Note. A Mortgage Agency

What Note. A Mortgage Agency does

Note. A Mortgage Agency is a privately held, Las Vegas-headquartered residential mortgage lender operating as a non-delegated correspondent lender through a relationship with All Western Mortgage (AWM). Founded in 1996 by current President Tim Deibert, the company originates purchase loans, rate-and-term refinances, and cash-out refinances across Conventional, FHA, VA, and Jumbo programs, and is licensed in 23 U.S. states spanning the Southwest, Mountain West, South, Southeast, Pacific Northwest, Mid-Atlantic, and Midwest regions.

The company's technology footprint is intentionally lean: an online loan application portal at apply.notemortgage.com supports consumer self-service intake, three mortgage calculator tools (years/months, insurance-and-taxes, and year-based repayment) are used for top-of-funnel education and lead capture, and the firm maintains in-house underwriting and funding departments to control the transaction. The owner-reported average close time under 18 days for the President's book is positioned as a key operational advantage.

Commercially, Note. A Mortgage Agency generates revenue through transaction-based mortgage origination fees and runs a hybrid direct-to-consumer and sales-led go-to-market model, with 15+ loan officers serving individual homebuyers and a parallel channel of real estate agent and business associate referral partners. The company's organic growth motion combines educational blog content, earned media in Las Vegas Review Journal, Las Vegas Business Press, HousingWire, and Nevada Business, and reliance on lifetime relationships with referred customers. No external funding, M&A, app, or AI capabilities are present in the record.

Name

Note. A Mortgage Agency

Legal name

note. A Mortgage Agency

Website

https://notemortgage.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1–10 employees

Short description

Note. A Mortgage Agency is a Las Vegas-based non-delegated correspondent mortgage lender licensed in 23 U.S. states, originating purchase and refinance loans through 15+ loan officers and a network of real estate referral partners.

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 industry

PRIMARYFSALABAA

Retail Residential Mortgage Brokers (Purchase & Refinance)

Financial & Insurance/Mortgage & Housing Finance/Mortgage Brokerage & Intermediaries

SECONDARYFSALACAA

Wholesale Mortgage Lending (Broker Channel)

Financial & Insurance/Mortgage & Housing Finance/Wholesale & Correspondent Mortgage Lending

Keywords

• Residential mortgage lending
• Home purchase loans
• Mortgage refinancing
• Loan origination services
• Mortgage banking

Headquarters

HQ city

Las Vegas

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

Revenue model

1. Mortgage Origination Fees: Revenue generated from originating mortgage loans for homebuyers, including purchase loans, refinances, and cash-out refinances. The company serves as a non-delegated correspondent lender with relationship to All Western Mortgage (AWM).

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Note. A Mortgage Agency is a residential mortgage lending company operating as a non-delegated correspondent lender through its relationship with All Western Mortgage (AWM). The company originates purchase loans, rate refinances, and cash-out refinances across Conventional, FHA, VA, and Jumbo financing programs, supported by in-house underwriting and funding departments and a team of dedicated loan officers.

Product overview

Note. A Mortgage Agency is a mortgage lending company operating as a non-delegated correspondent with a relationship with All Western Mortgage (AWM). The company offers a comprehensive suite of mortgage services including purchase loans and refinancing across multiple loan programs (Conventional, FHA, VA, Jumbo). Their technology stack includes an online loan application portal (apply.notemortgage.com), mortgage calculator tools, and pre-approval services. The company operates across 22+ states with loan officers providing personalized mortgage guidance from application through closing.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgage Lending Services Full-service residential mortgage origination offering purchase loans and refinancing options across Conventional, FHA, VA, and Jumbo financing programs for individual homebuyers and homeowners.
• Online Loan Application Portal (apply.notemortgage.com) Self-service digital application platform that enables prospective borrowers to initiate mortgage applications and submit required documentation online.
• Mortgage Calculators Free calculator tools in three variants (Years and Months, Insurance and Taxes, and Year-based repayment) that help prospective borrowers estimate monthly mortgage payments and total interest.
• Pre-Qualification and Pre-Approval Services Pre-qualification and pre-approval services that help buyers understand their purchasing power and strengthen their offers when making a home purchase.
• Refinancing Options Cash-out refinancing and rate refinancing products that allow homeowners to renegotiate loan terms or access equity in their homes.
• First-Time Homebuyer Programs Programs and educational content designed to help aspiring first-time homeowners overcome upfront cost barriers to purchasing a home.

Quantifiable outcome

• Average close time under 18 days for Tim Deibert transactions, which is under half the industry average in Clark County
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

One partnership is on record.

• All Western Mortgage (AWM)coreStrategic or Co-development PartnerNote. A Mortgage Agency operates as a non-delegated correspondent lender with a relationship with All Western Mortgage (AWM), giving them the feel of a delegated correspondent while maintaining their independent operations. This relationship enables them to offer a full suite of mortgage banking services and technology systems while leveraging AWM's infrastructure.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Cornerstone Home Lending: Mid-size retail mortgage lender with branches across the Western, Southwestern, and Southern U.S., offering purchase and refinance loans with relationship-based loan officer service. Comparable in scale, multi-state retail footprint, and target customer segments to Note.
• PrimeLending: National retail mortgage lender with branch-based loan officers providing purchase and refinance loans across the U.S. Closely comparable to Note in relationship-driven retail model, multi-state branch footprint, and loan officer-led origination approach.
• Guild Mortgage: Retail-focused residential mortgage lender with retail branches across the Western, Southwestern, and Southeastern U.S., serving purchase and refinance borrowers with a relationship-based model. Closely comparable to Note in geographic footprint, retail branch model, and loan officer-driven customer engagement.

Broad incumbents

• Caliber Home Loans: National retail and correspondent mortgage lender offering Conventional, FHA, VA, and Jumbo loans. Comparable to Note in correspondent-side operations and product mix but operates at significantly greater origination volume and geographic breadth.
• Better.com: Digital-first direct-to-consumer mortgage lender offering purchase and refinance loans with a streamlined online experience. Comparable in core offering (residential purchase and refi) but represents the digital-native model that pressures traditional broker-based lenders like Note.
• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender operating primarily through the broker channel. Note's correspondent relationship with AWM and broker-referral-driven GTM make UWM a relevant channel-overlap peer, though UWM does not compete for retail consumer relationships.
• NewRez (New Residential Mortgage): National mortgage lender with retail, wholesale, and correspondent channels offering full product menu including Conventional, FHA, VA, and non-QM. Comparable in correspondent lending model and product breadth; competes in similar borrower segments across the U.S.
• Rocket Mortgage: Largest U.S. retail mortgage lender with a digital-first direct-to-consumer model and an extensive loan officer network. Comparable in offering purchase and refinance loans across the U.S., but operates at national scale with proprietary technology that Note does not match.
• loanDepot: Large retail and wholesale mortgage lender offering purchase and refinance loans across all 50 states with both direct-to-consumer and partner channels. Directly comparable to Note in loan program breadth (Conventional, FHA, VA, Jumbo) but operates at vastly greater scale.

Others

• All Western Mortgage: Note's correspondent partner that provides funding, technology, and operational infrastructure under their non-delegated correspondent agreement. Included as an enabling partner — not a direct competitor — but central to Note's operating model and economics.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/note-a-mortgage-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 Note. A Mortgage Agency