Prosperity Home Mortgage in Pennsylvania vs the state
5.5%Denial rate-12.75 pts vs state
6.9%Decision denial rate-15.32 pts vs state
74.4%Origination rate+13.44 pts vs state
6.50%Median rate-0.13 pts vs state
0.17Rate spread (pts)-0.07 pts vs state
$117kMedian applicant income
2,325Loans originated
173Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,753 | 2,139 | 5.5% | 6.75% | #33 |
| 2024 | 3,342 | 2,531 | 6.1% | 6.63% | #33 |
| 2025 | 3,125 | 2,325 | 5.5% | 6.50% | #37 |
What Prosperity Home Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 873 | 619 | 61 | 7.0% |
| Montgomery County | 475 | 376 | 16 | 3.4% |
| Delaware County | 466 | 334 | 34 | 7.3% |
| Bucks County | 351 | 275 | 15 | 4.3% |
| Chester County | 295 | 224 | 12 | 4.1% |
| Lehigh County | 204 | 169 | 4 | 2.0% |
| Northampton County | 157 | 125 | 4 | 2.5% |
| Monroe County | 55 | 37 | 5 | 9.1% |
| Berks County | 36 | 26 | 3 | 8.3% |
| Allegheny County | 27 | 19 | 1 | 3.7% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 3,125 applications in 2025, of which 2,325 were originated and 173 denied.
5.5% of all applications, or 6.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Prosperity Home Mortgage originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Prosperity Home Mortgage's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology