Prosperity Home Mortgage in Virginia vs the state
3.6%Denial rate-12.30 pts vs state
4.4%Decision denial rate-15.81 pts vs state
77.9%Origination rate+18.42 pts vs state
6.50%Median rate-0.13 pts vs state
0.13Rate spread (pts)-0.09 pts vs state
$135kMedian applicant income
2,141Loans originated
100Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,596 | 2,020 | 6.5% | 6.63% | #25 |
| 2024 | 2,529 | 1,980 | 4.9% | 6.63% | #30 |
| 2025 | 2,747 | 2,141 | 3.6% | 6.50% | #31 |
What Prosperity Home Mortgage lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 368 | 303 | 7 | 1.9% |
| Chesterfield County | 199 | 160 | 12 | 6.0% |
| Henrico County | 171 | 137 | 6 | 3.5% |
| Prince William County | 151 | 107 | 5 | 3.3% |
| James City County | 135 | 105 | 2 | 1.5% |
| Loudoun County | 130 | 104 | 4 | 3.1% |
| Richmond city | 107 | 84 | 2 | 1.9% |
| Virginia Beach city | 96 | 70 | 6 | 6.3% |
| Montgomery County | 80 | 57 | 3 | 3.8% |
| Alexandria city | 62 | 53 | 2 | 3.2% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 2,747 applications in 2025, of which 2,141 were originated and 100 denied.
3.6% of all applications, or 4.4% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Prosperity Home Mortgage originated in Virginia 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 Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology