Lenders › Prosperity Home Mortgage, LLC › Maryland
Prosperity Home Mortgage, LLC in Maryland
HMDA record for properties in Maryland, calendar year 2024. National record · Maryland overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Maryland, Prosperity Home Mortgage, LLC reported 1,813 applications and 1,291 originations for 2024, $561m in all.
Its denial rate in the state was 10.9%, below the Maryland rate of 24.9% across all lenders and compared with the lender's national rate of 9.8%.
The median rate spread on its Maryland originations was 0.3 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Maryland | Maryland, all lenders | Prosperity Home Mortgage, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.9% | 24.9% | 9.8% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.9% | 17.7% | 2.0% | 15.6% |
| Average originated loan | $435k | $348k | $354k | $329k |
| Home purchase share | 91.6% | 56.2% | 88.9% | 57.0% |
| FHA-insured share | 14.6% | 14.6% | 17.1% | 13.4% |
| VA-guaranteed share | 11.5% | 10.0% | 9.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaryland, all lenders
Loan purpose and loan type in Maryland
By purpose
Home purchase 92% (1,182)Home improvement 0% (1)Refinancing 4% (48)Cash-out refinancing 4% (54)Other purpose 0% (6)
By type
Conventional 73% (948)FHA 15% (188)VA 12% (149)USDA 0% (6)
Denial reasons as coded
Share of 158 denials in Maryland by first denial reason coded (outlined bar: all lenders in the state).
Counties in Maryland
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Montgomery County | 474 | 375 | $202m | 4.3% |
| Prince George's County | 254 | 158 | $64m | 23.6% |
| Anne Arundel County | 186 | 140 | $61m | 7.2% |
| Baltimore County | 186 | 127 | $49m | 12.4% |
| Howard County | 118 | 92 | $44m | 7.1% |
| Frederick County | 97 | 64 | $26m | 7.2% |
| Baltimore city | 93 | 58 | $16m | 23.4% |
| Harford County | 68 | 48 | $17m | 11.1% |
| Carroll County | 47 | 31 | $12m | 8.8% |
| Wicomico County | 48 | 30 | $7.8m | 3.2% |
| Worcester County | 37 | 25 | $8.9m | 13.8% |
| Charles County | 36 | 23 | $11m | 20.7% |
| Queen Anne's County | 28 | 22 | $10m | — |
| Washington County | 30 | 21 | $6.4m | 22.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Prosperity Home Mortgage, LLC originate in Maryland in 2024?
1,291 loans totalling $561m, from 1,813 applications reported for properties in Maryland.
What is Prosperity Home Mortgage, LLC's denial rate in Maryland?
10.9% of decided applications in Maryland were denied, against 24.9% for all lenders in the state and 9.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Maryland counties does Prosperity Home Mortgage, LLC lend in most?
By originations: Montgomery County (375), Prince George's County (158), Anne Arundel County (140), Baltimore County (127), Howard County (92).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Maryland. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.