The Mortgage Office

The Mortgage Office (TMO) is a loan origination and servicing platform for private lenders, CDFIs, nonprofits and government agencies. Founded in 1978 by Jerry and Eddy Delgado and headquartered in Huntington Beach, California, with a second office in San Mateo, the company builds software that automates complex loan portfolios across the full lifecycle, from application through payoff. Its platform replaces manual spreadsheets with automated payment processing, compliance-ready reporting, investor and fund management, and secure borrower and investor portals.

The scale is considerable. More than 1,100 lenders in 25 countries use the software, which manages over $190 billion in loans. Work concentrates on a set of related technical domains: loan origination software, loan servicing software, payment processing automation, compliance-ready reporting, investor and fund management, borrower and investor portals, and document and reporting automation.

The company serves verticals including private lending, community development financial institutions, nonprofits, government agencies, affordable housing and private capital lending. Its stated emphasis is on accuracy, transparency, accountability and operational efficiency, with a mission oriented towards helping client organisations maintain public trust. More than 45 years in business under founder-led ownership.