Prosperity Home Mortgage, LLC mortgage approval rate & lending review
Prosperity Home Mortgage, LLC decided 55,284 mortgage applications and funded 50,214 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Prosperity Home Mortgage, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Prosperity Home Mortgage, LLC at a glance
Approval is 5.9 points above the 85.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 43,099 / 45,344 | 100% | $325K | 42,902 |
| Home improvement loans | 63% | 46 / 73 | 98% | $145K | 45 |
| Cash-out refinance | 60% | 2,496 / 4,189 | 98% | $265K | 2,454 |
| Refinance | 82% | 2,414 / 2,926 | 99% | $355K | 2,378 |
| Investment property purchase | 93% | 2,239 / 2,397 | 99% | $245K | 2,220 |
| Investment cash-out refinance | 52% | 105 / 201 | 98% | $215K | 103 |
| Investment refinance | 73% | 93 / 128 | 98% | $315K | 91 |
| Investment home improvement | 81% | 21 / 26 | 100% | $155K | 21 |
Prosperity Home Mortgage, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 94% | $285K | 7,321 | 6,814 |
| Minnesota | 95% | $315K | 4,236 | 4,013 |
| Virginia | 95% | $395K | 4,026 | 3,826 |
| Maryland | 91% | $415K | 3,632 | 3,286 |
| North Carolina | 93% | $345K | 3,200 | 2,937 |
| Georgia | 89% | $375K | 3,168 | 2,804 |
| New Jersey | 92% | $325K | 3,020 | 2,772 |
| Arizona | 92% | $315K | 2,375 | 2,158 |
| Florida | 80% | $305K | 2,114 | 1,675 |
| California | 85% | $725K | 1,989 | 1,681 |
| Texas | 93% | $365K | 1,932 | 1,780 |
| Missouri | 93% | $245K | 1,702 | 1,569 |
| Connecticut | 92% | $295K | 1,673 | 1,530 |
| Illinois | 91% | $315K | 1,478 | 1,336 |
| Wisconsin | 92% | $275K | 1,475 | 1,359 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Prosperity Home Mortgage, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Philadelphia County, PA | Mortgage lenders | 93% | 1,866 | 1,725 |
| Hennepin County, MN | Mortgage lenders | 97% | 1,343 | 1,303 |
| Pima County, AZ | Mortgage lenders | 96% | 1,287 | 1,233 |
| Delaware County, PA | Mortgage lenders | 95% | 1,019 | 970 |
| Montgomery County, MD | Mortgage lenders | 97% | 997 | 961 |
| Montgomery County, PA | Mortgage lenders | 97% | 897 | 866 |
| New Castle County, DE | Mortgage lenders | 95% | 884 | 833 |
| Jackson County, MO | Mortgage lenders | 96% | 794 | 757 |
| Wake County, NC | Mortgage lenders | 99% | 773 | 757 |
| Fairfax County, VA | Mortgage lenders | 98% | 726 | 711 |
| Bucks County, PA | Mortgage lenders | 96% | 699 | 670 |
| Chester County, PA | Mortgage lenders | 98% | 638 | 621 |
The county markets where Prosperity Home Mortgage, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Prosperity Home Mortgage, LLC
What is Prosperity Home Mortgage, LLC's mortgage approval rate?
Prosperity Home Mortgage, LLC approved 91.4% of the 55,284 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.9 points above the 85.4% national rate for the same mix of loan types.
How often do borrowers take the loan Prosperity Home Mortgage, LLC offers?
Borrowers accepted 99% of the loans Prosperity Home Mortgage, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Prosperity Home Mortgage, LLC make?
The typical home purchase mortgage loan Prosperity Home Mortgage, LLC made was $325K; across all loan types its typical loan ran from $145K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Prosperity Home Mortgage, LLC lend?
Prosperity Home Mortgage, LLC decided applications in 48 of the states Fat Boy Data covers, most of them in Pennsylvania, Minnesota and Virginia.
Can I apply to Prosperity Home Mortgage, LLC directly?
Yes. Prosperity Home Mortgage, LLC reports as a direct lender that takes applications from borrowers.
Does this page show Prosperity Home Mortgage, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Prosperity Home Mortgage, LLC treats applications, then get a rate quote from the lender.