ABOUT US
San Diego's Trusted
Mortgage Partner
We're not a big bank. We're a boutique mortgage brokerage that shops dozens of lenders to find you the best rate — with personal service that the big banks simply can't match.
50K+
Homes Financed
$12B+
Loans Funded
4.9★
Average Rating
48
States Licensed
MEET YOUR LOAN OFFICER
A Mortgage Broker Who Works for You — Not the Bank
Dave Holland founded Keypath Mortgage with a simple mission: make the mortgage process transparent, fast, and genuinely helpful. After years in the industry watching borrowers get steered toward products that benefited lenders more than clients, Dave set out to do things differently.
As a licensed mortgage broker — not a bank employee — Dave works for you. That means shopping dozens of wholesale lenders to find the best rate and terms for your specific situation, not just pushing the products his employer wants to sell.
Based in San Diego and licensed in 38 states, Keypath Mortgage has helped over 50,000 families achieve homeownership and save money through smart refinancing.
Licensed Since
Over 10 years experience
Licensed In
38 states nationwide
Specialty
VA, FHA, Conventional, Jumbo
NMLS
#2273319 | Equal Housing Lender
OUR DIFFERENCE
Why Clients Choose Keypath Mortgage
We could list features, but the real answer is simple: we treat every client like they're our only client.
Broker, Not a Bank
We shop 40+ wholesale lenders to find your best rate. Banks only offer their own products. The difference can be 0.5–1% lower rate — thousands in savings over the life of your loan.
24-Hour Pre-Approval
In San Diego's competitive market, speed matters. We move fast — pre-approval in as little as 5 minutes so you can make strong offers with confidence.
Direct Access to Dave
No call centers, No hard sales pitches. Questions answered same day — not in 3–5 business days.
60-Day Rate Lock
Lock your rate for 60 days while you shop — longer than most lenders offer. No obligation. If rates drop after you lock, ask about float-down options.
Transparent Pricing
No surprise fees. No hidden costs. We provide a detailed Loan Estimate upfront so you know exactly what you're getting. What we quote is what you pay.
4.9★ from 2,400+ Reviews
Our reputation is built on results. Over 2,400 five-star reviews from real clients who closed their loans, saved money, and recommend us to friends and family.
CLIENT REVIEWS
What Our Clients Say
★★★★★
"I refinanced my home and saved over $400 per month. The process was incredibly smooth. Dave kept me informed every step of the way."
Sarah Martinez
Refinance Client
★★★★★
"As a veteran, I was grateful for how easy they made the VA loan process. Closed in under 30 days. Zero down and the best rate I found anywhere."
James Robertson
VA Loan Client
★★★★★
"Best experience I've had with any lender. They walked me through every step and got me an amazing rate. Would recommend to anyone buying in San Diego."
Emily Chen
Home Purchase Client
Ready to Work with Keypath?
Call Dave directly or fill out a quick form. We'll reach out within 24 hours to discuss your goals and get you pre-approved.
Keypath Mortgage | NMLS #2273319 | Equal Housing Lender | 4901 Morena Blvd Suite 129, San Diego, CA 92117