Prosperity Mortgage Llc

What Prosperity Mortgage Llc does

Prosperity Mortgage LLC is a privately-held, founder-owned mortgage brokerage headquartered in Fort Worth, Texas. The company is owned and operated by Lisa Melton (NMLS#315147), a 30-year industry veteran, and operates under NMLS#517204 as a licensed mortgage broker rather than a direct lender, earning transaction-based origination fees by placing loans with third-party wholesale lenders. The business serves individual consumers and small-scale real estate investors across the Dallas/Fort Worth Metroplex, with a primary emphasis on first-time home buyers, veterans (VA loans), self-employed borrowers, low-FICO applicants, and rural Texas buyers eligible for USDA programs.

The product portfolio is unusually broad for an operation of this size, spanning seven core loan categories (Fixed Rate, ARM, Conventional, Jumbo, VA, FHA, USDA) plus sixteen specialized programs including Bank Statement, DSCR, 203(k), Construction-to-Perm, Reverse Mortgage, Church Loans, Home Choice Voucher, Mixed Use/Commercial, and 100% financing. Ancillary revenue streams include credit report fees ($75 single / $150 combined, payable via PayPal or Zelle) and Notary Public Services that cover Tarrant, Parker, and Dallas/Fort Worth counties with both in-person and Remote Online Notarization (RON) capabilities. A sub-brand called Believe It Custom Builders is under development to extend into custom home construction.

Distribution is conducted through a 5-step direct-to-consumer origination workflow combining an online application portal (zipforhome.com), phone and email-based loan officer engagement, and a referral partner network of approximately 15 realtors, insurance agents, home inspectors, movers, accountants, and attorneys in the Metroplex. Marketing relies on the company website, organic social media (Facebook, LinkedIn, Twitter, Instagram), and partner referrals. The company holds no proprietary technology platform, exposes no API, and employs no described AI/ML capabilities; all processing is human-driven by the approximately three-person team of licensed originators.

Name

Prosperity Mortgage Llc

Legal name

Prosperity Mortgage LLC

Website

https://prosperityfinancialmtg.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Prosperity Mortgage LLC is a privately-held Fort Worth, Texas mortgage brokerage that originates residential and niche (VA, FHA, USDA, DSCR, bank-statement) loans for individual homebuyers and small investors across the Dallas/Fort Worth Metroplex via a small founder-led team and a 15+ partner referral network.

Ownership category

akta.pro rank

Product category

Mortgage Lending Services

NAICS

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

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industry

Reverse Mortgage Valuation, Title & Closing Services (Appraisal/Settlement) (FSALAIAH)

Keywords

• Mortgage lending services
• Home loan origination
• Mortgage refinancing
• Residential mortgage brokerage
• Notary public services

Headquarters

HQ city

Fort Worth

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, Others

Revenue model

1. Mortgage Origination Fees: Prosperity Mortgage generates revenue by originating mortgage loans for homebuyers and refinancing borrowers. Revenue is earned through origination fees charged at loan closing, which are typically a percentage of the loan amount. As a licensed mortgage broker (NMLS#517204), the company works with lenders to place loans and earns compensation from the lending institution or directly from the borrower.
2. Notary Public Services: The company offers notary public services to its mortgage customers and the broader public, with notary agents (SA/RON) available in Tarrant, Parker, and Dallas/Fort Worth counties. Revenue is generated through per-service notary fees.
3. Credit Report Fees: The company charges fees for credit reports: $75 for a single credit report and $150 for a combined credit report, payable via PayPal or Zelle.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Prosperity Mortgage LLC is a licensed mortgage broker (NMLS#517204) that originates residential mortgage loans for homebuyers and refinancing borrowers in the Fort Worth, Texas market. The company places loans with lenders and earns origination fees at closing, while also offering complementary services such as notary public (including Remote Online Notarization) and credit reports. Loan officers guide customers through a structured 5-step process (application, pre-approval needs review, documentation, credit pull, closing) with personalized support.

Product overview

Prosperity Mortgage LLC operates as a single-location mortgage brokerage offering a unified suite of mortgage lending products and services. The core portfolio centers on seven primary loan products — Fixed Rate Mortgage, Adjustable Rate Mortgage (ARM), Conventional Loans, Jumbo Loans, VA Loans, FHA Loans, and USDA Loans — which together form the foundational mortgage offerings. These are complemented by over a dozen specialized loan modules including Cash Out Refinancing, Bank Statement Programs, DSCR Loans, 203(k) Rehabilitation, Construction-to-Perm, Church Loans, Reverse Mortgage, and niche products for self-employed borrowers and low-FICO applicants. The company also offers Notary Public Services (including Remote Online Notarization) as a supporting service, and is developing a custom home building sub-brand called Believe It Custom Builders. All offerings are delivered through the company's Fort Worth, TX office.

Differentiator

Problem solved

Functional benefit

Brands

• Believe It Custom Builders: Custom home building services (currently under construction as of available source data).

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered core and minor.

• TC West Realty Group (Travis West)coreChannel Partner/ Reseller/ DistributorTravis West operates TC West Realty Group and is listed on Prosperity Mortgage's official Partner Resources page as a recommended realtor. Referral relationship in the Fort Worth, Texas market. Phone: (832)-492-1734, Email: [email protected].
• EXP Realty (Tamara Ruffin)coreChannel Partner/ Reseller/ DistributorTamara Ruffin of EXP Realty is listed on Prosperity Mortgage's official Partner Resources page as a recommended realtor referral partner. Phone: (817)-888-6830.
• Our Covenant Realty (Quantence Walker)coreChannel Partner/ Reseller/ DistributorQuantence Walker of Our Covenant Realty is listed on Prosperity Mortgage's official Partner Resources page as a recommended realtor. Email: [email protected], Phone: (817)-301-2246.
• Tybrion Realty (Carlene King)coreChannel Partner/ Reseller/ DistributorCarlene King of Tybrion Realty is listed on Prosperity Mortgage's official Partner Resources page as a recommended realtor. Email: [email protected], Phone: (817)-891-8182.
• Per-Fit Realty (Stacy Cato)coreChannel Partner/ Reseller/ DistributorStacy Cato of Per-Fit Realty (bilingual) is listed on Prosperity Mortgage's official Partner Resources page as a recommended realtor. Email: [email protected], Phone: (817)-298-7486.
• Harper Homes (Kimberly Harper)coreChannel Partner/ Reseller/ DistributorKimberly Harper of Harper Homes is listed on Prosperity Mortgage's official Partner Resources page as a recommended realtor. Email: [email protected], Phone: (817)-404-8285.
• Ark Of the Covenant MoversminorChannel Partner/ Reseller/ DistributorArk Of the Covenant Movers (contact: Joviah, Phone: (682)-239-7588) is listed on Prosperity Mortgage's Partner Resources page as a recommended moving company for clients completing home purchases.
• VIP MoversminorChannel Partner/ Reseller/ DistributorVIP Movers is listed on Prosperity Mortgage's Partner Resources page as a recommended moving company. Website: vipmovingcompany.com.
• Green House Media SolutionsminorChannel Partner/ Reseller/ DistributorGreen House Media Solutions is listed on Prosperity Mortgage's Partner Resources page as a recommended partner service. Website: greenhousemedia.solutions.
• Genesis Landscaping CompanyminorChannel Partner/ Reseller/ DistributorGenesis Landscaping Company (Phone: (817)-734-4758) is listed on Prosperity Mortgage's Partner Resources page as a recommended service for home buyers completing purchases.
• Allstate (Claudia Spence, Shaneika Webb, Kenneth Davis, Ray Dickerson)coreChannel Partner/ Reseller/ DistributorFour Allstate insurance agents are listed on Prosperity Mortgage's official Partner Resources page: Claudia Spence ([email protected]), Shaneika Webb, Kenneth Davis ([email protected]), and Ray Dickerson ([email protected]). Homeowner's insurance is a required component of mortgage closings, making this a key referral relationship.
• C.A. Home InspectioncoreChannel Partner/ Reseller/ DistributorC.A. Home Inspection (Website: cahomeinspections.net) is listed on Prosperity Mortgage's Partner Resources page as a recommended home inspection service for buyers.
• Frank Adame, Professional Home InspectorcoreChannel Partner/ Reseller/ DistributorFrank Adame (Website: sbhinspections.net) is listed on Prosperity Mortgage's Partner Resources page as a recommended professional home inspector.
• D. Reed & Associates (Accountant)minorChannel Partner/ Reseller/ DistributorD. Reed & Associates is listed on Prosperity Mortgage's Partner Resources page as a recommended accounting/tax service for home buyers. Email: [email protected].
• Randy Agnew (Attorney)minorChannel Partner/ Reseller/ DistributorRandy Agnew, Attorney (Email: [email protected], Phone: (817)-377-1654), is listed on Prosperity Mortgage's Partner Resources page as a recommended legal service provider for home buyers.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• PrimeLending: Plano, Texas-based retail mortgage originator with a multi-state retail branch network offering a similar product menu (Conventional, FHA, VA, USDA, Jumbo). Comparable in GTM as a retail/consumer-direct mortgage provider serving homebuyers, though materially larger in scale.
• Guild Mortgage Company: Retail mortgage lender with branch distribution and an extensive product menu including specialized programs for low-to-moderate-income and self-employed borrowers. Comparable in customer-segment focus (first-time buyers, underserved niches) and branch-led GTM.
• Fairway Independent Mortgage Corporation: Retail mortgage lender with a branch model and a broad product set including niche programs (bank statement, non-QM). Directly comparable in serving first-time and underserved borrowers through a high-touch, branch-based distribution model that competes for the same referral-driven purchase volume.
• Academy Mortgage Corporation: Retail mortgage originator with a strong community-partner and realtor referral orientation similar to Prosperity Mortgage. Comparable focus on purchase mortgages for first-time and underserved buyers, with overlapping product offerings (FHA, VA, USDA, down payment assistance).
• Certainty Home Loans: Mid-sized retail mortgage lender operating a branch model with FHA, VA, USDA, and niche non-QM products. Comparable in serving similar borrower profiles through a relationship-based, branch-distributed approach.

