Preferred Mortgage Partners, Inc.
Preferred Mortgage Partners is a privately-held California mortgage brokerage operating under the Preferred Mortgage Partners and Xpert Home Lending brands, serving residential homebuyers, refinancers, and real estate investors across the Bay Area, Central Valley, and select Nevada markets through a team of 25+ loan officers.
- Company typePrivate
- Founded-
- HeadquartersDanville, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Preferred Mortgage Partners, Inc. does
Preferred Mortgage Partners, Inc. is a privately-held California mortgage brokerage operating under both the 'Preferred Mortgage Partners' and 'Xpert Home Lending' brands, headquartered in Danville, CA. The firm facilitates residential home loans and refinancings as a broker — sourcing loan products from multiple wholesale lenders rather than originating on its own balance sheet — and earns revenue primarily through loan origination fees and interest rate margins (yield spread premiums) on closed transactions. Its product portfolio spans 30-year and 15-year fixed-rate mortgages, adjustable rate mortgages, FHA, VA, USDA, jumbo (up to $2.5M), 203K renovation loans, HARP, and reverse mortgages, supplemented by non-QM, bank statement, and DSCR programs targeting self-employed borrowers and real estate investors.
The company is built around a sales-led go-to-market model: 25+ loan officers and mortgage advisors plus two principals (John Dutra and Jeffery Kettmann) serve individual borrowers across the California Bay Area, Peninsula, Central Valley, and Coachella Valley, with select officers also licensed in Nevada. Officers carry 13–40+ years of California mortgage experience, and customer acquisition blends SEO-driven loan-product web pages, free digital tools (10-minute online application, mortgage calculator, refinance analysis, pre-approval letter), direct phone/email outreach, and real-estate-agent referral networks. Underwriting technology is conventional (standard 1003-format online application, website calculators, digital rate comparison) with no proprietary AI/ML components evidenced.
The customer base consists of individual homebuyers, refinancing households, first-time buyers, self-employed borrowers, real estate investors, and seniors; no enterprise customers or institutional anchors are disclosed. The firm holds NMLS #2179191 and California DRE license #02166758, is privately held with no disclosed institutional or venture capital ownership, and operates without disclosed funding, M&A, or revenue figures.
Preferred Mortgage Partners, Inc. firmographics
Firmographics- Name
- Preferred Mortgage Partners, Inc.
- Legal name
- Preferred Mortgage Partners, Inc.
- Website
- https://pmpmortgage.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Preferred Mortgage Partners is a privately-held California mortgage brokerage operating under the Preferred Mortgage Partners and Xpert Home Lending brands, serving residential homebuyers, refinancers, and real estate investors across the Bay Area, Central Valley, and select Nevada markets through a team of 25+ loan officers.
- Ownership category
- akta.pro rank
Preferred Mortgage Partners, Inc. industry classification
Industry- 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
- Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)
Keywords
Where Preferred Mortgage Partners, Inc. is headquartered
LocationHeadquarters
- HQ city
- Danville
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Preferred Mortgage Partners, Inc. business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Loan Origination Fees: The company earns revenue through loan origination fees charged on mortgage transactions. As a mortgage broker, they facilitate loans between borrowers and lenders, earning commissions and fees based on completed loan transactions. The process is transaction-based, with revenue generated when a loan closes.
- Interest Rate Margins: Mortgage brokers typically earn revenue through the spread between the wholesale rate they offer and the retail rate charged to borrowers, as well as yield spread premiums from lenders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free initial consultation and rate quotes |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Preferred Mortgage Partners, Inc. product offering
Product offeringCore offering
Preferred Mortgage Partners, Inc. is a privately held California mortgage broker that originates home purchase, refinance, and specialty residential loans by placing borrower applications with multiple wholesale lenders. Offerings span conventional fixed-rate (15- and 30-year) and adjustable-rate mortgages, government-backed FHA/VA/USDA loans, Jumbo loans, 203K renovation financing, HARP refinancing, and FHA-insured Reverse Mortgages for seniors. The brokerage supports these loan products with free digital tools (pre-approval letter, mortgage calculator, refinance analysis) and a 100% online loan application that completes in roughly 10 minutes.
Product overview
Preferred Mortgage Partners, Inc. operates as a mortgage brokerage offering a comprehensive suite of mortgage products through its Xpert Home Lending brand. The company's core offerings include traditional fixed-rate mortgages (15-year and 30-year terms) and adjustable rate mortgages, supplemented by government-backed loan programs including FHA Loans, VA Loans, and USDA Loans. The product portfolio also includes specialty offerings such as Jumbo Loans for high-value properties, 203K Loans for home renovation financing, HARP Loans for underwater homeowners, and Reverse Mortgages for seniors 62+. The company supports its loan products with digital tools including an online mortgage application platform, mortgage calculator, pre-approval letter generator, and refinance analysis tool. The firm operates primarily in California with a team of loan officers and mortgage advisors, offering both purchase financing and refinancing services.
Differentiator
Problem solved
Functional benefit
Products and services
- 30-Year Fixed Rate Mortgage Traditional fixed-rate mortgage with a constant interest rate and monthly payments that never change for the life of the loan; ideal for homeowners planning to stay in their home for seven years or longer.
- 15-Year Fixed Rate Mortgage Fully amortized fixed-rate mortgage over 15 years with constant monthly payments at a lower interest rate than the 30-year option, allowing borrowers to own their home twice as fast.
- Adjustable Rate Mortgage (ARM) Mortgage whose interest rate changes periodically over the loan term, offering lower initial interest rates than fixed-rate mortgages; suitable for borrowers who plan to own their home for only a few years or expect increased future earnings.
- FHA Loans Mortgage loans insured by the Federal Housing Administration, requiring a low down payment of 3.5% and accessible to borrowers with less-than-perfect credit.
- VA Loans Mortgage loans guaranteed by the U.S. Department of Veterans Affairs for eligible American veterans or their surviving spouses, with no down payment required.
- 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, with no cash down payment required.
- Jumbo Loans Loans that exceed conforming loan limits set by Fannie Mae and Freddie Mac, with financing available up to $2.5 million for properties in higher-cost markets.
- 203K Renovation Loans FHA-backed loans for buyers who want to purchase or refinance a damaged or older home and include funds for renovations, with provisions for contingency reserves and temporary mortgage payments during remodeling.
- HARP Loans Home Affordable Refinance Program loans backed by the Federal Housing Finance Agency to help underwater and near-underwater homeowners refinance without paying down principal or mortgage insurance.
- Reverse Mortgage (HECM) Loans for seniors age 62 and older, insured by the Federal Housing Administration (HECM), allowing homeowners to convert home equity into cash with no monthly mortgage payments.
Quantifiable outcome
- Home loans typically funded within 30 days
- +1 more outcomes
Companies that use Preferred Mortgage Partners, Inc.
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
Preferred Mortgage Partners, Inc. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Preferred Mortgage Partners, Inc. partnerships and signals
Strategic signalScale indicators4 records
Recent moves5 records
Expansion highlights5 records
Preferred Mortgage Partners, Inc. competitors and assessment
Company assessmentDirect peers
- loanDepot: One of the largest US mortgage originators operating retail, wholesale (broker), and direct-to-consumer channels. Comparable to PMP as a multi-channel broker/lender offering conventional, government, and jumbo products, though at much greater scale and with proprietary technology.
- Paramount Residential Mortgage Group (PRMG): Independent mortgage lender operating retail, wholesale, and correspondent channels with a broad product set including non-QM. Comparable to PMP as a similarly-structured independent mortgage shop serving the same borrower segments through a broker-enabled model.
- New American Funding: Mid-large independent mortgage lender headquartered in California with a retail and broker presence, including specialty focus on Latino and first-time homebuyer segments. Directly comparable to PMP as a California-rooted, multi-product lender serving similar borrower demographics.
- Homebridge Financial Services: Independent mortgage lender operating retail and wholesale (broker) channels nationwide with a broad product mix including government, jumbo, and renovation loans. Comparable to PMP in offering a full suite of purchase and refinance products through a broker/retail model.
