Lenders › Prosperity Home Mortgage, LLC › Virginia
Prosperity Home Mortgage, LLC in Virginia
HMDA record for properties in Virginia, calendar year 2024. National record · Virginia 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 Virginia, Prosperity Home Mortgage, LLC reported 2,529 applications and 1,980 originations for 2024, $808m in all.
Its denial rate in the state was 5.9%, below the Virginia rate of 22.1% across all lenders and compared with the lender's national rate of 9.8%.
The median rate spread on its Virginia originations was 0.2 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 Virginia | Virginia, all lenders | Prosperity Home Mortgage, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 5.9% | 22.1% | 9.8% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.6% | 16.5% | 2.0% | 15.6% |
| Average originated loan | $408k | $352k | $354k | $329k |
| Home purchase share | 88.0% | 55.8% | 88.9% | 57.0% |
| FHA-insured share | 14.8% | 11.7% | 17.1% | 13.4% |
| VA-guaranteed share | 19.2% | 16.4% | 9.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateVirginia, all lenders
Loan purpose and loan type in Virginia
By purpose
Home purchase 88% (1,743)Home improvement 0% (2)Refinancing 5% (96)Cash-out refinancing 7% (131)Other purpose 0% (8)
By type
Conventional 65% (1,294)FHA 15% (294)VA 19% (380)USDA 1% (12)
Denial reasons as coded
Share of 125 denials in Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fairfax County | 300 | 249 | $150m | 3.5% |
| Chesterfield County | 201 | 160 | $59m | 3.6% |
| Henrico County | 150 | 125 | $48m | 6.0% |
| Loudoun County | 143 | 111 | $66m | 3.4% |
| Richmond city | 108 | 89 | $38m | 4.3% |
| Virginia Beach city | 105 | 89 | $28m | 4.3% |
| Prince William County | 106 | 82 | $43m | 3.5% |
| James City County | 71 | 56 | $21m | 3.4% |
| Montgomery County | 67 | 50 | $16m | 5.7% |
| Hanover County | 53 | 41 | $17m | 6.8% |
| Spotsylvania County | 51 | 40 | $17m | 11.1% |
| Arlington County | 44 | 40 | $23m | 0.0% |
| Newport News city | 54 | 38 | $9.6m | 11.6% |
| Stafford County | 44 | 36 | $16m | 10.0% |
| Chesapeake city | 42 | 33 | $11m | 8.3% |
| Alexandria city | 42 | 32 | $15m | 2.9% |
| Norfolk city | 40 | 31 | $9.1m | 11.4% |
| Albemarle County | 39 | 30 | $13m | 3.2% |
| Fauquier County | 39 | 29 | $15m | 0.0% |
| Fluvanna County | 28 | 19 | $5.3m | — |
| York County | 26 | 18 | $6.1m | — |
| Goochland County | 25 | 17 | $10.0m | — |
| Portsmouth city | 30 | 15 | $3.3m | — |
| Hampton city | 28 | 14 | $4.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Prosperity Home Mortgage, LLC originate in Virginia in 2024?
1,980 loans totalling $808m, from 2,529 applications reported for properties in Virginia.
What is Prosperity Home Mortgage, LLC's denial rate in Virginia?
5.9% of decided applications in Virginia were denied, against 22.1% 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 Virginia counties does Prosperity Home Mortgage, LLC lend in most?
By originations: Fairfax County (249), Chesterfield County (160), Henrico County (125), Loudoun County (111), Richmond city (89).
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 Virginia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.