KeySmart Mortgage Co.

What KeySmart Mortgage Co. does

KeySmart Mortgage Co. is a veteran-owned and operated private mortgage company headquartered at 6847 Cermak Rd in Berwyn, Illinois, founded in 2019 by co-founders William Jaramillo (CEO) and Jaime Jaramillo (President). The company operates as a retail mortgage brokerage serving individual homebuyers across Illinois, holding NMLS license #1833870 and regulated by the Illinois Department of Financial and Professional Regulation. Its product portfolio spans FHA Home Loans, FHA Streamline Refinance, VA Home Loans, Conventional Home Loans, Adjustable Rate Mortgages (ARM), and Jumbo Mortgage Loans, allowing the company to address first-time buyers, veterans, and higher-value property purchasers through both direct lending and lender network partnerships. Customer acquisition is direct-to-consumer, driven by a Wix-hosted website with individual loan officer landing pages, a "Get Pre-Approved" CTA routed to a third-party pre-application tool (preapp1003.com), organic social presence on Instagram, Facebook, and LinkedIn, and customer referrals. The company employs 12+ team members, almost all of whom are commissioned loan officers, each with dedicated phone, email, NMLS ID, and pre-approval registration links.

The underlying technology stack is described as standard industry tooling with no proprietary platform, proprietary features, API, or integrations disclosed, and the company has no app, no patents, and no trademark filings in the data. Revenue is generated transactionally through origination fees and interest rate margins earned on closed mortgage loans, with pricing quoted individually by loan officers based on borrower credit profile, loan amount, and prevailing market conditions. There is no disclosed external institutional investment, no parent company, no funding rounds, no M&A activity, and no partnerships; the company is independently held and funded by its founders. Geographic footprint is constrained to Illinois, with no multi-state licensing signals, and there are no published revenue, loan volume, or performance metrics.

Name

KeySmart Mortgage Co.

Legal name

KeySmart Mortgage Co.

Website

https://keysmartmtg.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

KeySmart Mortgage Co. is a veteran-owned private retail mortgage brokerage in Berwyn, Illinois, offering FHA, VA, Conventional, ARM, and Jumbo home loans to individual homebuyers across Illinois through a team of 12+ loan officers.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

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

akta.pro secondary industries

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD), Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Residential mortgage lending
• Mortgage origination
• FHA loans
• VA loans
• Mortgage brokerage

Headquarters

HQ city

Berwyn

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

Revenue model

1. Mortgage Origination: The company earns revenue through origination fees and interest rate margins on mortgage loans it originates. Revenue is generated when borrowers close on home purchase or refinance transactions. Income is transaction-based, earned per closed loan.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

KeySmart Mortgage Co. originates residential mortgage loans for individual homebuyers in Illinois through a team of 12+ licensed loan officers who guide borrowers from pre-approval to closing. The company offers FHA Home Loans, FHA Streamline Refinance, VA Home Loans, Conventional Home Loans, Adjustable Rate Mortgages (ARM), and Jumbo Mortgage Loans, acting as both direct lender and broker across selective lender partnerships.

Product overview

KeySmart Mortgage Co. is a veteran-owned and operated mortgage company offering a portfolio of residential mortgage products. The company provides FHA Home Loans (government-insured loans with low down payment requirements), FHA Streamline Refinance (simplified refinancing for existing FHA borrowers), VA Home Loans (guaranteed loans for veterans with no down payment), Conventional Home Loans, Adjustable Rate Mortgages, and Jumbo Mortgage Loans. The company serves as both a direct lender and mortgage broker, partnering with multiple lender networks to match borrowers with appropriate loan programs based on their financial profile and homeownership goals.

Differentiator

Problem solved

Functional benefit

Products and services

• FHA Home Loans Mortgage loans insured by the Federal Housing Administration and issued by private lenders; targeted at borrowers seeking to purchase a home with a small down payment and average credit scores, available via KeySmart Mortgage Co. loan officers.
• FHA Streamline Refinance Refinancing product for existing FHA-insured mortgage loans that requires less documentation and offers a simple underwriting process with credit or non-credit qualification options; aimed at current FHA borrowers looking to refinance.
• VA Home Loans Mortgage loans guaranteed by the U.S. Department of Veterans Affairs for eligible veterans and service personnel, requiring no down payment and no private mortgage insurance; delivered via KeySmart's veteran-owned mortgage company.
• Conventional Home Loans Standard mortgage loans not guaranteed by government agencies (FHA or VA), offered by private lenders to qualified borrowers for home purchase or refinance; sourced through KeySmart's lender network.
• Adjustable Rate Mortgage (ARM) Mortgage product with an interest rate that adjusts periodically based on market conditions, offering potentially lower initial rates compared to fixed-rate mortgages; available to qualified residential borrowers through KeySmart.
• Jumbo Mortgage Loans Mortgage loans that exceed the conforming loan limits set by Fannie Mae and Freddie Mac, designed for higher-value residential property purchases and refinances; offered through KeySmart's lender partnerships.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Guaranteed Rate: Chicago-based retail mortgage lender offering FHA, VA, conventional and refinance products through a large network of loan officers. Directly comparable in product mix, retail D2C motion, and Illinois geographic footprint, though at materially larger scale.
• Caliber Home Loans: National mortgage lender providing FHA, VA, conventional, and non-QM products through retail and wholesale channels. Comparable full product portfolio and retail loan officer approach.
• CrossCountry Mortgage: Retail-focused mortgage lender offering FHA, VA, conventional and government loan products through a national branch and loan officer network. Closely comparable retail D2C model with multi-product government loan specialization similar to KeySmart.
• Veterans United Home Loans: Largest VA-focused U.S. mortgage lender, specializing in veteran and military homebuyer financing. Closely comparable in VA loan specialization and veteran-owned brand affinity, though operating at significantly larger national scale.
• Fairway Independent Mortgage: Retail mortgage banker with a strong branch-based loan officer model offering FHA, VA, conventional and USDA loans nationwide. Directly comparable in business model, product mix, and customer focus on first-time and veteran buyers.
• Movement Mortgage: Retail-focused mortgage lender with a national branch network offering FHA, VA, conventional, and government loan products through individual loan officers. Directly comparable retail loan officer model and government loan specialization.

Emerging players

• Better.com: Digital-first direct mortgage lender offering FHA, VA, and conventional loans through a fully online application and approval experience. Comparable product set but contrasting pure-D2C digital model versus KeySmart's relationship-led approach.

Broad incumbents

• Rocket Mortgage: The largest U.S. retail mortgage originator, offering FHA, VA, conventional, and jumbo loans across all 50 states via a digital-first platform. Directly comparable product set, but operates at national scale with proprietary technology that KeySmart lacks.
• loanDepot: National retail and wholesale mortgage lender offering FHA, VA, conventional, and HELOC products. Comparable product portfolio and retail loan-officer model, but with national scale and a public-company capital base.
• NewRez (New Residential Mortgage): National mortgage originator and servicer offering FHA, VA, conventional, and jumbo loans through retail, wholesale, and correspondent channels. Comparable product breadth but operates as a much larger, capitalized platform.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/keysmartmortgage
• LinkedInlinkedin.com/company/keysmartmtgco
• Instagraminstagram.com/keysmartmortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 KeySmart Mortgage Co.