Applications / Mortgage Analytics / Lenders / Virginia / Prosperity Home Mortgage
Fairfax, VA · Independent non-bank lender · CFPB · 20,869 loans in 2025
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20,869
loans originated, 2025
28,926
applications, 2025
48
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Prosperity Home Mortgage is a home-purchase lender, with purchases 83.3% of its loans, that ranked 6 of 784 lenders in Philadelphia-Camden-Wilmington in 2025 while growing more slowly than most similar lenders.
Similar lenders are independent non-bank lenders making between half and twice as many loans. Its originations rose 4% to 20,869, against 14% at similar lenders and 10% for the whole market, slower than about seven in ten of them. It made 43,683 loans five years before and between 20,115 and 20,869 a year since 2023.
It ranked 6 of 784 lenders in Philadelphia-Camden-Wilmington, where CrossCountry Mortgage ranked first, 12 of 688 in Minneapolis-St. Paul-Bloomington and 15 of 610 in Hartford-West Hartford-East Hartford. Its share held at 1.7% in Hartford and was 1.8% in Minneapolis against 1.9% a year earlier.
Its typical loan was $335,000 against $285,000, and 3.3% were jumbo (larger than the conforming limit) against 1.3%. 16.8% of its loans were in LMI (low- and moderate-income) areas against 21.7%, lower than nearly nine in ten similar lenders, and 19.2% in majority-minority areas against 27.5%. Its larger loans and the markets it serves could account for some of this.
Only 1.0% of its loans were higher-priced (a rate well above the average for similar loans) against 5.7%, among the lowest tenth of similar lenders. FHA (insured by the Federal Housing Administration) loans were 15.9% of its lending against 26.3%, which fits a lower share of higher-priced loans.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Prosperity Home Mortgage took 28,926 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.3% · Refinance 15.7% · Other 0.8% · Home improvement 0.1%
Conventional 72.3% · FHA 15.9% · VA 11.5% · USDA (RHS or FSA) 0.3% · of 20,869 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 2,325 | 11.1% |
| Virginia | 2,141 | 10.3% |
| Minnesota | 1,746 | 8.4% |
| North Carolina | 1,281 | 6.1% |
| Maryland | 1,233 | 5.9% |
| New Jersey | 1,060 | 5.1% |
| Georgia | 1,024 | 4.9% |
| Connecticut | 862 | 4.1% |
| Wisconsin | 782 | 3.7% |
| Arizona | 775 | 3.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 1,449 |
| Philadelphia | 953 |
| Montgomery County-Bucks County-Chester County | 875 |
| Arlington-Alexandria-Reston | 774 |
| Kansas City | 709 |
| Atlanta-Sandy Springs-Roswell | 605 |
| Baltimore-Columbia-Towson | 517 |
| Richmond | 514 |
| Tucson | 511 |
| Chicago-Naperville-Schaumburg | 440 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005PKOSG7MYX0B34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3882560 | 2010–2013 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4741561 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7205216358 | |
| Respondent ID (the HMDA filer code before 2018) | 77815800008 | 1995–2010 |
Established 23 June 2006. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Prosperity Home Mortgage's data.
Prosperity Home Mortgage's data
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