American Intermutual Agency Inc.

What American Intermutual Agency Inc. does

American Intermutual Agency Inc., doing business as Coole Home, is a direct-to-consumer mortgage lender headquartered in San Diego, California. The company originates residential mortgages across all 50 U.S. states under NMLS license #1206029, offering a full product set that spans conventional, FHA, VA, jumbo (up to $5 million), and NonQM loans, alongside four core service workflows: home purchase, refinance, rehab/renovation, and custom construction financing. Distribution is hybrid: a self-serve online application portal accessible 24/7, phone-based consultations with licensed loan officers, and a network of state-based loan officers providing localized coverage nationwide. The company advertises a 21-day average close time, $0 and low down payment options, and skip-payment features during refinance and construction phases. Marketing assets emphasize 40+ years of combined team experience and thousands of served clients, supported by published consumer testimonials.

Revenue is generated through transaction fees on each loan originated, primarily origination charges paid by the borrower at closing plus gain-on-sale proceeds when the loan is delivered to the secondary market (Fannie Mae, Freddie Mac, FHA, VA). Customer segments are horizontally distributed across first-time buyers, current homeowners refinancing, custom-home builders, and investor/flip buyers, with first-time buyers positioned as the primary persona. Operational scale is small: the firm reports a headcount of 5 employees, with no disclosed parent company, institutional backing, funding history, M&A activity, or management team bios. Product and platform technology is described at the level of an online application and digital document processing stack; no proprietary AI, machine learning, or differentiated IP is evidenced.

Name

American Intermutual Agency Inc.

Legal name

Coole Home

Website

https://aiainc.org

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

American Intermutual Agency Inc., operating as Coole Home, is a San Diego-based direct-to-consumer mortgage lender licensed in all 50 U.S. states, offering conventional, FHA, VA, jumbo, and NonQM loans to U.S. homebuyers and refinancers via online applications and state-based loan officers.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Consumer Direct / Online Mortgage Origination (FSALAAAB)

akta.pro secondary industries

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

Keywords

• Residential mortgage lending
• Home purchase loans
• Loan refinancing
• Home renovation financing
• Non-QM mortgage loans

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Mortgage Origination: Coole Home generates revenue through mortgage origination fees charged to borrowers when loans are originated, as well as gain on sale of mortgages to secondary market investors (Fannie Mae, Freddie Mac, FHA, VA). Revenue is earned at loan closing as a percentage of the loan amount plus ongoing servicing rights.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

American Intermutual Agency Inc. (DBA Coole Home) is a nationwide direct-to-consumer mortgage lender based in San Diego, California that originates residential home loans for purchase, refinance, renovation, and new construction. The company offers Conventional, FHA, VA, Jumbo, and NonQM loan products with loan sizes up to $5 million and an average 21-day close time.

Product overview

Coole Home offers a comprehensive mortgage lending platform centered around multiple loan products including Conventional Loans, FHA Loans, VA Loans, Jumbo Loans, and NonQM (Non-Qualified Mortgage) options. The company provides end-to-end mortgage services supporting the full homeownership journey: purchasing a new home, refinancing existing mortgages, rehabilitating or renovating properties, and constructing custom homes. The platform emphasizes a simplified mortgage process with quick service, $0/low down payment options, and an advertised 21-day average close time, targeting first-time buyers, move-up buyers, and those seeking specialized financing solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Loans Standard conforming residential mortgage loans for homebuyers and homeowners seeking purchase or refinance financing, offered nationwide.

Quantifiable outcome

• 21-day average close time vs industry average of 30-45 days
• +2 more outcomes

Named customers3 records

Segments4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Better.com: Digital-first mortgage lender focused on a streamlined online application, competitive rates, and direct-to-consumer fulfillment. Highly comparable to Coole Home's online DTC mortgage model, with overlapping product set (purchase, refinance, HELOC).
• Guild Mortgage: Retail-focused mortgage lender with strong presence in specialty purchase products (FHA, VA, renovation, construction). Highly comparable product mix and customer-centric positioning to Coole Home, including specialty construction and renovation lending.
• Lower (formerly Lower.com): Digital mortgage lender offering purchase and refinance loans with an emphasis on speed and online convenience. Closely comparable online DTC origination model to Coole Home, targeting similar first-time and move-up buyers.
• SoFi Mortgage: Digital-first lender offering home purchase and refinance loans through an online application, with emphasis on first-time buyers and member-driven customer experience. Directly comparable DTC origination model to Coole Home.

Broad incumbents

• Rocket Mortgage: Largest direct-to-consumer mortgage originator in the U.S., offering conventional, FHA, VA, and Jumbo products online. Operates at vastly greater scale than Coole Home but competes in the same online DTC origination channel for the same borrower segments.
• Homepoint: Wholesale and correspondent mortgage lender offering a broad agency and government product set. Comparable product breadth to Coole Home, with distribution emphasis on broker partnerships rather than direct-to-consumer.
• loanDepot: National retail and wholesale mortgage lender with a full suite of agency and NonQM products. Operates a large direct-to-consumer lending channel (ldref.com / loanDepot) overlapping with Coole Home's product range and customer base.
• Caliber Home Loans: Large non-bank mortgage originator and servicer offering a full agency and NonQM product menu to retail and wholesale customers. Comparable in product breadth to Coole Home, with significantly larger operational footprint.
• NewRez (formerly New Penn Financial): National mortgage lender offering Conventional, FHA, VA, Jumbo and NonQM products across retail and wholesale channels. Overlaps with Coole Home's full product suite and similar target borrower segments.
• United Wholesale Mortgage: Largest U.S. mortgage lender by volume, primarily wholesale but increasingly serving retail. Comparable to Coole Home on product breadth (Conventional, FHA, VA, Jumbo, NonQM) though at much greater scale and through broker/partner channels.

Market position

Strengths4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/american-intermutual-agency-inc

Revenue estimate

Valuation estimate

Number of profiles

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 American Intermutual Agency Inc.