What loan types does Prosperity Home Mortgage offer?

Prosperity Home Mortgage offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Prosperity Home Mortgage offer mortgages?

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

How competitive are Prosperity Home Mortgage's mortgage rates?

Prosperity Home Mortgage has an overall pricing score of 37.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Prosperity Home Mortgage?

Prosperity Home Mortgage is a Independent Mortgage Company headquartered in Glen Allen, VA.

Unclaimed

Prosperity Home Mortgage

Independent Mortgage Company•Glen Allen, VAHQ•Direct•Reviews near you on Google

Prosperity Home Mortgage's 18.8k closed loans and 26k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

USDA

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
High volume lender with significant market experience
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Prosperity Home Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+28.7 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	13,322	70.9%	+0.335%Above	$2,667Fees
FHA Loans	Strong	Exceptional	Strong	Strong	3,298	17.6%	+0.406%Above	$1,436Fees
VA Loans	Strong	Exceptional	Strong	Strong	1,709	9.1%	-0.375%Below	$1,640Fees
Jumbo Loans	Strong	Exceptional	Acceptable	Strong	387	2.1%	+0.307%Above	$2,154Fees
USDA Loans	Strong	Exceptional	Strong	Strong	70	0.4%	+0.337%Above	$1,748Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume13,322

Mix70.9%

Spread

+0.335%Above

Fees

$2,667Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume3,298

Mix17.6%

Spread

+0.406%Above

Fees

$1,436Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume1,709

Mix9.1%

Spread

-0.375%Below

Fees

$1,640Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume387

Mix2.1%

Spread

+0.307%Above

Fees

$2,154Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume70

Mix0.4%

Spread

+0.337%Above

Fees

$1,748Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	16,935	90.1%	+0.299%Above	$2,327Fees
Refinance	Sound	Strong	Sound	Sound	1,851	9.9%	+0.120%Above	$3,204Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume16,935

Mix90.1%

Spread

+0.299%Above

Fees

$2,327Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume1,851

Mix9.9%

Spread

+0.120%Above

Fees

$3,204Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

18,786

Applications

25,518

Volume

$6 billion

Pricing & Closing

Avg Rate Spread

+0.287%

vs. market APOR

Avg Net Fees

$2,384

Origination − Credits

Pullthrough Rate

73.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$369,145

Avg Borrower Income

$152,187

Avg Property Value

$475,645

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest11

ILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West11

AKAZCACOIDMTNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© 颐园居 · CC BY-SA 4.0

Philadelphia, PAMetro

Volume 1,125Mix 5.99% of portfolio

99/100

Exceptional

2© Dough4872 · Public domain

Montgomery County, PAMetro

Volume 738Mix 3.93% of portfolio

95/100

Exceptional

3© Preservation Maryland · CC BY-SA 2.0

Frederick, MDMetro

Volume 435Mix 2.32% of portfolio

92/100

Exceptional

Allentown, PA-NJMetro

Volume 299Mix 1.59% of portfolio

88/100

Exceptional

Birmingham, ALMetro

Volume 345Mix 1.84% of portfolio

87/100

Exceptional

Richmond, VAMetro

Volume 505Mix 2.69% of portfolio

87/100

Exceptional

Wilmington, DEMetro

Volume 445Mix 2.37% of portfolio

86/100

Exceptional

Minneapolis, MN-WIMetro

Volume 1,250Mix 6.65% of portfolio

86/100

Exceptional

Washington, DC, DC-MDMetro

Volume 386Mix 2.05% of portfolio

85/100

Exceptional

Camden, NJMetro

Volume 446Mix 2.37% of portfolio

84/100

Exceptional

Showing 10 of 49 metro areas

Top States by Place Specialization Score

PennsylvaniaState

Volume 2,373Mix 12.63% of portfolio

91/100

Exceptional

VirginiaState

Volume 1,856Mix 9.88% of portfolio

90/100

Exceptional

MinnesotaState

Volume 1,495Mix 7.96% of portfolio

86/100

Exceptional

MarylandState

Volume 1,264Mix 6.73% of portfolio

85/100

Exceptional

New JerseyState

Volume 1,034Mix 5.50% of portfolio

85/100

Exceptional

DelawareState

Volume 498Mix 2.65% of portfolio

85/100

Exceptional

Washington, DCState

Volume 211Mix 1.12% of portfolio

82/100

Exceptional

ConnecticutState

Volume 661Mix 3.52% of portfolio

82/100

Exceptional

WisconsinState

Volume 709Mix 3.77% of portfolio

80/100

Strong

GeorgiaState

Volume 1,019Mix 5.42% of portfolio

79/100

Strong

Showing 10 of 38 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.