What Trusted Mortgage does

Trusted Mortgage, Inc. is a privately held residential mortgage brokerage firm founded in 2018 and headquartered at 7621 E Rose Garden Lane, Scottsdale, Arizona. The company is licensed to broker residential mortgages in Arizona, California, and Washington (NMLS# 1815318) and is led by founder and mortgage broker Chris Allen (NMLS ID 97896), who has been originating residential home loans since 2002. A second originator, Bryan Stevens (NMLS #2747787), supports origination capacity.

The firm operates as a direct-to-consumer broker offering a full menu of residential loan products: Conventional, Jumbo (up to $2.5M), FHA, VA, non-QM, First Time Homebuyer Programs, and Reverse Mortgages, alongside free online tools including a payment calculator, home purchase qualifier, refinance rate checker, and an online application portal. The technology stack is non-proprietary and relies on a standard third-party application platform (trustedmortgageinc.my1003app.com); there is no disclosed AI, ML, or proprietary automation.

The revenue model is transactional: the company earns origination fees and yield spread premiums on loans it brokers between borrowers and wholesale lenders. There are no disclosed rates, subscription products, or enterprise contracts. Customer acquisition is digital-first via the company website and supplemented by organic social presence (Facebook, Instagram, LinkedIn), direct phone/text sales, and customer reviews/referrals. The firm has no outside funding, no parent company, no subsidiaries, and no disclosed partnerships or acquisitions.

Name

Trusted Mortgage

Legal name

Trusted Mortgage, Inc

Website

https://trustedmortgageinc.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Trusted Mortgage is a privately held, Scottsdale-based residential mortgage brokerage licensed in Arizona, California, and Washington, offering Conventional, Jumbo, FHA, VA, non-QM, First Time Homebuyer, and Reverse Mortgage products to individual homebuyers and homeowners via a direct-to-consumer model.

Ownership category

akta.pro rank

Product category

Residential 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

Reverse Mortgage Brokerage & Lead Generation (FSALAIAB)

Keywords

• Residential mortgage brokerage
• Home purchase loans
• Mortgage refinancing
• FHA VA loans
• Jumbo mortgage loans

Headquarters

HQ city

Scottsdale

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, Technology or R&D, Others

Revenue model

1. Mortgage Origination Fees: As a mortgage broker, Trusted Mortgage generates revenue through origination fees charged on loans closed, as well as yield spread premiums from lenders. The broker facilitates loans between borrowers and lenders, earning compensation for matching borrowers with appropriate loan products and managing the application process.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Trusted Mortgage is a residential mortgage brokerage that matches individual homebuyers and homeowners in Arizona, California, and Washington with lenders offering a full range of loan products, including Conventional, Jumbo, FHA, VA, Non-QM, First Time Homebuyer, and Reverse Mortgages. The firm supports both home purchase and refinance transactions with free online qualification tools and a secure online loan application portal.

Product overview

Trusted Mortgage is a full-service residential mortgage brokerage firm offering a comprehensive suite of mortgage products and services. The company provides conventional, jumbo, FHA, VA, non-QM, First Time Homebuyer Programs, and Reverse Mortgages. Their product portfolio centers on loan products including 30 Year Fixed Mortgage, 15 Year Fixed Mortgage, Adjustable Rate Mortgage, FHA Loans, VA Loans, and Jumbo Loans. Beyond loan origination, they offer free tools including a Payment Calculator, Home Purchase Qualifier, Refinance Rate Checker, and an Online Mortgage Application platform. The company serves homebuyers and homeowners in Arizona, California, and Washington, positioning itself as a broker with access to a full range of mortgage products to meet diverse client needs.

Differentiator

Problem solved

Functional benefit

Products and services

• 30 Year Fixed Mortgage Traditional fixed-rate mortgage with a constant interest rate and monthly payments that do not change for the life of the loan, marketed to homeowners planning to stay in the home for seven years or longer.
• 15 Year Fixed Mortgage Loan fully amortized over 15 years with constant monthly payments and a lower interest rate than 30-year options, enabling borrowers to own their home faster with higher monthly payments.
• Adjustable Rate Mortgage (ARM) Mortgage whose interest rate changes periodically after an initial fixed period, offering lower initial rates than fixed mortgages and targeted at borrowers planning to own the home for only a few years.
• FHA Loans Mortgage loans insured by the Federal Housing Administration, designed to help borrowers with less-than-perfect credit qualify with a low 3.5% down payment requirement.
• VA Loans Mortgage loans guaranteed by the U.S. Department of Veterans Affairs for eligible American veterans or their surviving spouses, featuring no down payment requirement and competitive interest rates.
• Jumbo Loans Loans exceeding conforming loan limits set by Fannie Mae and Freddie Mac (over $647,200 for most US areas), with financing available up to $2.5 million for jumbo and super jumbo amounts.
• Home Purchase Loans Mortgage financing for residential home purchases, with pre-approval letter requests and qualification assistance to help buyers identify the right loan product for their scenario.
• Home Refinance Loans Refinancing options to reduce interest rates and monthly payments, change loan terms, or take cash out from home equity.
• Non-QM Loans Non-Qualified Mortgage loan products for borrowers who may not meet standard qualifying criteria.
• First Time Homebuyer Programs Special mortgage programs designed to help first-time homebuyers qualify for financing with favorable terms.
• Reverse Mortgages Mortgage products allowing qualified homeowners to convert part of their home equity into cash.
• Online Mortgage Application Free secure online loan application platform enabling borrowers to complete applications and lock in mortgage rates in approximately 10 minutes.

Quantifiable outcome

• 18-day escrow completion for standard mortgage in competitive San Diego market

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

Broad incumbents

• NewRez (New Residential Mortgage): NewRez is a non-bank mortgage lender providing conventional, FHA, VA, and non-QM products through retail and wholesale channels. It is a broad incumbent in the retail mortgage space and competes with Trusted Mortgage for individual borrowers across the same states.
• Caliber Home Loans: Caliber Home Loans is a non-bank residential mortgage lender offering conventional, FHA, VA, jumbo, and non-QM products through retail and wholesale channels. It competes with Trusted Mortgage for similar borrower profiles and operates in overlapping Western U.S. geographies.
• Rocket Mortgage: Rocket Mortgage is the largest U.S. mortgage lender and a broad incumbent that competes for the same direct-to-consumer mortgage borrower that Trusted Mortgage serves. It offers the full suite of mortgage products (conventional, FHA, VA, jumbo) and competes with brokers via a digital-first experience.
• Guild Mortgage: Guild Mortgage is a mid-to-large U.S. retail mortgage lender with a comparable product mix including FHA, VA, and conventional products. It has retail branch operations in many of the same Western states (CA, AZ) and competes for similar individual homebuyers and refinancers.

Emerging players

• Paramount Equity: Paramount Equity is a residential mortgage and home equity solutions company with significant focus on reverse mortgages, which is one of Trusted Mortgage's product offerings. It is comparable as a niche/emerging player in the same residential mortgage broker category.
• Better.com: Better.com is a digital-first mortgage lender that competes for the same direct-to-consumer purchase and refinance borrower across Trusted Mortgage's three-state footprint. It represents the emerging digital lender threat to traditional broker models.

Direct peers

• C2 Financial Corporation: C2 Financial is a retail mortgage broker network with multiple retail branches across the Western U.S. including California, Arizona, and Washington. It is one of the most direct comparables to Trusted Mortgage, with a similar retail broker business model, product mix, and geographic footprint.
• Supreme Lending: Supreme Lending is a multi-state retail mortgage lender/broker with a comparable product portfolio and branch operations across the Western and Southern U.S. It competes with Trusted Mortgage for individual homebuyers and refi borrowers with a similar retail broker approach.
• loanDepot: loanDepot is a major U.S. retail and wholesale mortgage lender offering a comparable product mix (conventional, FHA, VA, jumbo, refinance) and operating in many of the same Western U.S. markets as Trusted Mortgage. Both firms earn origination fees on similar loan products for similar consumer segments.

Others

• UWM (United Wholesale Mortgage): UWM is the largest U.S. wholesale mortgage lender, providing the loan products and pricing that mortgage brokers like Trusted Mortgage access to serve their borrowers. It is an ecosystem participant / supplier rather than a direct competitor to a retail-facing broker.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/trustedmortgageinc
• LinkedInlinkedin.com/company/chris-allen-trusted-mortgage-inc.
• Instagraminstagram.com/azcallen
• Xx.com/Callen75

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Trusted Mortgage