# Prosperity Home Mortgage, LLC

> **Canonical URL:** https://saferate.com/lenders/prosperity-home-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Prosperity Home Mortgage, LLC is a independent mortgage company, headquartered in Glen Allen, VA, serving borrowers nationwide, with 18,786 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493005PKOSG7MYX0B34
- **Headquarters:** Glen Allen, VA
- **Geographic Reach:** National
- **States Served:** 48
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.287%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,384
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 18,786
- **Dollar Volume:** $6.9 billion
- **Applications Received:** 25,518
- **Market Share:** 53.00%

## Typical Borrower Profile

- **Average Loan Amount:** $369,145
- **Average Borrower Income:** $152,187
- **Average Property Value:** $475,645

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Jumbo Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 87/100 | 13,322 | +0.335% | $2,667 | Exceptional 🤩 |
| FHA | 88/100 | 3,298 | +0.406% | $1,436 | Exceptional 🤩 |
| VA | 87/100 | 1,709 | -0.375% | $1,640 | Exceptional 🤩 |
| Jumbo | 87/100 | 387 | +0.307% | $2,154 | Exceptional 🤩 |
| USDA | 82/100 | 70 | +0.337% | $1,748 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 12,686 loans, Score: 88/100 (Exceptional)
- Refinance: 636 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 2,304 loans, Score: 87/100 (Exceptional)
- Refinance: 994 loans, Score: 87/100 (Exceptional)

**VA:**
- Purchase: 1,512 loans, Score: 87/100 (Exceptional)
- Refinance: 197 loans, Score: 84/100 (Exceptional)

**Jumbo:**
- Purchase: 363 loans, Score: 88/100 (Exceptional)
- Refinance: 24 loans, Score: 53/100 (Sound)

**USDA:**
- Purchase: 70 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 89/100 | 16,935 | $6.4B | +0.299% | Exceptional 🤩 |
| Refinance | 76/100 | 1,851 | $580M | +0.120% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 2,373 | 1.96% | 91/100 |
| VA | 1,856 | 1.72% | 90/100 |
| MN | 1,495 | 2.31% | 86/100 |
| MD | 1,264 | 1.79% | 85/100 |
| NC | 1,034 | 0.70% | 77/100 |
| NJ | 1,034 | 1.21% | 85/100 |
| GA | 1,019 | 0.74% | 79/100 |
| WI | 709 | 1.07% | 80/100 |
| CT | 661 | 1.92% | 82/100 |
| AZ | 635 | 0.64% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,334 | 76/100 |
| Minneapolis | MN-WI | 1,250 | 86/100 |
| Philadelphia, PA | PA | 1,125 | 99/100 |
| Montgomery County | PA | 738 | 95/100 |
| Kansas City, MO | MO-KS | 694 | 82/100 |
| Arlington | VA-WV | 662 | 84/100 |
| Atlanta | GA | 580 | 79/100 |
| Baltimore | MD | 506 | 81/100 |
| Richmond, VA | VA | 505 | 87/100 |
| Camden, NJ | NJ | 446 | 84/100 |
| Wilmington, DE |  | 445 | 86/100 |
| Frederick | MD | 435 | 92/100 |
| Tucson, AZ | AZ | 433 | 84/100 |
| Washington, DC | DC-MD | 386 | 85/100 |
| Dallas | TX | 355 | 73/100 |

## Where This Lender Ranks

Prosperity Home Mortgage, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Pennsylvania for FHA Loans
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Pennsylvania for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Minnesota for FHA Loans
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Minnesota for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/minnesota/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Minneapolis for FHA Loans
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Minneapolis for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Philadelphia, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Philadelphia, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Montgomery County for FHA Loans
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Montgomery County for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Kansas City, MO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Connecticut for FHA Loans
  - [View Full Rankings](https://saferate.com/connecticut/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Connecticut for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/connecticut/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Delaware for FHA Loans
  - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Delaware for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/delaware/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Wilmington, DE for VA Loans
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Wilmington, DE for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥇 **#1** in Tucson, AZ for FHA Loans
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Tucson, AZ for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tucson-az/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Allentown for FHA Loans
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Prosperity Home Mortgage, LLC offer?

Prosperity Home Mortgage, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Prosperity Home Mortgage, LLC offer mortgages?

Prosperity Home Mortgage, LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Prosperity Home Mortgage, LLC's mortgage rates?

Prosperity Home Mortgage, LLC has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.287% above market average.

### What type of lender is Prosperity Home Mortgage, LLC?

Prosperity Home Mortgage, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Glen Allen, VA.

### What is Prosperity Home Mortgage, LLC's loan approval success rate?

Prosperity Home Mortgage, LLC has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/prosperity-home-mortgage

### How to Cite

> "Prosperity Home Mortgage, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/prosperity-home-mortgage

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