Prosperity Home Mortgage Rates, Fees & Info
Richmond, VALEI: 5493005PKOSG7MYX0B34
Tax ID: 20-5216358
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Mortgage Data
Review & Overview
Prosperity Home Mortgage is a mid-sized mortgage company specializing in Home Purchase loans. Prosperity Home Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, Atlanta, Minneapolis, Baltimore, and Richmond among others. We have data for 276 markets. (Some data included below & more in-depth data is available with an active subscription.)Prosperity Home Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Prosperity Home Mortgage is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.57% | 11/17/24 |
| 30 Year Conventional Refi | 6.46% | 11/17/24 |
| 30 Year Cash-out Refi | 6.76% | 11/17/24 |
| 30 Year FHA Purchase | 7.63% | 11/17/24 |
| 30 Year FHA Refi | 7.48% | 11/17/24 |
| 30 Year VA Purchase | 6.14% | 11/17/24 |
| 30 Year VA Refi | 6.10% | 11/17/24 |
| 30 Year USDA Purchase | 6.83% | 11/17/24 |
| 15 Year Conventional Purchase | 6.03% | 11/17/24 |
| 15 Year Conventional Refi | 6.06% | 11/17/24 |
| 15 Year Cash-out Refi | 6.06% | 11/17/24 |
| 15 Year FHA Purchase | 7.51% | 11/17/24 |
| 15 Year VA Purchase | 6.45% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Prosperity Home Mortgage Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
21,430Origination Dollar Volume (All Markets)
$6,153,710,000Awards
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Prosperity Home Mortgage - 2019
Prosperity Home Mortgage is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3,285 | $1,460,835,000 | $444,699 | $6,356 | 4.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1,824 | $543,920,000 | $298,202 | $4,809 | 4.15% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2,113 | $541,875,000 | $256,448 | $4,222 | 3.84% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1,164 | $366,500,000 | $314,863 | $6,119 | 4.18% |
| RICHMOND, VA (FHA|USDA|VA) | 1,191 | $314,495,000 | $264,060 | $4,783 | 4.16% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1,156 | $312,980,000 | $270,744 | $5,579 | 4.14% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 955 | $273,055,000 | $285,921 | $4,082 | 4.08% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1,159 | $245,525,000 | $211,842 | $2,963 | 3.77% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 492 | $161,430,000 | $328,110 | $6,589 | 4.06% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 594 | $149,110,000 | $251,027 | $5,067 | 4.04% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 385 | $119,515,000 | $310,429 | $5,672 | 3.72% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 535 | $108,715,000 | $203,206 | $3,536 | 4.11% |
| Outside of Metro Areas | 467 | $91,715,000 | $196,392 | $4,029 | 4.06% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 360 | $91,180,000 | $253,278 | $4,021 | 4.10% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 338 | $81,460,000 | $241,006 | $2,470 | 3.97% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 254 | $76,840,000 | $302,520 | $4,896 | 3.76% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 319 | $75,975,000 | $238,166 | $4,102 | 4.16% |
| MADISON, WI (FHA|USDA|VA) | 197 | $49,255,000 | $250,025 | $3,147 | 3.93% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 178 | $48,950,000 | $275,000 | $4,310 | 4.16% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 106 | $48,590,000 | $458,396 | $5,144 | 4.09% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 128 | $47,810,000 | $373,516 | $6,247 | 4.22% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 195 | $47,575,000 | $243,974 | $4,938 | 4.22% |
| LOUISVILLE, KY (FHA|USDA|VA) | 248 | $46,310,000 | $186,734 | $3,166 | 3.96% |
| TUCSON, AZ (FHA|USDA|VA) | 179 | $42,155,000 | $235,503 | $4,675 | 3.76% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 186 | $37,700,000 | $202,688 | $3,922 | 4.15% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 171 | $37,025,000 | $216,520 | $4,316 | 4.05% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 140 | $32,290,000 | $230,643 | $5,321 | 4.25% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 161 | $31,095,000 | $193,137 | $3,465 | 4.17% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 55 | $27,775,000 | $505,000 | $4,446 | 3.71% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 85 | $23,945,000 | $281,706 | $4,991 | 4.19% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 126 | $23,570,000 | $187,063 | $4,160 | 4.26% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 129 | $22,975,000 | $178,101 | $3,485 | 3.86% |
| ROCHESTER, MN (FHA|USDA|VA) | 98 | $22,020,000 | $224,694 | $4,116 | 3.87% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 36 | $21,960,000 | $610,000 | $5,444 | 3.83% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 35 | $20,995,000 | $599,857 | $5,503 | 3.74% |
| ROANOKE, VA (FHA|USDA|VA) | 122 | $20,360,000 | $166,885 | $3,948 | 4.21% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 81 | $17,825,000 | $220,062 | $6,027 | 4.06% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 71 | $16,625,000 | $234,155 | $4,692 | 4.29% |
| PITTSBURGH, PA (FHA|USDA|VA) | 81 | $15,015,000 | $185,370 | $4,826 | 4.51% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 66 | $14,680,000 | $222,424 | $4,428 | 3.67% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 58 | $14,130,000 | $243,621 | $5,089 | 4.02% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 52 | $14,120,000 | $271,538 | $6,263 | 4.12% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 70 | $13,990,000 | $199,857 | $4,743 | 4.31% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 30 | $13,690,000 | $456,333 | $6,630 | 3.71% |
| LYNCHBURG, VA (FHA|USDA|VA) | 72 | $13,200,000 | $183,333 | $3,708 | 4.13% |
| GAINESVILLE, GA (FHA|USDA|VA) | 54 | $13,110,000 | $242,778 | $4,880 | 4.25% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 18 | $12,280,000 | $682,222 | $6,756 | 3.97% |
| STAUNTON, VA (FHA|USDA|VA) | 66 | $11,930,000 | $180,758 | $4,284 | 4.15% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 66 | $11,870,000 | $179,848 | $3,335 | 3.82% |
| LINCOLN, NE (FHA|USDA|VA) | 69 | $11,225,000 | $162,681 | $2,777 | 3.61% |
| Brainerd, MN (FHA|USDA|VA) | 50 | $10,970,000 | $219,400 | $3,924 | 3.91% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 61 | $10,395,000 | $170,410 | $3,085 | 4.02% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 25 | $8,015,000 | $320,600 | $4,777 | 3.79% |
| ST. CLOUD, MN (FHA|USDA|VA) | 45 | $7,945,000 | $176,556 | $3,911 | 3.83% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 12 | $7,810,000 | $650,833 | $4,381 | 3.80% |
| Baraboo, WI (FHA|USDA|VA) | 41 | $7,365,000 | $179,634 | $3,354 | 3.98% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 32 | $7,310,000 | $228,438 | $6,105 | 4.24% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 51 | $7,185,000 | $140,882 | $2,882 | 4.21% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 41 | $7,035,000 | $171,585 | $3,688 | 4.09% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 17 | $6,445,000 | $379,118 | $5,820 | 3.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 21 | $6,345,000 | $302,143 | $4,081 | 4.33% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 9 | $6,065,000 | $673,889 | $5,109 | 3.86% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 28 | $5,720,000 | $204,286 | $5,764 | 4.31% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 27 | $5,415,000 | $200,556 | $4,821 | 4.31% |
| BURLINGTON, NC (FHA|USDA|VA) | 29 | $5,345,000 | $184,310 | $4,483 | 4.10% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 37 | $5,045,000 | $136,351 | $3,217 | 3.70% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 26 | $4,840,000 | $186,154 | $4,414 | 4.05% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 17 | $4,595,000 | $270,294 | $5,683 | 4.28% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 30 | $4,440,000 | $148,000 | $4,146 | 3.93% |
| SALEM, OR (FHA|USDA|VA) | 16 | $4,250,000 | $265,625 | $4,996 | 3.77% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 15 | $4,115,000 | $274,333 | $4,481 | 3.65% |
| READING, PA (FHA|USDA|VA) | 18 | $4,040,000 | $224,444 | $5,961 | 3.92% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 13 | $3,955,000 | $304,231 | $4,559 | 4.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 13 | $3,675,000 | $282,692 | $3,647 | 4.22% |
| Red Wing, MN (FHA|USDA|VA) | 21 | $3,545,000 | $168,810 | $3,474 | 3.84% |
| Jefferson, GA (FHA|USDA|VA) | 14 | $3,260,000 | $232,857 | $5,736 | 4.04% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 11 | $2,985,000 | $271,364 | $4,266 | 4.06% |
| Easton, MD (FHA|USDA|VA) | 6 | $2,830,000 | $471,667 | $7,916 | 3.85% |
| DOVER, DE (FHA|USDA|VA) | 14 | $2,790,000 | $199,286 | $5,228 | 4.54% |
| SUMTER, SC (FHA|USDA|VA) | 16 | $2,590,000 | $161,875 | $4,077 | 4.23% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 6 | $2,560,000 | $426,667 | $5,088 | 3.60% |
| Athens, TX (FHA|USDA|VA) | 10 | $2,440,000 | $244,000 | $5,610 | 3.80% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 11 | $2,365,000 | $215,000 | $4,418 | 4.00% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 11 | $2,295,000 | $208,636 | $2,830 | 3.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 13 | $2,265,000 | $174,231 | $2,856 | 3.68% |
| Stevens Point, WI (FHA|USDA|VA) | 14 | $2,250,000 | $160,714 | $3,725 | 4.08% |
| LAWRENCE, KS (FHA|USDA|VA) | 8 | $2,050,000 | $256,250 | $3,360 | 3.84% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 11 | $2,045,000 | $185,909 | $3,519 | 4.63% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 13 | $2,005,000 | $154,231 | $5,303 | 3.84% |
| FOND DU LAC, WI (FHA|USDA|VA) | 14 | $1,990,000 | $142,143 | $2,916 | 4.08% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 12 | $1,980,000 | $165,000 | $4,965 | 3.67% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $1,970,000 | $328,333 | $6,612 | 3.56% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 10 | $1,830,000 | $183,000 | $5,042 | 3.69% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 14 | $1,810,000 | $129,286 | $2,576 | 3.99% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 11 | $1,795,000 | $163,182 | $3,710 | 4.10% |
| Beaver Dam, WI (FHA|USDA|VA) | 11 | $1,765,000 | $160,455 | $2,020 | 4.02% |
| RACINE, WI (FHA|USDA|VA) | 9 | $1,755,000 | $195,000 | $2,147 | 3.85% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 8 | $1,740,000 | $217,500 | $4,396 | 3.63% |
| Jasper, AL (FHA|USDA|VA) | 13 | $1,695,000 | $130,385 | $3,280 | 4.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,690,000 | $845,000 | $8,737 | 3.81% |
| Sanford, NC (FHA|USDA|VA) | 8 | $1,640,000 | $205,000 | $4,548 | 4.34% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $4,619 | 3.81% |
| FLINT, MI (FHA|USDA|VA) | 9 | $1,585,000 | $176,111 | $5,403 | 4.32% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 6 | $1,560,000 | $260,000 | $3,113 | 4.21% |
| LANCASTER, PA (FHA|USDA|VA) | 5 | $1,545,000 | $309,000 | $5,863 | 4.25% |
| DULUTH, MN-WI (FHA|USDA|VA) | 7 | $1,505,000 | $215,000 | $3,644 | 3.80% |
| West Plains, MO (FHA|USDA|VA) | 9 | $1,395,000 | $155,000 | $3,970 | 4.07% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $4,003 | 4.50% |
| FRESNO, CA (FHA|USDA|VA) | 6 | $1,380,000 | $230,000 | $4,639 | 4.13% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 7 | $1,345,000 | $192,143 | $2,182 | 3.82% |
| OCALA, FL (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $3,405 | 4.00% |
| Warrensburg, MO (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $2,117 | 3.78% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $3,251 | 4.30% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $3,078 | 3.79% |
| Cornelia, GA (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $4,395 | 4.28% |
| Cullman, AL (FHA|USDA|VA) | 7 | $1,175,000 | $167,857 | $5,616 | 3.95% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $3,803 | 4.50% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 6 | $1,160,000 | $193,333 | $4,395 | 3.83% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $3,663 | 4.10% |
| Whitewater, WI (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $2,947 | 3.78% |
| Owatonna, MN (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $5,239 | 4.08% |
| Austin, MN (FHA|USDA|VA) | 9 | $1,065,000 | $118,333 | $3,379 | 3.53% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $4,260 | 4.72% |
| Cambridge, MD (FHA|USDA|VA) | 6 | $1,050,000 | $175,000 | $5,017 | 4.23% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $3,251 | 3.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $5,451 | 3.58% |
| Calhoun, GA (FHA|USDA|VA) | 8 | $1,000,000 | $125,000 | $4,415 | 4.53% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $3,126 | 3.59% |
| Bardstown, KY (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $5,317 | 3.75% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $3,295 | 3.81% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $3,244 | 4.35% |
| Danville, VA (FHA|USDA|VA) | 8 | $840,000 | $105,000 | $3,182 | 4.56% |
| Branson, MO (FHA|USDA|VA) | 8 | $840,000 | $105,000 | $2,575 | 3.57% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,439 | 4.17% |
| GETTYSBURG, PA (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $4,369 | 4.80% |
| Rockingham, NC (FHA|USDA|VA) | 7 | $775,000 | $110,714 | $4,091 | 4.43% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,780 | 4.31% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $6,734 | 4.19% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,622 | 3.63% |
| Fergus Falls, MN (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,556 | 3.88% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 7 | $735,000 | $105,000 | $3,149 | 3.73% |
| GREENVILLE, NC (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $3,152 | 4.30% |
| CLEVELAND, TN (FHA|USDA|VA) | 5 | $725,000 | $145,000 | $3,227 | 4.25% |
| Willmar, MN (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $2,954 | 4.38% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $9,649 | 3.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $9,527 | 3.69% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $6,849 | 3.06% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $4,011 | 3.75% |
| Hutchinson, MN (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $5,852 | 3.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $4,803 | 4.00% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 7 | $645,000 | $92,143 | $3,536 | 4.59% |
| Palatka, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $3,186 | 3.79% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $4,128 | 3.96% |
| ROME, GA (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,644 | 4.17% |
| MANKATO, MN (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,439 | 3.83% |
| Orangeburg, SC (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $3,555 | 4.13% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,291 | 4.17% |
| Edwards, CO (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $2,995 | 3.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,519 | 5.19% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $5,579 | 4.63% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,426 | 4.00% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,002 | 3.88% |
| Beatrice, NE (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $2,408 | 3.58% |
| JOPLIN, MO (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $2,968 | 3.94% |
| Key West, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,271 | 4.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $4,507 | 4.33% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $3,605 | 3.75% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,124 | 3.63% |
| Torrington, CT (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,144 | 3.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,884 | 3.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,225 | 3.25% |
| Winona, MN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,441 | 4.00% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $3,408 | 4.47% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,993 | 4.08% |
| NILES, MI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,242 | 3.50% |
| Newport, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,716 | 3.38% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $3,316 | 3.71% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,096 | 3.75% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,107 | 4.06% |
| Henderson, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,753 | 4.88% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,514 | 3.69% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,311 | 3.75% |
| Maysville, KY (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $14,320 | 3.50% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,088 | 3.56% |
| Marshall, MO (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $1,393 | 3.63% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,488 | 3.63% |
| Forest City, NC (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $3,179 | 3.79% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,756 | 3.75% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,507 | 3.81% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $3,513 | 3.63% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,509 | 3.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,901 | 4.06% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,829 | 4.25% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,444 | 3.25% |
| MERCED, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,459 | 3.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,845 | 3.94% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,324 | 3.63% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,494 | 3.50% |
| Palestine, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,343 | 4.38% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,268 | 3.75% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,558 | 3.63% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,261 | 3.75% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,297 | 3.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,889 | 3.38% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,004 | 3.88% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,949 | 3.38% |
| Albert Lea, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,256 | 4.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,445 | 3.88% |
| Boone, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,477 | 3.63% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,529 | 4.25% |
| Nogales, AZ (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,645 | 4.56% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,697 | 4.25% |
| GADSDEN, AL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,241 | 4.69% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,672 | 4.06% |
| Americus, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,202 | 4.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,389 | 4.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,064 | 4.00% |
| ERIE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,947 | 3.88% |
| Alexander City, AL (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $1,917 | 4.17% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,255 | 3.88% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,244 | 3.75% |
| Maryville, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,661 | 4.25% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,798 | 3.88% |
| MONROE, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,200 | 3.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,920 | 3.75% |
| DALTON, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,403 | 4.63% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,544 | 3.88% |
| TULSA, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,985 | 3.38% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,747 | 4.00% |
| Mount Airy, NC (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $5,225 | 4.06% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,039 | 3.63% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,721 | 3.75% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,493 | 3.38% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,172 | 3.50% |
| Frankfort, KY (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,598 | 4.75% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,869 | 4.13% |
| Bonham, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,937 | 3.75% |
| Levelland, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,165 | 3.75% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,891 | 3.50% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,583 | 5.50% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,177 | 3.38% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,145 | 4.38% |
| Wilson, NC (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,757 | 4.63% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,553 | 4.38% |
| Selma, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,618 | 4.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,556 | 4.63% |
| Alpena, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,017 | 3.38% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,327 | 3.63% |
| Fremont, NE (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,994 | 3.63% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,077 | 4.63% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,761 | 3.63% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,967 | 4.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,479 | 3.88% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,772 | 3.63% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,482 | 3.25% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,150 | 3.63% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,370 | 4.25% |
| Norfolk, NE (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,789 | 3.63% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,151 | 3.75% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,682 | 4.63% |
| Martinsville, VA (FHA|USDA|VA) | 3 | $115,000 | $38,333 | $2,142 | 5.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,932 | 4.75% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,609 | 4.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,931 | 3.63% |
| Freeport, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,753 | 4.50% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,717 | 3.88% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,603 | 4.25% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,209 | 3.63% |
| Platteville, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,181 | 4.00% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,104 | 3.50% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,574 | 4.50% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,878 | 4.13% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,902 | 4.00% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,652 | 4.00% |
| Oil City, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,190 | 4.88% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,893 | 4.38% |
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Product Mix
For 2019, Prosperity Home Mortgage's most frequently originated type of loan was Conventional, with 16,697 originations. Their 2nd most popular type was FHA, with 2,560 originations.
Loan Reason
For 2019, Prosperity Home Mortgage's most frequently cited loan purpose was Home Purchase, with 18,466 originations. The 2nd most popular reason was Refi, with 2,106 originations.
Loan Duration/Length
For 2019, Prosperity Home Mortgage's most frequently cited loan duration was 30 Year, with 19,854 originations. The 2nd most popular length was 15 Year, with 995 originations.
Origination Fees/Closing Costs
Prosperity Home Mortgage's average total fees were $4,955, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 11,987 originations.
Interest Rates
During 2019, Prosperity Home Mortgage's average interest rate for loans was 4.08%, while their most frequently originated rate bucket for loans was 3-4%, with 12,549 originations.
Loan Sizing
2019 saw Prosperity Home Mortgage place emphasis on $200k-400k loans with 10,208 originations, totaling $2,881,530,000 in origination value.
Applicant Income
Prosperity Home Mortgage lent most frequently to those with incomes in the $50k-75k range, with 5,047 originations. The second most popular income band? $100k-150k, with 4,824 originations.
Applicant Debt to Income Ratio
Prosperity Home Mortgage lent most frequently to those with DTI ratios of 20-30%, with 4,499 originations. The next most common DTI ratio? 30-36%, with 4,119 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.75%
Prosperity Home Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination76.91%
Prosperity Home Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 21,430 | $6,153,710,000 | $287,154 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 131 | $16,235,000 | $123,931 |
| Single Family (1-4 Units):Site-Built | 21,299 | $6,137,475,000 | $288,158 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| PROSPERITY BANCSHARES, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 33.3% |
| PROSPERITY BANCSHARES, INC. | Conventional home mortgage | Trouble during payment process | 1 | 33.3% |
| PROSPERITY BANCSHARES, INC. | Other type of mortgage | Closing on a mortgage | 1 | 33.3% |