Mortgage Lender Reviews & Ratings » Prosperity Home Mortgage
Prosperity Home Mortgage NMLS #75164
Average Available Sources
Based on 187 Verified Customer Ratings
Key Facts
- LenderProsperity Home Mortgage
- NMLS # 75164
- Overall rating4.9 out of 5
- Total reviews187
- Review sourceAverage Available Sources
- Last updated
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About Prosperity Home Mortgage
Overview
Prosperity Home Mortgage, LLC is listed in NMLS records as a Virginia limited liability company with NMLS ID 75164. According to those records, the company was formed on 06/23/2006 and has its primary office in Fairfax, Virginia.
The company websites reviewed, phmloans.com and prosperity-direct.com, present Prosperity Home Mortgage as a mortgage lender for home purchase and refinance borrowers. The sites also reference cash out options, home equity uses, first-time homebuyer programs, real estate investor loans, and other named mortgage programs.
Based on the company website licensing page provided, Prosperity Home Mortgage lists licensing in Missouri, New Jersey, Oregon, and Virginia. BBB information in the evidence lists an A+ rating and indicates the business is not accredited by BBB.
Business Type
According to NMLS records, Prosperity Home Mortgage, LLC is organized as a limited liability company. Its state of formation is Virginia, United States.
The company websites use mortgage lender language and include paths for buying a home and refinancing a home. The available evidence does not clearly establish whether Prosperity operates as a direct lender or mortgage broker in every context.
Website and Branding
The public website URLs provided for Prosperity Home Mortgage are www.phmloans.com and www.prosperity-direct.com. The phmloans.com page title is listed as “Prosperity Home Mortgage, LLC,” while the prosperity-direct.com page title is listed as “Prosperity Home Mortgage.”
Trade names listed in the evidence include FM Lending Services, LLC, Long Mortgage Company, Long & Foster Home Mortgage, Trident Mortgage, The Tayman Team, Edina Realty Mortgage, FM Lending Services, Pennsylvania Preferred Mortgage, DFW Texas Mortgage, Home Team Mortgage, and The Lending Partners.
Headquarters
According to NMLS records, Prosperity Home Mortgage, LLC has its primary address at 3060 Williams Drive, Suite 600, Fairfax, VA 22031, United States.
NMLS records in the evidence list the company as formed in Virginia, United States. No address history beyond the current primary address was included in the evidence provided.
Years in Operation
According to NMLS records, Prosperity Home Mortgage, LLC was formed on 06/23/2006. Using the provided current year of 2026, that places the company at about 20 years in operation.
Loan Types
The company websites reviewed identify home purchase and refinance options. They also reference cash out options tied to home equity, ARM loans, real estate investor loans, first-time homebuyer programs, no money down options, Home Possible, community lending, and named programs including CompetitivEdge, Lock, Shop & Home, XLR8, Rapid Close, Prosperity Express, and Buyer Advantage.
The NMLS record in the evidence confirms the company identity and NMLS ID, but it does not provide a separate product list. The product details above come from the company website evidence.
Licensing Footprint
Based on the company website licensing page provided, Prosperity Home Mortgage lists licensing in 4 states: Missouri, New Jersey, Oregon, and Virginia.
The NMLS Consumer Access URL was included in the evidence, but the fetch status was blocked, so the state list here relies on the company website licensing data rather than a retrieved NMLS Consumer Access state list.
Scale
The evidence lists 581 branches for Prosperity Home Mortgage. Branch states listed are Alabama, Arizona, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Maryland, Michigan, Minnesota, Missouri, North Carolina, Nebraska, New Jersey, Nevada, New York, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, Wisconsin, West Virginia, and Wyoming.
Reputation
Based on the BBB information provided in the evidence, Prosperity Home Mortgage is listed with an A+ rating and is not listed as BBB accredited. The BBB confidence level in the evidence is medium.
No notable industry awards or recognition were identified for this lender at this time.
NMLS ID
Prosperity Home Mortgage, LLC is listed with NMLS company ID 75164. Consumers can use the NMLS Consumer Access website to verify current license status and company details.
Disclaimer
This profile is for informational purposes only. Prosperity Home Mortgage, LLC is listed with NMLS ID 75164.
Licensing information is subject to change. Readers should verify current licensing and company details directly with the lender or through NMLS Consumer Access.
NMLS #75164 — Verify on NMLS Consumer Access — Profile last updated: July 10, 2026
Frequently Asked Questions
What is Prosperity Home Mortgage's NMLS number?
Prosperity Home Mortgage operates under NMLS #75164. You can verify its license on the NMLS Consumer Access database at nmlsconsumeraccess.org.
How is Prosperity Home Mortgage rated by customers?
Prosperity Home Mortgage has an average rating of 4.9 out of 5 based on 187 reviews aggregated from Average Available Sources.
Where can I read reviews of Prosperity Home Mortgage?
Verified consumer ratings and reviews of Prosperity Home Mortgage are published on this FreeRateUpdate.com lender profile page.