What Prosperity Lending does

Prosperity Lending is a privately held boutique mortgage brokerage, operated by Prosperity Real Estate Inc., headquartered in Irvine, California. Founded in 2018 by Alejandro Szita, the firm specializes in residential and investment-property mortgage origination for borrowers underserved by conventional lenders — primarily self-employed business owners, artists, creatives, and high-net-worth individuals who cannot qualify under standard tax-return-based underwriting. The company is licensed as a mortgage broker in California, Florida, Oregon, and Tennessee, and as a California real estate broker, with NMLS entity ID 2081075. As of the source data, the firm has approximately 7 employees.

The product portfolio spans primary home purchase, refinance, second mortgage, HELOC, reverse mortgage, commercial real estate, fix-and-flip, DSCR investment-property loans, and specialized California-only products including Residential Care Facilities for the Elderly (RCFE) financing and residential trust deed investments. The firm also offers property-rescue consulting for distressed California properties. Differentiated loan programs include bank-statement loans (with AI-assisted analysis of 12–24 months of statements), CPA-signed P&L loans, asset-based loans, FHA loans, and interest-only mortgages structured for Infinite Banking Concept (IBC) wealth strategies, with loan programs up to $10 million that do not require tax returns.

Underlying technology includes a proprietary in-house pre-qualification algorithm ('The Qualifier™') and a detailed preflighting process supported by third-party soft-credit-pull tooling, claimed to deliver a 96% approval rate on applications submitted to lenders. Revenue is generated exclusively through broker commissions paid at loan closing; initial consultations and soft credit pulls are free, and there are no upfront fees. Go-to-market is relationship-driven: free 40-minute consultations (in person, phone, or Zoom), referral partnerships with realtors, CPA firms (including an embedded in-house loan officer model), and attorneys, supplemented by content marketing (blog, newsletter) and podcast appearances by the principal. No funding rounds, institutional investors, parent company, or M&A activity are disclosed.

Name

Prosperity Lending

Legal name

Prosperity Real Estate Inc

Website

https://prosperitylending.us

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Prosperity Lending is a privately held boutique mortgage brokerage founded in 2018 and headquartered in Irvine, California, that originates residential and investment-property loans for self-employed business owners, artists, and high-net-worth borrowers across CA, FL, OR, and TN, earning revenue through broker commissions at closing.

Ownership category

akta.pro rank

Headquarters

HQ city

Irvine

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

Revenue model

1. Mortgage Broker Commission: Prosperity Lending charges a broker commission fee at the time of loan closing. There are no upfront fees, no hourly charges, and no obligation for initial consultations related to mortgage loan services. Revenue is earned exclusively upon successful loan closings.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Prosperity Lending is an independent mortgage brokerage that originates and places residential and commercial mortgage loans for self-employed borrowers, business owners, artists, and entrepreneurs. The firm specializes in alternative-documentation loan programs (Bank Statement, Profit & Loss, Asset-Based, DSCR, Interest-Only, FHA) that do not require W2s or tax returns, with loan sizes up to $10 million. Free 40-minute brainstorming consultations are offered, and revenue is earned solely as a broker commission at closing.

Product overview

Prosperity Lending is a mortgage brokerage firm offering a comprehensive suite of mortgage products and services for self-employed borrowers, business owners, artists, and entrepreneurs. The company operates as a unified mortgage brokerage rather than a modular platform. Core offerings include Primary Home Mortgages, Mortgage Refinancing, Second Mortgages, HELOCs, DSCR Loans for Investment Properties, Fix & Flip Loans, Reverse Mortgages, and Commercial Real Estate Loans. Specialized loan programs include Bank Statement Loans (analyzing 12-24 months of bank statements via AI), Profit & Loss Loans (using CPA-signed P&L statements), Asset-Based Loans (qualifying via liquid assets), DSCR Loans (using property income), FHA Loans, and Interest-Only Mortgages. Additional services include Property Rescue Consultation and Residential Trust Deed Investment opportunities.

