Licensing & Disclosures
Last Update: August 2025

LICENSING

Prosperity Home Mortgage, LLC (“Prosperity”) is a licensed mortgage loan originator (Nationwide Mortgage Licensing System Number - NMLS #75164) operating in 48 states and the District of Columbia. Please see below for additional licensing information as required.

Jurisdiction
State-Specific License Information
Alabama
Consumer Credit License #21964
Alaska
Alaska Mortgage Broker/Lender License #AK75164.
Arizona
Prosperity Home Mortgage, LLC, 3060 Williams Drive, Suite 300, Fairfax, VA 22031. Mortgage Banker License #BK-1001252
Arkansas
Arkansas Combination Mortgage Banker-Broker-Servicer License #116559.  Prosperity Home Mortgage, LLC, 3060 Williams Drive, Suite 300, Fairfax, VA 22031. (877) 275-1762.
California
Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. RMLA License #41DBO-97723.
Colorado
Prosperity Home Mortgage, LLC. (877) 275-1762. Regulated by the Division of Real Estate. Colorado Mortgage Company Registration #75164. Colorado Supervised Lender License #SUP-4000742.
Connecticut
Mortgage Lender License #ML-75164.
Delaware
Lender License #012729.
District of Columbia
District of Columbia Mortgage Dual Authority License #MLB75164.
Florida
Florida Mortgage Lender License #MLD1569. Florida Mortgage Lender Servicer License #MLD2362.
Georgia
Georgia Mortgage Lender License #43970. Prosperity Home Mortgage, LLC, 3060 Williams Drive, Suite 300, Fairfax, VA 22031.
Idaho
Idaho Mortgage Broker/Lender License #MBL-2080075164.
Illinois
Illinois Residential Mortgage License #MB.6761402
License shall not be transferable or assignable.
Street Address:  3060 Williams Drive, Suite 600, Fairfax, VA 22031
Mailing Address:  3060 Williams Drive, Suite 600, Fairfax, VA 22031
Phone:  703-880-3599
Toll-Free Number:  877-275-1762
Fax: 703-368-4917
Illinois Department of Financial and Professional Regulation
James R. Thompson Center,
IDFPR-Residential Mortgage Banking,
100 W. Randolph, 9th Floor
Chicago, Illinois 60601
Tel: (844) 768-1713
Community Reinvestment Notice
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.
Indiana
Indiana-DFI Mortgage Lending License #33703.
Kansas
Kansas Licensed Mortgage Company (#MC.0025568).  Prosperity Home Mortgage, LLC.
Kentucky
Mortgage Company License #MC700930.
Louisiana
Residential Mortgage Lending License #75164.
Maine
Prosperity Home Mortgage, LLC, Supervised Lender License #75164.
Maryland
Maryland Mortgage Lender License #75164.
Massachusetts
Prosperity Home Mortgage, LLC. Mortgage Lender License #MC75164. Mortgage Broker License #MC75164.
Michigan
Michigan 1st Mortgage Broker/Lender/Servicer Registrant #FR0020972. Michigan 2nd Mortgage Broker/Lender/Servicer Registrant #SR0024651.
Minnesota
MN-MO-75164
Mississippi
Licensed by the Mississippi Department of Banking and Consumer Finance. (#75164)
Missouri
20-24Mortgage Company License #75164.39
Montana
Mortgage Lender License, Mortgage Broker License, Mortgage Servicer License (#75164).
Nebraska
751Mortgage Banker License (#75164).64
Nevada
Prosperity Home Mortgage, LLC, 3060 Williams Drive, Suite 300, Fairfax, VA 22031. Nevada Mortgage Company License #5326.
New Hampshire
Licensed by the New Hampshire Banking Department #75164MB.
New Jersey
Prosperity Home Mortgage, LLC, 3060 Williams Drive, Suite 300, Fairfax, VA 22031. (877) 275-1762. Residential Mortgage Lender License (#75164) & RMLA-Licensed Mortgage Servicer Registration (#75164). Licensed by the NJ Department of Banking and Insurance.
New Mexico
Mortgage Loan Company License (#75164).
New York
Prosperity Home Mortgage, LLC, 3060 Williams Drive, Suite 300, Fairfax, VA 22031. Licensed New York Mortgage Banker – NYS Department of Financial Services (#LMBC 110760)
North Carolina
North Carolina Mortgage Lender License (#L-138683).
North Dakota
North Dakota Residential Mortgage Lender #ML104383. North Dakota Money Broker License #MB103458.
Ohio
Prosperity Home Mortgage, LLC (#RM.804424.000)
Oklahoma
Oklahoma Mortgage Lender License #MLO12317.
Oregon
Prosperity Home Mortgage, LLC. Mortgage Lending License (#ML-5816) & Mortgage Servicer License.
Residential mortgage loan servicers are regulated by the Oregon Division of Financial Regulation.  To file a complaint, call 866-814-9710 or visit http://dfr.oregon.gov
Pennsylvania
43Licensed by the Department of Banking – Mortgage Lender License #43115 & Mortgage Servicer License #101826.115
Rhode Island
Rhode Island Licensed Lender (#20193749LL). Rhode Island Licensed Loan Broker (#20224515LB). Rhode Island Licensed Third Party Loan Servicer (#LS20234520LS).
South Carolina
BFI Mortgage Lender / Servicer License #MLS-75164.
South Dakota
MLMortgage Lender License #75164.ML..05239
Tennessee
Tennessee Mortgage License #122071. Tennessee Industrial Loan and Thrift Company Registration #75164.
Texas
Prosperity Home Mortgage, LLC, 3060 Williams Drive, Suite 300, Fairfax, VA 22031
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
Utah
Utah-DRE Mortgage Entity License #11301268.
Vermont
Vermont Lender License #7388. Vermont Loan Servicer License #LS-75164. Vermont Mortgage Broker License #MB-75164.
Virginia
Prosperity Home Mortgage, LLC. NMLS #75164. (www.nmlsconsumeraccess.org).
Washington
CL-7Consumer Loan Company License #CL-75164.5164
West Virginia
West Virginia Mortgage Lender License #ML-32732. West Virginia Mortgage Broker License #MB-33276.
Wisconsin
Wisconsin Mortgage Banker License #75164BA. Wisconsin Mortgage Broker License #75164BR.
Wyoming
Wyoming Consumer Lender License #CL-4743. Wyoming Mortgage Lender/Broker License #3442.

Visit the NMLS Consumer Access page for more information. (www.nmlsconsumeraccess.org)

DISCLOSURES

Statement on Business Practices

Prosperity is an Equal Housing Lender and fully supports the Fair Housing Act and similar statutes. We have zero tolerance for any form of discrimination in our mortgage lending practices and activities. We have a steadfast commitment to fair and responsible lending and to ensuring all applicants have an equal opportunity to apply for and obtain credit. We do not engage in business practices that discriminate on the basis of race, color, sex, sexual orientation, national origin, religion, age, marital or familial status, disability, receipt of public assistance, or an applicant's exercise of his or her rights under the Consumer Credit Protection Act. We encourage and support affirmative advertising and marketing programs in which there are no barriers to obtaining housing as a result of discrimination. The federal agency that Prosperity is an Equal Opportunity Employer.  We prohibit discrimination and harassment of any type based on race, color, religion, age, sex, national origin, disability status, genetic information, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Anti-Fraud Disclosure

Electronic communications such as email, text messages and social media messaging, are neither secure nor confidential. While Prosperity has adopted policies and procedures to aid in avoiding fraud, even the best security protections can still be bypassed by unauthorized parties. Prosperity will never send you any electronic communication with instructions to transfer funds or to provide nonpublic personal information, such as credit card or debit numbers or bank account and/or routing numbers.

YOU SHOULD NEVER TRANSMIT NONPUBLIC PERSONAL INFORMATION, SUCH AS CREDIT OR DEBIT CARD NUMBERS OR BANK ACCOUNT OR ROUTING NUMBERS, BY EMAIL OR OTHER UNSECURED ELECTRONIC COMMUNICATION. EMAILS ATTEMPTING TO INDUCE FRAUDULENT WIRE TRANSFERS ARE COMMON AND MAY APPEAR TO COME FROM A TRUSTED SOURCE.

If you receive any electronic communication directing you to transfer funds or provide nonpublic personal information, EVEN IF THAT ELECTRONIC COMMUNICATION APPEARS TO BE FROM PROSPERITY or its affiliates, do not respond to it and immediately contact your mortgage loan originator. Such requests, even if they may otherwise appear to be legitimate, are likely part of a scheme to defraud you by stealing funds from you or using your identity to commit a crime.  Notify us immediately of suspected fraud related to your transaction by sending an email to fraud.prevention@phmloans.com. For more information, see our Fraud Prevention Warning.