Fox and Company Inc

What Fox and Company Inc does

Fox and Company Inc is a privately held mortgage brokerage and real estate services firm headquartered in Santa Rosa, California. Founded in 2016 by Mel Fox (formerly of Premier Lending and various banks and boutique brokerages), the firm operates as a one-stop shop for residential and commercial real estate finance, brokerage, leasing, property management, and consulting, serving primarily Sonoma County with commercial financing extended across the state of California. The 6-7 person team, which includes professionals with combined experience exceeding five decades across lending, underwriting, real estate brokerage, and law, originates a broad menu of loan products: fixed-rate and adjustable-rate mortgages, FHA, VA, USDA, HUD 184, conforming, jumbo, HELOC, reverse mortgages, private/hard money, SBA, commercial, and portfolio loans tailored to self-employed borrowers.

The business runs on a transaction-fee revenue model, earning origination fees and spread on closed mortgage loans plus fees on real estate transactions, leasing, and consulting engagements. Go-to-market is sales-led and relationship-driven: customers reach the firm via phone, email, an online ShapePortal application, or in-person consultations, with lead generation anchored on referrals, repeat clients, Zillow lender reviews, and Google Reviews. The firm holds NMLS license 1874195 and DRE license 2094128. No proprietary technology platform is disclosed; the firm operates as a traditional brokerage supported by standard third-party tools (including a mortgage calculator widget and a hosted application portal).

There is no evidence of external institutional investment, parent company, or subsidiaries; ownership is founder-led with a small partnership stake held by April Wilkes (Mortgage Manager/Partner). Commercial terms indicate private/hard money rates of 8.0-15.0% with 1-3 year balloon structures, commercial financing typically requiring 30-40% down (or 65-70% LTV on refis) on 3/1, 5/1, or 7/1 ARMs amortized over 15-25 years, and pricing is quote-based and not publicly disclosed. The operating footprint remains a single Santa Rosa office serving a regional California customer base.

Name

Fox and Company Inc

Legal name

Fox & Company Inc

Website

https://foxandcompanies.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Fox and Company Inc is a privately held, Santa Rosa-based mortgage brokerage and real estate services firm founded in 2016, serving primarily Sonoma County and broader California consumers and small businesses with residential and commercial mortgage origination, real estate brokerage, leasing, property management, and consulting.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Residential Investment Property Brokerage (SFR/Small Multifamily) (BPAJAAAE)

akta.pro secondary industries

Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH), Real Estate M&A / Joint Venture Advisory (Platform Deals, Partnerships) (BPAJANAF)

Keywords

• Mortgage brokerage
• Residential lending
• Commercial financing
• Real estate services
• Property management

Headquarters

HQ city

Santa Rosa

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Loan Origination: The company earns fees from originating mortgage loans including fixed-rate, adjustable-rate, FHA, VA, USDA, jumbo, conforming, HELOC, private/hard money, reverse mortgage, SBA, commercial, and portfolio loans. Revenue is generated through loan origination fees and interest rate spreads.
2. Real Estate Services: Revenue from real estate purchases, sales, listings, acquisitions, leasing, and property management services. Includes both residential and commercial real estate transactions.
3. Consulting Services: Fees for real estate and finance consulting including investment strategy, cash flow analysis, income/debt management, tenant-landlord placement, and property flipping risk analysis.
4. Property Management and Leasing: Fees for residential and commercial leasing services including tenant screening, placement, property management, and maintenance handling.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Fox and Company Inc is a Santa Rosa, California-based mortgage brokerage and real estate firm that originates a wide range of residential and commercial mortgage loans (fixed-rate, ARM, FHA, VA, USDA, HUD 184, conforming, jumbo, HELOC, reverse, SBA, commercial, portfolio, and private/hard money) and supplements lending with residential and commercial real estate brokerage, leasing, property management, and consulting services. The company operates as a one-stop advisory shop for individual homebuyers and commercial real estate investors in the local North Bay market.

Product overview

Fox & Company Inc operates as a full-service mortgage brokerage and real estate firm offering a comprehensive suite of financing and property services. The core offering includes diverse mortgage products ranging from conventional fixed-rate and adjustable-rate loans to government-insured programs (FHA, VA, USDA, HUD 184), jumbo loans, and specialty financing options (HELOC, private/hard money, reverse mortgages, SBA loans, portfolio loans). The company provides commercial financing and residential/commercial real estate services including search, listing, leasing, and property management. Consulting services for real estate investment strategy, cash flow analysis, and risk management complement the offerings. The company is headquartered in Santa Rosa, CA and primarily serves the Sonoma County and Bay Area markets.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgage Brokerage Origination of residential mortgage loans including fixed-rate, adjustable-rate, FHA, VA, USDA, HUD 184, conforming, jumbo, HELOC, and reverse mortgages, offered to individual homebuyers and homeowners seeking to purchase or refinance a primary residence, second home, or investment property.
• Commercial Financing Origination of commercial loans including SBA loans, commercial mortgages, portfolio loans, and private/hard money loans for commercial real estate investors and small business owners.
• Residential Real Estate Brokerage Brokerage services for buying and selling residential real estate, providing property search and representation for individual homebuyers and sellers.
• Commercial Real Estate Brokerage Brokerage services for buying, selling, and leasing commercial real estate properties, serving commercial real estate investors and small business owners.
• Leasing Services Leasing services for residential and commercial properties, assisting landlords and tenants in matching and executing lease agreements.
• Property Management Full-service property management for residential and commercial properties, supporting local owners who need day-to-day management of their real estate assets.
• Real Estate Consulting Advisory and consulting services related to real estate transactions, financing, and property decisions, supporting individual and commercial clients.

Quantifiable outcome

• Closed loan in less than 45 days for self-employed borrower who had previous bank loans take 7 months
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Movement Mortgage: Mid-sized U.S. mortgage lender with retail branches and a broad product menu including conventional, government, and specialty programs. Closely comparable in positioning as a relationship-driven, mission-oriented lender with community-focused service.
• Guild Mortgage: Mid-sized U.S. mortgage lender with strong specialty lending capabilities including government-insured (FHA/VA/USDA), jumbo, and portfolio products — closely aligned with Fox & Company's product breadth and specialization in non-conforming borrowers.
• NewRez (New Penn Financial): National mortgage lender and servicer offering conforming, government, jumbo, and specialty products with both retail and wholesale channels. Comparable in offering diverse mortgage solutions targeting similar borrower segments including self-employed and specialty financing needs.
• Paramount Residential Mortgage Group (PRMG): National independent mortgage lender offering extensive loan products including government, conventional, and specialty financing. Comparable in being an independent (non-bank) lender with broad product offerings and retail loan officer channels.
• Cornerstone Home Lending: Independent mortgage banker with retail branches across multiple states offering conventional, government, and specialty products. Comparable as a mid-sized independent lender competing on service and product breadth against large banks.
• CrossCountry Mortgage: National mortgage lender offering a wide range of conventional, government, jumbo, and specialty loan products through retail branches and loan officers. Comparable in product breadth, relationship-driven loan officer model, and focus on diverse borrower segments.

Broad incumbents

• Compass: Large national residential real estate brokerage with mortgage, title, and escrow adjacencies. Comparable in combining real estate services with affiliated mortgage offerings, though operating at vastly greater scale and geographic reach.
• Rocket Mortgage: Largest direct mortgage lender in the U.S., offering a full suite of conventional and government loan products nationally. Comparable in product breadth but competes via scale, technology, and direct-to-consumer brand rather than local relationship brokerage.
• eXp Realty: Cloud-based national residential real estate brokerage with mortgage and title partnerships. Comparable in providing brokerage services to agents and clients, but with a fundamentally different (cloud-based, distributed agent) operating model.
• loanDepot: National mortgage lender and broker offering purchase and refinance products across all major loan types. Comparable in offering a full product menu but operates at much greater scale with significant retail and direct-to-consumer channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fox-and-company-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Fox and Company Inc