Prosperity Home Mortgage in Maryland vs the state
6.3%Denial rate-12.52 pts vs state
8.2%Decision denial rate-15.89 pts vs state
69.8%Origination rate+14.07 pts vs state
6.63%Median rate0.00 pts vs state
0.22Rate spread (pts)-0.03 pts vs state
$140kMedian applicant income
1,233Loans originated
111Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,855 | 1,291 | 9.8% | 6.75% | #24 |
| 2024 | 1,813 | 1,291 | 8.7% | 6.63% | #28 |
| 2025 | 1,767 | 1,233 | 6.3% | 6.63% | #31 |
What Prosperity Home Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 485 | 361 | 24 | 4.9% |
| Prince George's County | 226 | 135 | 32 | 14.2% |
| Anne Arundel County | 214 | 150 | 9 | 4.2% |
| Baltimore County | 166 | 111 | 9 | 5.4% |
| Howard County | 157 | 120 | 5 | 3.2% |
| Frederick County | 119 | 68 | 8 | 6.7% |
| Baltimore city | 76 | 50 | 3 | 3.9% |
| Carroll County | 51 | 38 | 0 | 0.0% |
| Harford County | 47 | 37 | 1 | 2.1% |
| Washington County | 40 | 26 | 7 | 17.5% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 1,767 applications in 2025, of which 1,233 were originated and 111 denied.
6.3% of all applications, or 8.2% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Prosperity Home Mortgage originated in Maryland 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology