Mortgage Specialists, LLC

What Mortgage Specialists, LLC does

Mortgage Specialists, LLC is a privately held, independent mortgage brokerage firm headquartered at 8420 W Dodge Road Suite 113 in Omaha, Nebraska, serving the Omaha metro and adjacent Iowa market. Founded in 2004-2005, the firm operates with a small team led by owner Brent Rasmussen (the only U.S. loan originator holding all five major lending certifications: CRMS, CMC, CDLP, CVLS, CMA), Senior Mortgage Specialist Sarah Stone, and Loan Officer Ben Stoysich. Its core product set spans home purchase loans (first-time homebuyer, move-up, and investment/second home), refinance loans (rate/term and cash-out), and a differentiated Divorce Loans vertical (divorce refinance and divorce purchase) built around the owner's Certified Divorce Lending Professional designation. The technology stack is intentionally lean: a ZipForHome-integrated online mortgage application (5-20 minute completion with save-and-resume), a Conventional Cost Calculator, and an educational video library branded 'Mortgage Matters in Minutes,' supported by organic content marketing and Google/Facebook/Yelp reviews.

The firm's business model is transaction-fee based, earning origination fees and rate-lock income on closed purchase and refinance mortgages. Customer acquisition runs through direct-to-consumer channels (online application, phone, in-person consultations) reinforced by reciprocal referrals from local REALTORS and, within the divorce vertical, from family-law attorneys. Pricing is quote-based and not publicly disclosed, with rates varying by program and changing daily; typical closing timelines are 30-45 days for both purchases and refinances. Customer segments are explicitly segmented across first-time homebuyers, move-up buyers, investment property buyers, refinance customers, and divorce-related borrowers.

Mortgage Specialists has operated continuously for nearly 20 years, has won the Best of Omaha Mortgage Provider award from Omaha Magazine for five consecutive years (2021-2025), and supports 40+ local charitable organizations. The firm is owner-operated with no institutional capital, no disclosed parent company, and no acquisitions, restructuring events, or leadership transitions on record. Revenue, financials, and growth metrics are not publicly disclosed.

Name

Mortgage Specialists, LLC

Legal name

Mortgage Specialists, LLC

Website

https://mtg-specialists.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Mortgage Specialists, LLC is an independent Omaha, Nebraska mortgage brokerage offering home purchase, refinance, and specialized divorce loans to individual consumers and SMB borrowers across the Omaha metro and adjacent Iowa market, operating with a small three-person loan team.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA), Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC), Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

Keywords

• Mortgage brokerage services
• Home purchase loans
• Mortgage refinancing
• Divorce lending solutions
• First-time homebuyer loans

Headquarters

HQ city

Omaha

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, Infrastructure

Revenue model

1. Mortgage Origination: Revenue generated from originating home purchase mortgages and refinance loans. As a mortgage broker, they earn origination fees and rate lock income when loans close.
2. Refinance Services: Fees earned from refinancing existing mortgages including rate/term refinances, cash-out refinances, and divorce-related refinances.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Mortgage Specialists, LLC is a mortgage brokerage that originates home purchase loans (first-time homebuyer, move-up, and investment/second home), refinance loans (rate/term and cash-out), and specialized divorce-related mortgage solutions (divorce refinance and divorce purchase). The firm processes applications through an online portal integrated with ZipForHome and supports borrowers with pre-approval, document guidance, and a 30-45 day closing timeline, serving primarily the Omaha metro and surrounding Nebraska and Iowa markets.

Product overview

Mortgage Specialists, LLC is a mortgage brokerage firm offering a comprehensive suite of home financing products and services. The core offerings consist of Purchase Loans (including First Time Homebuyer, Move Up Homebuyer, and Investment/Second Home Loan options), Refinance Loans (Rate/Term and Cash-Out options), and specialized Divorce Loans (Divorce Refinance and Divorce Purchase). Supporting resources include an online Mortgage Calculator, Educational Videos, and Client Document Examples. The company operates as a local, independent Omaha lender serving the Nebraska and Iowa markets.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Loans
• Refinance Loans
• Divorce Loans
• First Time Homebuyer Program
• Move-Up Homebuyer Loan
• Investment/Second Home Loan
• Rate/Term Refinance
• Cash-Out Refinance
• Divorce Refinance
• Divorce Purchase

Quantifiable outcome

• 30-45 day closing timeline for refinances and purchases
• +1 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered minor and core.

• Habitat for HumanityminorOthersCharitable partner. Mortgage Specialists supports Habitat for Humanity which provides affordable housing solutions. The company demonstrates community commitment through this and other charitable partnerships.
• NAS (Nebraska Adaptive Sports)minorOthersCharitable partner supporting adaptive sports programs in Nebraska. One of 40+ charitable organizations supported by Mortgage Specialists.
• Make-A-Wish FoundationminorOthersCharitable partner supporting the Make-A-Wish Foundation which grants wishes to children with critical illnesses.
• Local REALTORScoreChannel Partner/ Reseller/ DistributorMortgage Specialists works closely with local real estate agents throughout home purchase transactions. Referrals flow both directions. Testimonials mention close coordination with realtors to ensure smooth closings.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender, primarily direct-to-consumer with an industry-defining digital application experience. Comparable in product offering but operates at a fundamentally different scale and distribution model that competes with Mortgage Specialists for the same borrowers.
• loanDepot: One of the largest U.S. non-bank retail mortgage lenders, offering purchase and refinance products through both direct-to-consumer digital channels and retail branches. Comparable in core product set but materially larger scale and digital-native delivery.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender, partnering with independent mortgage brokers like Mortgage Specialists. Comparable industry category but operates as a wholesale partner/competitor from the broker's supply side rather than as a retail peer.

Direct peers

• Fairway Independent Mortgage Corporation: Large independent mortgage banker operating a retail branch model with local loan officers serving consumers for purchase and refinance. Closely comparable to Mortgage Specialists in business model (independent retail origination) and customer base (homebuyers and refinancers), but operates at significantly greater scale with hundreds of branches.
• Caliber Home Loans: National mortgage lender with retail origination focused on purchase and refinance, including specialty products. Comparable product mix and retail branch model serving consumers directly.
• Guild Mortgage: Retail-focused mortgage lender with branch offices serving consumers for purchase and refinance, including specialty programs for first-time buyers and government-insured loans. Directly comparable in product mix and relationship-based retail origination model.
• PrimeLending: National retail mortgage lender offering purchase and refinance products through a network of local loan officers. Directly comparable in offering suite (purchase, refinance, specialty loans) and distribution model (relationship-driven local branches serving consumers), but with national scale.
• CrossCountry Mortgage: Independent mortgage lender with a retail branch network offering purchase, refinance, and specialty loan products to consumers. Closely comparable business model centered on local loan officers and community-based origination.

Regional players

• First National Bank of Omaha: Regional bank headquartered in Omaha offering mortgage products alongside traditional banking. Directly competes with Mortgage Specialists in the same Omaha metro market for the same homebuyers and refinancers, but operates a bank-based distribution model.
• Nelnet Bank: Nebraska-based financial services company with mortgage servicing and origination capabilities. Operates in the same Nebraska market with overlapping customer base, but as a larger diversified financial services provider rather than a focused retail brokerage.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/mortgagespecialists
• LinkedInlinkedin.com/company/mortgage-specialists-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Mortgage Specialists, LLC