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender, offering a fully digital application experience and broad product menu. Competes for the same first-time, refinance, and FHA/VA borrowers that Prosperity Mortgage targets, with vastly superior brand awareness and technology investment.
• loanDepot: Large national retail and wholesale mortgage lender with extensive product offerings including specialty programs for self-employed and non-prime borrowers. Comparable product breadth; competes for the same purchase and refi demand but at significantly greater scale and with a digital-first funnel.
• Caliber Home Loans: Large-scale retail and wholesale mortgage lender offering a broad product suite including bank statement and non-QM programs. Comparable product breadth; operates at materially greater scale but overlaps significantly in target customer segments.

Others

• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender providing brokered loan products, technology, and infrastructure to independent mortgage brokers. Indirectly comparable as the upstream wholesale partner from which Prosperity Mortgage likely sources much of its loan product menu.

Emerging players

• Better.com: Digital-first mortgage lender offering a streamlined online application and pre-approval experience. Competes for tech-enabled first-time and self-employed buyers through lower friction and direct-to-consumer digital marketing.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xtwitter.com/ProsperityMtg
• Facebookfacebook.com/Prosperity-Mortgage-LLC-5175660116
• LinkedInlinkedin.com/company/prosperity-mortgage-llc
• Instagraminstagram.com/prosperitymtgllc

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 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 Mortgage Llc