Fluxx Mortgage and Financial

What Fluxx Mortgage and Financial does

Fluxx Mortgage and Financial (NMLS 1939945) is a privately held, option-based residential mortgage brokerage headquartered at 1600 E 8th Ave, Suite A200, Tampa, Florida, founded circa 2022 by CEO Ty Holt Jr. The firm operates as a multi-lender intermediary rather than a balance-sheet lender, originating purchase and refinance mortgages by matching borrowers to loan programs sourced from its wholesale lender relationships. Its go-to-market is consultative, sales-led, and consumer-direct: lead capture flows through a website-hosted 20-step quote questionnaire (purchase vs. refinance, property type, military status, employment, income, credit score, bankruptcy/foreclosure history) with no credit check required and no obligation to apply, supplemented by phone, email, in-person consultation, and a real estate agent recommendation/referral channel.

The product surface spans 20+ loan programs across conforming (Fixed Rate, FHA, VA, USDA, Jumbo), refinance (rate/term, cash-out, VA IRRRL), and specialty/alt-doc categories (Bank Statement for self-employed, DSCR, Bridge, Construction, Rehab, Fix & Flip, HELOC, Seller-Paid Buydown, Low Down Payment, First-Time Home Buyer). Adjacent non-lending offerings include a mortgage calculator, a Learning Center / blog content library, and a realtor matchmaking service. The underlying technology stack is a standard WordPress-hosted marketing site with web forms feeding into a third-party application portal (preapp1003.com), with no proprietary AI, models, or data assets disclosed.

Revenue mechanics are commission-based: Fluxx earns loan-officer/borrower-paid origination fees and broker compensation from lenders on each closed loan — a pure transaction-fee revenue model with revenue recognition tied to loan closings rather than recurring contracts. Operating geography is the United States, with concrete presence in Florida and South Carolina and marketing aimed at the broader Southeast; no funding rounds, institutional investors, parent entities, or M&A activity are recorded. Headcount is reported in the 1-10 range, management team is led by founder/CEO Ty Holt Jr. with Christa Jones-Hall (NMLS 1479770, 15+ years lending experience) as a featured loan originator, and there are no disclosed acquisitions, regulatory actions, awards, patents, or partnership agreements beyond the realtor referral channel.

Name

Fluxx Mortgage and Financial

Legal name

Fluxx Mortgage & Financial

Website

https://fluxxfunding.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Fluxx Mortgage and Financial is a privately held, option-based residential mortgage brokerage in Tampa, Florida, founded in 2022. It matches consumer borrowers across FL, SC, and the broader U.S. Southeast with 20+ purchase and refinance loan programs sourced from multiple wholesale lenders, earning origination commissions on each closed loan.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage brokerage
• Home loan products
• Refinance services
• Real estate financing
• Residential lending

Headquarters

HQ city

Tampa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination Commissions: As a mortgage brokerage, Fluxx earns origination fees and commissions on closed mortgage loans they facilitate for borrowers. Revenue is generated through broker compensation from lenders and/or origination fees charged to consumers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Fluxx Mortgage and Financial is a Tampa, Florida-based mortgage brokerage that originates residential home loans for individual consumers by sourcing loan products from multiple lenders. The firm guides borrowers—homebuyers, real estate investors, and existing homeowners—through a structured online quote request process and recommends appropriate loan programs such as fixed-rate, FHA, VA, USDA, Jumbo, HELOC, reverse mortgage, and refinance options.

Product overview

Fluxx Mortgage and Financial is an option-based mortgage brokerage offering a comprehensive suite of loan products and financial services. The portfolio includes traditional purchase mortgages (Fixed Rate, FHA, VA, USDA, Jumbo) alongside specialized programs (Bank Statement, DSCR, Bridge, Construction, Fix & Flip) for diverse borrower needs. The company complements its loan offerings with refinance products (standard, cash-out, VA IRRRL), a mortgage calculator tool, educational learning center, and a real estate agent referral service. As a mortgage brokerage, Fluxx connects consumers with various lending options tailored to first-time homebuyers, investors, veterans, and those with non-traditional income profiles.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Rate Mortgage
• Adjustable Rate Mortgage (ARM)
• FHA Loans
• VA Loans
• USDA Loans
• Jumbo Loans
• HELOC (Home Equity Line of Credit)
• Reverse Mortgage
• Mortgage Refinancing

Segments4 records

Ideal customer profiles4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• loanDepot: Large retail and wholesale mortgage lender offering purchase and refinance products across conventional, government, and non-QM programs. Competes directly with Fluxx in the same product categories and customer segments, with substantially greater scale, marketing budget, and licensed loan officer footprint.
• NewRez (formerly New Penn Financial): Retail and wholesale mortgage lender with strong non-QM and specialty programs (similar to Fluxx's DSCR and Bank Statement offerings) plus conventional conforming. Relevant peer due to overlapping specialty product emphasis and broker/retail hybrid go-to-market.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender, supplying brokers (including Fluxx) with loan products. Indirect competitor and counterparty — competes for broker mindshare via technology, comp plans, and product availability.
• Rocket Mortgage: Largest U.S. retail mortgage lender and direct competitor across the same borrower segments (first-time, conventional, FHA, VA, jumbo, refinance). Operates Rocket Pro TPO wholesale channel that competes with Fluxx's broker relationships; broad incumbent with significantly larger scale and digital infrastructure.

Direct peers

• LendingTree: Online loan marketplace that connects consumers to multiple lenders and brokers — fundamentally the broker/intermediary concept Fluxx operates within. Comparable on consumer acquisition model, comparison-shopping UX, and multi-lender product breadth.
• PrimeLending: Retail mortgage lender owned by PlainsCapital offering purchase and refinance across conventional, government, jumbo, and specialty products. Comparable in multi-product positioning and relationship-driven retail origination model.
• Better.com: Digital-first mortgage lender offering purchase and refinance products direct-to-consumer. Competes for the same first-time homebuyer and refinance segments with a heavy digital UX emphasis that pressures Fluxx's customer experience differentiator.
• Guaranteed Rate: Large retail mortgage lender with a wholesale division (Properly) and a multi-product lineup spanning conventional, government, and non-QM loans. Directly comparable to Fluxx in product breadth, broker/retail hybrid model, and relationship-driven loan officer culture.
• CrossCountry Mortgage: Top-10 U.S. retail mortgage lender with extensive branch network and broker partnerships. Closely matches Fluxx's relationship-led, education-oriented positioning while operating at materially greater scale and geographic footprint.
• Fairway Independent Mortgage: Retail mortgage lender offering a comparable mix of conventional, government, jumbo, and renovation products with a heavy referral-based loan officer model. Particularly relevant peer given similar emphasis on relationship-led origination and product breadth.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/fluxxfunding
• LinkedInlinkedin.com/company/fluxx-funding

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 Fluxx Mortgage and Financial