Prosperity Home Mortgage in Florida vs the state
10.6%Denial rate-10.47 pts vs state
14.7%Decision denial rate-12.53 pts vs state
61.2%Origination rate+8.46 pts vs state
6.63%Median rate0.00 pts vs state
0.16Rate spread (pts)-0.11 pts vs state
$126kMedian applicant income
491Loans originated
85Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,634 | 793 | 22.1% | 6.75% | #98 |
| 2024 | 966 | 556 | 17.7% | 6.63% | #158 |
| 2025 | 803 | 491 | 10.6% | 6.63% | #179 |
What Prosperity Home Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 193 | 123 | 9 | 4.7% |
| St. Johns County | 72 | 51 | 5 | 6.9% |
| Miami-Dade County | 53 | 32 | 8 | 15.1% |
| Palm Beach County | 41 | 20 | 6 | 14.6% |
| Clay County | 35 | 23 | 2 | 5.7% |
| Lee County | 33 | 22 | 7 | 21.2% |
| Broward County | 27 | 13 | 7 | 25.9% |
| Sarasota County | 26 | 14 | 5 | 19.2% |
| Citrus County | 25 | 16 | 1 | 4.0% |
| Orange County | 24 | 13 | 5 | 20.8% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 803 applications in 2025, of which 491 were originated and 85 denied.
10.6% of all applications, or 14.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Prosperity Home Mortgage originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Prosperity Home Mortgage's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology