PFS

What PFS does

PFS Mortgage (PFS, Inc.) is a family-owned mortgage brokerage founded in 1990 and headquartered in Stamford, Connecticut. Operating under NMLS #118657 and registered with the New York State Department of Financial Services, the firm is licensed to arrange residential and commercial mortgage loans in Connecticut, New York, Florida, and Hawaii. Rather than lending its own capital, PFS acts as an intermediary, sourcing loan products from multiple third-party lenders and earning origination fees, yield spread premiums, and processing fees on each closed transaction. The business is staffed and operated by the O'Brien family, with Frank, Egan, and Kiernan O'Brien covering the Northeast and Florida and Kaitlyn O'Brien Brooks covering Hawaii.

The firm's product portfolio spans conventional fixed-rate mortgages (15-year and 30-year), adjustable-rate mortgages in 5/1, 7/1, 10/1, and 15/1 configurations, FHA, VA, and USDA government-backed loans, jumbo products, renovation loans (FHA 203k, Homestyle, ARV), HELOCs, construction-to-permanent financing, and small-balance commercial loans ranging from $25,000 to $5,000,000. Customer segments include first-time homebuyers, refinancers, real estate investors with up to ten properties, self-employed borrowers, custom home builders, and small business owners requiring flexible commercial financing. The platform architecture combines digital origination tooling with personal service delivery: online applications are processed through Floify (eganobrien.floify.com) and my1003app.com, rates and scenarios are surfaced via an embedded mortgagecalculator.net widget, and 24/7 customer inquiries are handled by the Champ AI Assistant chatbot.

Commercially, PFS pursues a direct-to-consumer go-to-market motion supplemented by real estate professional referrals and organic search. The company emphasizes long-term customer relationships (testimonials document 15+ year repeat engagements), a personalized service model positioned against large national lenders, and membership in industry associations including NAMB (Lending Integrity Network) and the Commercial Mortgage Brokers Association. Pricing is structured around posted rates (e.g., 30-year fixed at 6.25% / 6.439% APR as of 06/29/2026) with specialized programs for non-traditional borrowers, and revenue is exclusively transaction-fee based with no subscription or recurring component.

Name

PFS

Legal name

PFS, Inc.

Website

https://pfsmortgage.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

1–10 employees

Short description

PFS Mortgage is a family-owned mortgage brokerage founded in 1990 and based in Stamford, Connecticut, arranging residential and small-balance commercial loans through third-party lenders for individual borrowers and investors across Connecticut, New York, Florida, and Hawaii.

Ownership category

akta.pro rank

Product category

Residential Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Real Estate Credit (522292)

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industries

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG), Cash-Out Refinance Origination (FSALAAAF)

Keywords

• Mortgage brokerage services
• Residential loan origination
• Home refinancing loans
• Government-backed mortgages
• Jumbo and commercial loans

Headquarters

HQ city

Easton

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 Brokerage Services: PFS operates as a mortgage broker earning commissions from arranging loans through third-party lenders. Revenue is generated through origination fees, yield spread premiums, and processing fees paid by partner lenders for successfully closed mortgage loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

PFS Mortgage is a family-owned mortgage broker that arranges residential and small-balance commercial mortgage loans through multiple third-party wholesale lenders. Originations span conventional fixed and adjustable-rate mortgages, FHA/USDA/VA government-backed loans, jumbo products, renovation and construction-to-permanent financing, HELOCs, and rate/term and cash-out refinances for borrowers in Connecticut, New York, Florida, and Hawaii. Revenue is earned via origination fees, yield spread premiums, and processing fees paid by partner lenders on closed loans.

Product overview

PFS Mortgage operates as a family-owned mortgage broker offering a comprehensive portfolio of residential and commercial mortgage products. The core product suite includes conventional fixed-rate mortgages (15-year and 30-year terms), adjustable rate mortgages (ARMs in 5/1, 7/1, 10/1, 15/1 configurations), and government-backed products including FHA loans, USDA loans, and VA loans. Additional offerings include specialized products such as the Flex Term Fixed Mortgage (customizable 8-30 year terms), renovation loans (FHA 203k, Homestyle, ARV), HELOCs, small balance commercial loans ($25K-$5M), and construction-to-permanent financing. Refinancing options include rate/term and cash-out products. The company primarily serves Connecticut, New York, Florida, and Hawaii markets through purchase, refinance, and investment property financing channels.

