Case Study: Prosperity Home Mortgage, LLC achieves 40% loan volume growth while reducing staff with ICE Mortgage Technology (Encompass)

Prosperity Home Mortgage Increased Volume by 40% with Less Staff by Making the Most of Encompass

Prosperity Home Mortgage, a $3B annual-volume lender based in Chantilly, VA, faced a fast timeline after exiting a 20‑year joint venture: build and launch a wholly owned loan origination system in under a year that was scalable, configurable, and compliant with new TRID rules. Leaders needed a hosted, all‑in‑one LOS they could ramp up quickly and customize to capture required data and streamline operations.

They implemented Ellie Mae’s Encompass as their single system of record and used the Encompass SDK to build custom validation plug‑ins and integrations that surface data issues and enforce pre‑service checks. The result was a dramatic efficiency gain—a 40% volume increase year‑over‑year in 2015 with fewer staff, near‑100% TRID disclosure compliance, improved productivity, and recognition with the 2016 Ellie Mae Hall of Fame Award for Outstanding Efficiency and ROI.

Prosperity Home Mortgage, LLC

Becky Helvey

Senior Vice President of Administration