Lender in Virginia · HMDA 2025
Prosperity Home Mortgage, LLC mortgages in Virginia
Prosperity Home Mortgage, LLC's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Prosperity Home Mortgage, LLC originated 1,950 owner-occupied single-family loans in Virginia from 2,043 completed applications, making it the state's #17 lender by volume.
Its median conventional purchase loan costs were $5,480 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.75% (Virginia: 6.625%).
Loans in VA
1,950
of 2,043 applications
Denial rate
2.1%
Purchase · VA 6.9%
Rate spread
+0.23 pts
Conv. · VA +0.10 pts
Loan amount
$405,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,676 | 1,634 | 2.1% | 6.750% | +0.23 pts | $5,480 | $405,000 |
| Refinance | 217 | 197 | 8.8% | 6.500% | +0.02 pts | $4,060 | $405,000 |
| Cash-out refinance | 150 | 119 | 20.0% | 6.625% | +0.23 pts | $7,990 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Prosperity Home Mortgage, LLC ranks in the top 25
Showing the 30 counties where it ranks highest, of 79.
| County | Rank | Loans | Market share |
|---|---|---|---|
| James City County | 1 | 98 | 7.2% |
| Williamsburg city | 3 | 7 | 6.3% |
| Montgomery County | 4 | 50 | 5.7% |
| Accomack County | 5 | 11 | 3.6% |
| Greensville County | 5 | 2 | 3.1% |
| Westmoreland County | 6 | 17 | 3.8% |
| Northampton County | 6 | 4 | 2.8% |
| Fluvanna County | 7 | 18 | 3.5% |
| Radford city | 7 | 6 | 3.8% |
| Falls Church city | 7 | 5 | 2.7% |
| Waynesboro city | 8 | 11 | 2.5% |
| Clarke County | 8 | 5 | 2.6% |
| Buckingham County | 8 | 4 | 2.4% |
| Henrico County | 9 | 125 | 2.5% |
| Richmond city | 9 | 79 | 3.2% |
| Hanover County | 9 | 50 | 2.7% |
| Louisa County | 9 | 22 | 2.5% |
| Covington city | 9 | 1 | 1.3% |
| Powhatan County | 10 | 13 | 2.3% |
| Charlottesville city | 10 | 10 | 3.4% |
| Halifax County | 10 | 5 | 1.8% |
| Madison County | 10 | 4 | 2.1% |
| Chesterfield County | 11 | 152 | 2.2% |
| Alexandria city | 11 | 46 | 2.3% |
| York County | 11 | 32 | 2.9% |
| Albemarle County | 11 | 28 | 1.9% |
| King William County | 11 | 13 | 2.9% |
| Greene County | 11 | 10 | 2.7% |
| Fredericksburg city | 11 | 8 | 2.6% |
| Giles County | 11 | 5 | 2.7% |
- Prosperity Home Mortgage, LLC nationwide
- Virginia mortgage market
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- Prosperity Home Mortgage, LLC in Minnesota
- Prosperity Home Mortgage, LLC in North Carolina
- Prosperity Home Mortgage, LLC in Maryland
- Prosperity Home Mortgage, LLC in Georgia
- Prosperity Home Mortgage, LLC in New Jersey
- Prosperity Home Mortgage, LLC in Connecticut
- Prosperity Home Mortgage, LLC in Wisconsin
- Prosperity Home Mortgage, LLC in Arizona
- Prosperity Home Mortgage, LLC in Missouri
- Prosperity Home Mortgage, LLC in Illinois
- Prosperity Home Mortgage, LLC in California
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology