Prosperity Home Mortgage in Minnesota vs the state
3.6%Denial rate-10.00 pts vs state
4.2%Decision denial rate-12.15 pts vs state
81.6%Origination rate+15.18 pts vs state
6.63%Median rate0.00 pts vs state
0.19Rate spread (pts)-0.06 pts vs state
$116kMedian applicant income
1,746Loans originated
77Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,044 | 1,644 | 5.7% | 6.75% | #18 |
| 2024 | 2,006 | 1,654 | 5.0% | 6.75% | #18 |
| 2025 | 2,141 | 1,746 | 3.6% | 6.63% | #20 |
What Prosperity Home Mortgage lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 614 | 499 | 23 | 3.7% |
| Dakota County | 261 | 218 | 7 | 2.7% |
| Ramsey County | 234 | 194 | 8 | 3.4% |
| Anoka County | 145 | 120 | 5 | 3.4% |
| Washington County | 125 | 96 | 6 | 4.8% |
| Scott County | 82 | 65 | 3 | 3.7% |
| Olmsted County | 77 | 69 | 1 | 1.3% |
| Carver County | 75 | 65 | 3 | 4.0% |
| Wright County | 59 | 47 | 3 | 5.1% |
| Sherburne County | 40 | 31 | 3 | 7.5% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 2,141 applications in 2025, of which 1,746 were originated and 77 denied.
3.6% of all applications, or 4.2% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Prosperity Home Mortgage originated in Minnesota 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 Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology