech-forward lender targeting similar borrower demographics with streamlined application experiences and brand-led acquisition.
- Better.com: Digital-first mortgage lender with streamlined online application and approval experience. Comparable to Lending Key's online 1003 application approach but with stronger technology stack and brand, competing for the same tech-savvy borrower demographic.
- Zillow Home Loans: Zillow's mortgage origination arm combining real estate marketplace data with lending. Comparable as a digital mortgage provider targeting similar borrowers, with strong integration into real estate search behavior.
Direct peers
- NewRez: Mortgage lender and servicer operating retail and wholesale channels. Comparable as a wholesale/retail mortgage company offering similar loan products including conventional, FHA, VA, and refinance.
- LendingTree: Operates a mortgage marketplace that connects borrowers with multiple lenders, the closest comparable to Lending Key's broker-aggregator model. Both compete for the same borrower segment seeking multi-lender comparison shopping in one place.
- Paramount Equity: Mid-size residential mortgage company offering purchase and refinance loans including FHA, VA, and conventional products. Closely comparable to Lending Key in scale, channel mix, and product breadth.
- Caliber Home Loans: Mortgage lender with retail and wholesale channels offering purchase, refinance, FHA, VA, and non-QM products. Directly comparable product mix and multi-channel origination model to Lending Key.
- Guaranteed Rate: National mortgage lender with retail, wholesale, and digital channels. Comparable product set and target borrower segment with similar purchase and refinance offerings.
Broad incumbents
- loanDepot: Major US mortgage lender operating retail and wholesale broker channels. Comparable because it offers similar purchase, refinance, FHA, VA products and competes for the same California borrower segment, but at substantially greater scale and geographic breadth.
- Rocket Mortgage: Largest US mortgage lender with dominant brand recognition and digital infrastructure. Comparable as a purchase and refinance competitor targeting similar borrower segments, though primarily direct-to-consumer rather than brokered.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Lending Key social profiles
Digital presenceLending Key compliance and trust
Trust signalCompliance3 records
Lending Key financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lending Key leadership team
Management profileNumber of profiles
Lending Key funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lending Key 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 Lending Key
What does Lending Key do?
Lending Key Inc. is a residential mortgage brokerage that connects borrowers with multiple lenders to originate home purchase loans and refinance loans. The company offers fixed-rate mortgages (10/15/20/25/30-year), adjustable-rate mortgages (3/1, 5/1, 7/1 ARMs), FHA loans, and VA loans, and supports customers through pre-qualification, application, underwriting, and closing using an online application portal and in-person consultations at its Los Angeles office.
Is Lending Key a public or private company?
Lending Key is a private company. It is classified as unknown and is currently operating.
When was Lending Key founded?
Lending Key was founded in 2008. It employs 11 to 50 people.
Where is Lending Key based?
Lending Key is headquartered in Los Angeles, United States, in the North America region.
How does Lending Key make money?
Two revenue lines are on record. Mortgage Origination Fees are the primary driver. The others are closing Costs.
Who are Lending Key's main competitors?
Emerging players on record are SoFi, Better.com and Zillow Home Loans. Direct peers are NewRez, LendingTree, Paramount Equity, Caliber Home Loans and Guaranteed Rate. Broad incumbents are loanDepot and Rocket Mortgage.
Does Lending Key have an API?
No public API is recorded for Lending Key.
What industry is Lending Key in?
Lending Key's product category is Residential Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation. Its NAICS code is 522310 and its SIC code is 6163.