About Prosper Mortgage Processing

Prosper Mortgage Processing is a dedicated third-party mortgage processing company serving loan officers across the United States. We partner with independent loan officers, mortgage brokers, and small to mid-size mortgage companies who want to close more loans without the burden of managing in-house processing staff.

Our mission is simple: handle the behind-the-scenes complexity of mortgage processing so that loan officers can focus on what they do best — building relationships and originating loans. From file setup and document collection to underwriting conditions and clear-to-close, we manage every step of the processing pipeline with precision and speed.

We process all major loan types — Conventional, FHA, VA, USDA, and Jumbo — which means you never have to turn away a file because it's too complex. Our team is experienced with the nuances of government-backed loans, high-balance products, and non-standard borrower situations that require extra attention to detail.

What sets Prosper apart is our structure. We are a family-owned business — a father and son team — which means when you call us, you speak directly with a decision-maker who knows your file. There are no call centers, no ticket queues, and no hand-offs to junior staff. You get experienced processors who treat your files with the same care and urgency you would.

Our fee is $995 per file, paid by the borrower at closing. This means our service costs your commission nothing. For loan officers looking to scale their business, reduce overhead, and improve their borrower experience, Prosper Mortgage Processing is the partner you have been looking for.

Based in the United States and available to loan officers nationwide, we are committed to fast turnarounds, clear communication, and getting your deals to the closing table on time.