- Fairway Independent Mortgage Corporation: Large independent mortgage lender operating a retail branch and broker model with a similar multi-product offering (conventional, FHA, VA, USDA, jumbo, reverse). Closely comparable to PMP as a relationship-driven, multi-product mortgage shop.
Regional players
- Guild Mortgage: US mortgage lender with strong retail branch footprint in the Western US, including California. Comparable to PMP as a Western US-focused lender offering similar product types, but operating at significantly larger scale.
Broad incumbents
- Rocket Mortgage: Largest US retail mortgage lender with a leading direct-to-consumer digital origination platform. Comparable to PMP as a competitor for purchase and refinance origination, particularly through digital channels that compete with PMP's self-serve tools.
- United Wholesale Mortgage (UWM): The largest US wholesale mortgage lender serving independent mortgage brokers. Comparable to PMP as a wholesale broker counterparty and as a market-setter on broker-channel pricing and product, though UWM operates as the lender rather than as a broker.
- Caliber Home Loans: National mortgage lender and servicer offering purchase and refinance products through retail and wholesale channels. Comparable to PMP as a multi-channel lender offering conventional, government, and non-QM products, though at greater scale.
Emerging players
- Better.com: Digital-first mortgage lender offering a streamlined, fully online origination experience for purchase and refinance. Comparable to PMP as a competing origination channel targeting the same self-serve borrower behavior, though via a purely digital model without in-person loan officers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Preferred Mortgage Partners, Inc. social profiles
Digital presencePreferred Mortgage Partners, Inc. compliance and trust
Trust signalCompliance1 record
Preferred Mortgage Partners, Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Preferred Mortgage Partners, Inc. leadership team
Management profileNumber of profiles
Profiles9 records
Preferred Mortgage Partners, Inc. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Preferred Mortgage Partners, Inc. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Preferred Mortgage Partners, Inc.
What does Preferred Mortgage Partners, Inc. do?
Preferred Mortgage Partners, Inc. is a privately held California mortgage broker that originates home purchase, refinance, and specialty residential loans by placing borrower applications with multiple wholesale lenders. Offerings span conventional fixed-rate (15- and 30-year) and adjustable-rate mortgages, government-backed FHA/VA/USDA loans, Jumbo loans, 203K renovation financing, HARP refinancing, and FHA-insured Reverse Mortgages for seniors. The brokerage supports these loan products with free digital tools (pre-approval letter, mortgage calculator, refinance analysis) and a 100% online loan application that completes in roughly 10 minutes.
Is Preferred Mortgage Partners, Inc. a public or private company?
Preferred Mortgage Partners, Inc. is a private company. It is classified as management employee owned and is currently operating.
When was Preferred Mortgage Partners, Inc. founded?
Preferred Mortgage Partners, Inc. was founded in -1. It employs 11 to 50 people.
Where is Preferred Mortgage Partners, Inc. based?
Preferred Mortgage Partners, Inc. is headquartered in Danville, United States, in the North America region.
How does Preferred Mortgage Partners, Inc. make money?
Two revenue lines are on record. Loan Origination Fees are the primary driver. The others are interest Rate Margins.
Who are Preferred Mortgage Partners, Inc.'s main competitors?
Direct peers on record are loanDepot, Paramount Residential Mortgage Group (PRMG), New American Funding, Homebridge Financial Services and Fairway Independent Mortgage Corporation. Guild Mortgage is listed as a regional player. Broad incumbents are Rocket Mortgage, United Wholesale Mortgage (UWM) and Caliber Home Loans. Better.com is listed as an emerging player.
Does Preferred Mortgage Partners, Inc. have an API?
No public API is recorded for Preferred Mortgage Partners, Inc..
What industry is Preferred Mortgage Partners, Inc. in?
Preferred Mortgage Partners, Inc.'s product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSALABAJ, Mortgage Comparison, Marketplace & Rate-Shopping Platforms. Its NAICS code is 522310 and its SIC code is 6163.