Differentiator

Problem solved

Functional benefit

Products and services

• Primary Home Mortgage Home purchase mortgage product for self-employed borrowers, business owners, artists, and entrepreneurs, structured through specialized loan programs that may not require W2s or tax returns and go up to $10M.
• Mortgage Refinancing Refinancing services for existing mortgages to help clients secure better rates or access home equity.
• Second Mortgage A second loan taken out on a property that already has a primary mortgage, allowing clients to access additional equity.
• Home Equity Line of Credit (HELOC) A revolving credit line secured by the borrower's home equity, useful for business projects or other financial needs.
• DSCR Loan for Investment Rental Properties Debt Service Coverage Ratio loans for residential investment properties, using property income rather than borrower income to qualify.
• Fix & Flip Loan Short-term financing for investors purchasing properties to renovate and resell for profit.
• Reverse Mortgage Mortgage product allowing qualified homeowners to convert part of their home equity into cash without selling their home.
• Commercial Real Estate Loan Financing for commercial properties used for business purposes, including buildings and mixed-use developments.
• Residential Care Facilities for the Elderly (RCFE) Loans Specialized financing for residential care facilities for the elderly in California.
• Property Rescue Consultation (California) Consultation service for California property owners facing financial distress, foreclosure, or title challenges.
• Residential Trust Deed Investment California-based investment opportunities in residential trust deeds for investors seeking fixed-income returns.
• Bank Statement Loan Alternative documentation loan program using 12-24 months of business and/or personal bank statements to qualify self-employed borrowers without tax returns.
• Profit & Loss Loan Alternative documentation loan for established business owners using CPA-signed Profit & Loss statements instead of tax returns or bank statements.
• Asset-Based Loan Loan qualification based on liquid assets (cash, stocks) rather than income documentation, requiring assets equal to purchase price plus closing costs plus an additional dollar.
• DSCR Loan Program Debt Service Coverage Ratio loan using property income (actual or estimated by appraiser) to qualify, allowing investment property purchases with as little as 30% down.
• FHA Loan Federal Housing Administration backed mortgage with low down payment (as low as 3.5%) and flexible credit criteria for qualified borrowers.
• Interest-Only Mortgage Mortgage option where payments cover only interest, beneficial for Infinite Banking Concept strategy and business owners seeking to maximize cash flow.

Quantifiable outcome

• 96% approval rate on loan applications submitted to lenders
• +4 more outcomes

Named customers17 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Newfi Wholesale: Non-QM wholesale lender serving self-employed, investor, and non-traditional borrower segments. Comparable to Prosperity as it provides alternative loan products (bank statement, DSCR, asset-based) that brokers use to serve complex borrower scenarios.
• Angel Oak Mortgage Solutions: Non-QM lender offering bank-statement, P&L, asset-based, and investor loan programs. Directly comparable to Prosperity's alternative-documentation value proposition and self-employed borrower focus.
• Athas Capital Group: Private direct lender specializing in non-QM, hard money, and bridge loans for real estate investors and self-employed borrowers with non-traditional income documentation. Overlaps with Prosperity's investment-property and complex-scenario focus.
• Kind Lending: Non-QM mortgage lender offering bank-statement, DSCR, and alternative-documentation loans to self-employed borrowers and real estate investors. Direct peer in the alternative-doc segment that Prosperity Lending specializes in.
• Defy Mortgage: Non-QM mortgage lender focused on self-employed borrowers, bank-statement, and DSCR loans. Directly competes with Prosperity's core value proposition of providing financing options to borrowers who cannot qualify at conventional lenders.
• Griffin Funding: Boutique mortgage lender/broker specializing in self-employed borrowers, bank-statement loans, and non-QM programs up to $3M. Closest comparable to Prosperity in terms of niche focus, alternative-documentation specialty, and high-touch service model targeting business owners and creatives.

Broad incumbents

• United Wholesale Mortgage (UWM): Largest wholesale mortgage lender in the US, partnering exclusively with independent mortgage brokers. Provides the underlying loan products, technology, and pricing infrastructure that brokers like Prosperity access to serve their clients.
• loanDepot: Large diversified mortgage lender and broker offering retail, wholesale, and HELOC products. Broad incumbent competitor that increasingly targets non-QM and self-employed segments alongside Prosperity's niche focus.
• Rocket Mortgage: Largest US retail mortgage lender offering a broad product menu including self-employed and jumbo programs. Represents the scaled, technology-enabled incumbent that competes for the same self-employed borrower pool at much higher marketing spend.

Emerging players

• Verus Mortgage Capital: Non-QM MBS issuer and capital partner for non-QM lenders. Indirect peer that enables the broader non-QM ecosystem in which Prosperity operates—relevant because its funding capacity determines which non-QM products brokers like Prosperity can offer clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/prosperity-lending-us

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 Prosperity Lending