Mortgage Credit Professionals

What Mortgage Credit Professionals does

Mortgage Credit Professionals, operating as Mortgage and Credit Pro, is a DBA of Northwest Funding Group, Inc. (NMLS #101770), a private mortgage brokerage led by individual producer John Werner (NMLS #150553). The firm is licensed across Oregon, Washington, and Arizona, with an office footprint in Litchfield Park, AZ (headquarters) and Vancouver, WA, supported by dedicated phone lines per region. It serves individual homebuyers, homeowners seeking refinance or equity access, veterans, first-time buyers, and real estate investors, providing personalized mortgage origination and brokerage services as an intermediary between borrowers and wholesale lenders.

The product portfolio is broad for a sub-10-person operation, spanning conventional fixed-rate and adjustable-rate mortgages, FHA, VA, USDA, jumbo, HELOC, cash-out refinance, ITIN mortgages for non-SSN buyers, Energy Efficient Mortgages, and Good Neighbor/Public Servant loan programs. Supporting capabilities include a "Second Look" service for second opinions on competitor loan estimates, a real estate agent referral network, a mortgage calculator tool, and a Learning Center with weekly educational blog content optimized for local search. The underlying technology stack is light: a third-party online application portal (1003app.com) captures a 20-step pre-qualification questionnaire, paired with a CMS-driven website and standard social media accounts (Facebook, Instagram, LinkedIn, YouTube). No proprietary AI, API, or SDK offerings are present.

The business model is transactional fee-based: the broker earns origination commissions and yield-spread compensation from wholesale lenders at loan closing, with no publicly posted rate sheets and no disclosed revenue, funding, or headcount detail beyond a 1-10 employee band. GTM is sales-led and direct-to-consumer, relying on John Werner's personal brand, local SEO content, and referral flow from real estate agents. The company holds no institutional investors, no parent entity, and no disclosed awards or regulatory actions in the source material. Note: the leadership section lists a "Wendell Cox, Founder, Chief Credit Officer and Owner," which is not corroborated in the management-team data and may reflect outdated or conflicting source records.

Name

Mortgage Credit Professionals

Legal name

Northwest Funding Group, Inc.

Website

https://mortgageandcreditpro.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Mortgage Credit Professionals, operating as Mortgage and Credit Pro (DBA of Northwest Funding Group, Inc.), is a private mortgage brokerage led by John Werner (NMLS #150553) serving individual homebuyers and homeowners across Oregon, Washington, and Arizona.

Ownership category

akta.pro rank

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 industries

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA), Wholesale Mortgage Lending (Broker Channel) (FSALACAA)

Keywords

• Mortgage brokerage services
• Home loan origination
• Mortgage refinancing
• HELOC services
• VA loan programs

Headquarters

HQ city

Rockwall

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Mortgage Origination and Brokerage Services: Mortgage brokerage earning commissions and origination fees from lenders for placing loans. Revenue generated through transaction-based fees on closed mortgage loans including purchases, refinances, HELOCs, and specialized loan programs (FHA, VA, USDA, Conventional, jumbo). The company serves as an intermediary between borrowers and wholesale lenders, earning compensation from the lender at loan closing.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Mortgage and Credit Pro is an independent mortgage brokerage that places home purchase, refinance, HELOC, and government-backed loans with multiple wholesale lenders on behalf of individual borrowers in Oregon, Washington, and Arizona. The brokerage is built around John Werner (NMLS #150553) providing personalized rate quotes, pre-approvals, full mortgage process guidance, and a Second Look review of competing lenders' Loan Estimates.

Product overview

Mortgage and Credit Pro is a mortgage brokerage operating as a DBA of Northwest Funding Group, Inc. (NMLS #101770), led by John Werner (NMLS #150553). The company offers a comprehensive suite of mortgage products including purchase mortgages, refinances (rate-term and cash-out), HELOCs, and home equity loans. They provide government-backed options including FHA loans, VA loans, USDA loans, and specialized programs like Good Neighbor/Public Servant loans. Their offerings include conventional fixed-rate and adjustable-rate mortgages, jumbo loans for luxury properties, energy efficient mortgages, and ITIN mortgages for buyers without Social Security Numbers. The company supplements their lending services with down payment assistance programs, a Second Look loan comparison service, real estate agent referrals, and educational resources through their Learning Center and blog.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage and Credit Pro Brokerage Service Independent mortgage brokerage service placing home purchase and refinance loans with multiple wholesale lenders, offered to individual borrowers in Oregon, Washington, and Arizona.
• First-Time Homebuyer Mortgage Mortgage programs for first-time homebuyers, including HomeReady and Home Possible loans with as little as 3% down and flexible credit requirements, brokered to qualifying first-time buyers in OR, WA, and AZ.
• HELOC (Home Equity Line of Credit) A revolving line of credit for homeowners to borrow against their home equity during a draw period, offered with variable or fixed-rate options through wholesale lender partners.
• Adjustable-Rate Mortgage (ARM) Mortgages with initial fixed interest rates for periods such as 3/1, 5/1, 5/6, 7/1, or 10/1 before adjusting based on market conditions, brokered from wholesale lenders.
• FHA Loan Federal Housing Administration-backed loans requiring as little as 3.5% down with more lenient credit requirements for first-time and repeat buyers, brokered to FHA-eligible borrowers.
• VA Loan U.S. Department of Veterans Affairs-backed mortgages offering $0 down payment, no PMI, and competitive rates for eligible veterans, active-duty service members, and military spouses.
• USDA Loan USDA-backed mortgages for eligible rural and suburban properties offering no down payment for low-to-medium-income buyers, brokered to qualifying USDA-eligible borrowers.
• Conventional Fixed-Rate Mortgage Traditional fixed-rate mortgages in 15, 20, or 30-year terms providing predictable monthly payments for long-term homeowners, brokered from wholesale lender partners.
• Jumbo Loan Mortgages for high-priced properties exceeding conforming loan limits (over $726,200 in most areas), with stricter credit requirements and larger down payments, brokered to qualifying high-balance borrowers.
• Good Neighbor / Public Servant Loans Specialized programs including Good Neighbor Next Door (50% home price discount), Teacher Next Door (grants up to $4,170), and Officer Next Door for educators, law enforcement, and firefighters, brokered through participating lender programs.
• Down Payment Assistance Programs Financial assistance including grants (no repayment), forgivable loans (forgiven after 5-10 years of residency), and second liens for covering down payment and closing costs, coordinated with primary mortgage financing.
• Energy Efficient Mortgage Green mortgage options allowing borrowers to finance energy-saving improvements (e.g., solar panels, HVAC, insulation) into the primary loan through FHA, VA, or conventional programs.
• Cash-Out Refinance Refinancing option replacing an existing mortgage with a new loan for more than the current balance, providing the equity difference in cash for debt consolidation, renovations, or investments.
• ITIN Mortgage Mortgage programs for buyers using an Individual Taxpayer Identification Number instead of a Social Security Number, typically requiring 10-20% down payment, brokered through wholesale lenders.
• Second Look Loan Comparison Service Loan comparison service allowing clients to upload their current Loan Estimate from another lender to receive a second opinion on whether a better rate, lower fees, or improved loan structure is achievable, with feedback typically returned within 24 hours.
• Real Estate Agent Referral Service Referral service connecting homebuyers with recommended real estate agents based on their preferences, location, and home-buying requirements, generating a referral channel that can feed mortgage origination.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• CrossCountry Mortgage: National independent mortgage lender with a branch network and broad product set including FHA, VA, USDA, and specialty programs. Comparable business model to Mortgage and Credit Pro but operates at significantly larger scale with hundreds of loan officers.
• PrimeLending: National retail mortgage lender offering FHA, VA, USDA, Conventional, and HELOC products through loan officers across many states. Closely comparable retail-broker model and product breadth to Mortgage and Credit Pro.
• Fairway Independent Mortgage Corporation: Large independent retail mortgage lender with branch-based loan officers offering FHA, VA, USDA, Conventional, and specialty products. Operates a similar retail-broker model to Mortgage and Credit Pro but at multi-state branch scale.
• Guaranteed Rate: Independent retail mortgage lender offering purchase and refinance mortgages across multiple states through loan officers. Mirrors Mortgage and Credit Pro's retail-broker go-to-market approach with a comparable product suite and a digital application platform.

Emerging players

• Better.com: Fintech-led direct mortgage lender offering a fully digital purchase and refinance experience. Competes for the same digital-first, rate-shopping consumer segment that Mortgage and Credit Pro's online application targets.

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender offering direct-to-consumer purchase and refinance mortgages. Competes for the same rate-shopping borrowers that Mortgage and Credit Pro targets, but at massive scale with proprietary technology and captive servicing.
• loanDepot: National retail and wholesale mortgage lender offering purchase, refinance, and HELOC products across all 50 states. Directly competes in the same loan products as Mortgage and Credit Pro but operates both retail and wholesale channels at far greater scale.
• Caliber Home Loans: Mid-to-large national mortgage lender with retail, wholesale, and correspondent channels providing purchase, refinance, and specialty products including VA, FHA, and non-QM. Competes in overlapping geographies and product categories with Mortgage and Credit Pro.
• NewRez (Newpoint Residential Trust): Top-15 U.S. mortgage lender with retail, wholesale, and correspondent channels offering purchase and refinance products. Competes in the same product categories as Mortgage and Credit Pro across overlapping geographies.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender that supplies the broker channel in which Mortgage and Credit Pro operates. UWM is the dominant upstream wholesale partner whose pricing and product set directly affect Mortgage and Credit Pro's economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/channel/UCZVbDeBXvKEhYECmbe8LBmA/featured
• Facebookfacebook.com/mortgagecreditpro
• LinkedInlinkedin.com/company/mortgage-credit-pro
• Instagraminstagram.com/mortgageandcreditpro

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Mortgage Credit Professionals