3 Keys Lending

What 3 Keys Lending does

3 Keys Lending is a privately held mortgage brokerage founded in 2019 and headquartered in Midvale, Utah, operating under NMLS #1920697 with licensure in five U.S. states (Utah, Florida, Maine, Rhode Island, South Carolina). The company intermediates between residential borrowers and institutional lenders, earning origination fees and commissions on closed loans rather than holding loans on its own balance sheet. Its product portfolio spans conventional fixed-rate products (30-year and 15-year, plus Jumbo), government-insured loans (FHA, VA, USDA, 203K renovation), reverse mortgages for borrowers aged 62 and older, and refinance products including rate/term and cash-out variants.

Technology delivery rests on a 100% online application portal complemented by three digital self-service tools (a pre-approval letter generator, a refinance analysis calculator, and a mortgage payment calculator) and a multi-lender rate quote workflow. The front-end is a templated consumer website, while back-end origination is assisted by a team of 6-7 licensed loan officers (Todd Libby as owner, plus Suahyli Sanchez Rodriguez, Andrew Orton, Robyn Neuman Kinney, Pete Houston, and Jay Ugarte) who guide borrowers via phone and email through a sales-led motion targeting 30-day closings. Customer acquisition is primarily digital-first (organic/SEO, content, testimonials) with a community differentiation layer via the 'Lend a Hand' teacher-donation program. Revenue is transaction-based (broker origination fees) with no disclosed pricing schedule and no enterprise or B2B accounts; the customer base consists exclusively of individual home buyers and refinance customers.

Name

3 Keys Lending

Legal name

3 Keys Lending

Website

https://3keyslending.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

3 Keys Lending is a privately held Utah-based mortgage broker founded in 2019 that earns origination fees by matching individual home buyers and refinance customers across five U.S. states with lenders via an online portal and a team of licensed loan officers.

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)

akta.pro secondary industry

Bridge & Short-Term Real Estate Loan Intermediation (FSAEAEAG)

Keywords

• Mortgage brokerage
• Home purchase loans
• Mortgage refinancing
• Residential lending
• Loan origination

Headquarters

HQ city

Midvale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination Fees: As a mortgage broker, 3 Keys Lending earns origination fees and commissions from lenders for facilitating mortgage loans. The company connects borrowers with appropriate loan products and earns compensation for completed transactions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

3 Keys Lending is a mortgage broker that connects home buyers and homeowners seeking refinancing with multiple lenders. The company offers a portfolio of residential loan products including conventional 30-year and 15-year fixed mortgages, FHA, VA, USDA, Jumbo, and 203K renovation loans, as well as HECM reverse mortgages. It supports these offerings with digital self-service tools (pre-approval letter, refinance analysis, mortgage calculator) and a 100% online application complemented by licensed loan officers.

Product overview

3 Keys Lending is a mortgage broker established in 2019 that operates as a single unified service offering rather than a platform-plus-modules architecture. Its core portfolio centers on mortgage lending products organized around two primary service lines: home purchase loans (including 30-Year Fixed, 15-Year Fixed, FHA, VA, USDA, Jumbo, and 203K renovation loans) and home refinance loans (including rate/term refinance and cash-out refinance). These loan products are complemented by a suite of digital tools including a Pre-Approval Letter generator, Refinance Analysis calculator, and Mortgage Calculator. The company also serves seniors through its Reverse Mortgage product. All offerings are delivered through a network of licensed loan officers using a 100% online application and approval process, with loan funding typically within 30 days.

Differentiator

Problem solved

Functional benefit

Brands

• Lend a Hand: A community program where 3 Keys Lending donates to local school teachers nominated by clients with each closed loan.

Products and services

• 30-Year Fixed Rate Mortgage A traditional fixed-rate mortgage with a constant interest rate and monthly payments that remain the same over a 30-year term, intended for homeowners who plan to stay in their home for seven years or longer.
• 15-Year Fixed Rate Mortgage A fixed-rate mortgage fully amortized over a 15-year period with constant monthly payments and a lower interest rate than a 30-year loan, enabling faster home ownership.
• FHA Loans A mortgage loan insured by the Federal Housing Administration (FHA) designed to make loans accessible to borrowers with lower down payments (as low as 3.5%) and less-than-perfect credit.
• VA Loans A mortgage loan guaranteed by the U.S. Department of Veterans Affairs (VA) for eligible American veterans or their surviving spouses, typically requiring no down payment.
• USDA Loans Loans offered through the United States Department of Agriculture to help low- or moderate-income people buy, repair, or renovate homes in rural areas, featuring very low interest rates and no cash down payment requirement.
• Jumbo Loans A loan that exceeds conforming loan limits set by Fannie Mae and Freddie Mac, available for financing up to $2.5 million, with competitive pricing and the convenience of a single loan for the entire amount.
• 203K Renovation Loans An FHA 203K renovation loan backed by the federal government for buyers purchasing a damaged or older home, combining the purchase price with funds for necessary renovations into a single mortgage.
• Reverse Mortgage (HECM) A HECM reverse mortgage loan insured by the FHA for seniors age 62 and older, allowing homeowners to convert home equity into cash with no monthly mortgage payments.
• Home Purchase Loan Brokerage Mortgage brokerage for home purchases, providing pre-approval letters and comparison of loan programs for first-time buyers and seasoned investors, delivered through licensed loan officers.
• Home Refinance Loan Brokerage Refinancing brokerage allowing homeowners to replace their existing mortgage with a new one to reduce interest rates and monthly payments, change loan terms, or take cash out from home equity.

Quantifiable outcome

• Loans can be fully funded within 30 days

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Fairway Independent Mortgage Corporation: Mid-to-large multi-state mortgage lender with strong retail branch network and similar product breadth including reverse mortgages. Closely comparable in offering a wide product set while serving individual homebuyers and refinancers.
• Paramount Residential Mortgage Group (PRMG): Large retail and wholesale mortgage lender offering a similar multi-product portfolio (Conventional, FHA, VA, USDA, Jumbo, Reverse) and serving independent loan officers. Comparable to 3 Keys in being a multi-channel brokerage.
• Caliber Home Loans: National mortgage lender and servicer with retail, direct, and wholesale channels. Comparable in serving a similar borrower base across purchase and refinance with multi-product offerings.
• United Wholesale Mortgage (UWM): Largest wholesale mortgage lender in the U.S. and the primary counterparty most independent mortgage brokers (including 3 Keys Lending) submit loans to. Directly comparable business model: brokers originate, UWM funds and closes.
• Guild Mortgage: Regional retail mortgage lender with strong FHA/VA specialization and branch-based loan officer model. Comparable in serving purchase and refinance borrowers through a personalized officer-led approach.
• New American Funding: Direct and wholesale mortgage lender covering Conventional, FHA, VA, USDA, and specialty products with multi-state branch operations. Comparable mid-market broker/lender profile with strong product breadth.

Broad incumbents

• Rocket Mortgage: Largest U.S. direct-to-consumer mortgage lender by volume with a tech-enabled online application platform directly comparable to 3 Keys' portal. Operates primarily as a retail lender rather than broker, but competes for the same end-borrower.
• Better.com: Digital-first direct mortgage lender with a fully online application and pre-approval experience closely paralleling 3 Keys' digital tools. Competes for the same refinance- and purchase-oriented online borrower.
• loanDepot: Large national mortgage lender with both retail (LDLC) and wholesale (ldiwholesale) channels serving retail brokers and consumers. Comparable product portfolio and customer base, but significantly larger scale and brand presence.

Regional players

• Embrace Home Loans: Regional mortgage lender concentrated in the Northeast and Mid-Atlantic with direct and wholesale channels. Comparable in being a multi-state broker/lender with a similar product portfolio, but focused on East Coast geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/3KeysLending3
• Facebookfacebook.com/3KeysLending
• LinkedInlinkedin.com/company/3-keys-lending

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 3 Keys Lending