Differentiator

Problem solved

Functional benefit

Products and services

• 30-Year Fixed Mortgage Conventional 30-year fixed-rate residential mortgage with consistent monthly payments for the life of the loan, low down payment options starting at 3%, and no pre-payment penalties, priced in the PFS rate sheet (06/29/2026) at 6.25% rate / 6.439% APR up to a $832,750 loan limit.
• 15-Year Fixed Mortgage Conventional 15-year fixed-rate mortgage offering lower interest rates and reduced total interest over the loan's life, with down payment options as low as 3%, priced at 5.75% rate / 6.058% APR on the 06/29/2026 rate sheet.
• Adjustable Rate Mortgages (ARMs) Variable-rate mortgages with initial fixed-rate periods followed by annual adjustments, available in 5/1, 7/1, 10/1, and 15/1 configurations, with zero points, intended for borrowers seeking short-term savings or planned relocation.
• Flex Term Fixed Mortgage Customizable fixed-rate mortgage allowing borrowers to choose loan terms between 8 and 30 years for borrowers wanting payment terms between traditional 15- and 30-year options.
• FHA Loans Federal Housing Administration-insured mortgages for first-time homebuyers with down payments as low as 3.5% and more flexible credit score requirements.
• USDA Loans U.S. Department of Agriculture rural development mortgages offering 0% down payment with below-market interest rates for eligible rural and suburban properties.
• VA Loans Department of Veterans Affairs-backed mortgages for eligible veterans and active military members offering no down payment, competitive rates, and no mortgage insurance requirement.
• Jumbo ARM Products Adjustable-rate mortgages sized above conforming loan limits, available in 5/1, 7/1, 10/1, 15/1, and 30-year fixed jumbo configurations, with zero points on ARMs and starting jumbo rates from 5.75%.
• Renovation Loan (FHA 203k, Homestyle, ARV) Combination financing product that bundles home purchase or refinance with renovation costs in a single transaction for fixer-upper properties (FHA 203k, Homestyle, ARV structures).
• HELOC (Home Equity Line of Credit) Second mortgage that provides revolving credit access to home equity through lump-sum or periodic draws, with payment flexibility for homeowners.
• Construction-to-Permanent Loans Single-close construction financing that funds land purchase and home building with funds advanced at construction milestones, converting to permanent financing upon completion, for custom home builders.
• Small Balance Commercial Loans Commercial mortgage products from $25,000 to $5,000,000 for multi-family, mixed-use, retail, office, warehouse, mobile home parks, churches, self-storage, and similar properties, with up to 75% LTV and 2–4 week close timelines.
• Rate/Term Refinance Refinance product allowing borrowers to lower their interest rate or change loan term without drawing on home equity, for existing homeowners seeking better loan economics.
• Cash-Out Refinance Refinance option that lets homeowners tap accumulated home equity by refinancing into a loan amount larger than the existing balance, used for debt consolidation, retirement cash-out, or major expenses.

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature1 record

Partnerships

Seven partnerships are on record, tiered minor and core.

• Lending Integrity NetworkminorOthersPFS Mortgage displays the Lending Integrity Network logo, indicating membership in an organization focused on ethical lending practices and industry standards.
• CMBA (Commercial Mortgage Brokers Association)minorOthersPFS Mortgage displays the CMBA logo, indicating membership in the Commercial Mortgage Brokers Association for networking and industry best practices.
• Third-Party LenderscoreChannel Partner/ Reseller/ DistributorPFS Mortgage arranges loans through third-party lenders to provide competitive rates and diverse product options to customers. The company compares offerings across multiple lenders to find the best fit for each borrower's situation.
• FloifycoreTechnology or IntegrationPFS uses Floify's digital mortgage application platform (eganobrien.floify.com) for online loan applications, enabling borrowers to complete applications digitally.
• USDA (U.S. Department of Agriculture)coreOthersPFS offers USDA rural development loans backed by the U.S. Department of Agriculture, providing 0% down payment options for eligible rural and suburban homebuyers.
• FHA (Federal Housing Administration)coreOthersPFS offers FHA loans insured by the Federal Housing Administration, enabling lower down payments (as low as 3.5%) and easier qualification requirements for first-time homebuyers.
• VA (Department of Veterans Affairs)coreOthersPFS offers VA loans backed by the Department of Veterans Affairs, providing special benefits including 0% down, no mortgage insurance, and favorable terms for military veterans and active service members.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/PFSmortgage
• LinkedInlinkedin.com/company/pfs-

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 PFS