Purchase Originations
14,829
Ranked #28 nationally
Median Total Costs
$6,287
−5.9% vs national ($6,680)
↓ $209 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,657
Median Lender Credits
$527
Cost Rank (500+ vol.)
#307
among lenders with 500+ originations
Denial Rate
3.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 10,884 | 6.625% | $5,693 | $1,805 |
| fha | 2,259 | 6.250% | $10,264 | $1,575 |
| va | 1,625 | 6.124% | $7,494 | $0 |
| usda | 61 | 6.375% | $6,455 | $1,499 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 1,644 | 6.500% | $6,152 | #13 |
| Pennsylvania | 1,639 | 6.625% | $7,459 | #10 |
| Minnesota | 1,349 | 6.625% | $5,129 | #6 |
| Maryland | 971 | 6.625% | $6,770 | #12 |
| North Carolina | 956 | 6.500% | $5,164 | #29 |
| Georgia | 783 | 6.375% | $7,954 | #32 |
| New Jersey | 770 | 6.625% | $6,485 | #21 |
| Wisconsin | 569 | 6.500% | $3,961 | #28 |
| Arizona | 552 | 6.375% | $7,520 | #32 |
| Connecticut | 485 | 6.750% | $5,688 | #11 |
| Texas | 436 | 6.500% | $8,740 | #122 |
| Illinois | 427 | 6.750% | $6,685 | #53 |
| California | 426 | 6.625% | $7,734 | #90 |
| Alabama | 402 | 6.500% | $5,766 | #32 |
| Missouri | 362 | 6.625% | $4,016 | #32 |
| Florida | 325 | 6.625% | $5,777 | #119 |
| Kentucky | 296 | 6.500% | $5,935 | #37 |
| Delaware | 246 | 6.500% | $7,828 | #12 |
| Michigan | 241 | 6.625% | $5,488 | #70 |
| Kansas | 235 | 6.625% | $3,619 | #30 |
| Indiana | 215 | 6.625% | $3,537 | #79 |
| New York | 215 | 6.750% | $6,379 | #82 |
| District of Columbia | 170 | 6.500% | $8,031 | #5 |
| Colorado | 152 | 6.625% | $4,214 | #88 |
| Nebraska | 152 | 6.500% | $3,706 | #29 |
| Massachusetts | 130 | 6.562% | $5,758 | #72 |
| Washington | 109 | 6.375% | $7,424 | #101 |
| South Carolina | 102 | 6.500% | $6,486 | #116 |
| Nevada | 100 | 6.562% | $7,140 | #64 |
| Ohio | 88 | 6.625% | $5,694 | #145 |
| Montana | 57 | 6.625% | $5,277 | #33 |
| Oregon | 53 | 6.500% | $7,610 | #101 |
| Tennessee | 47 | 6.500% | $7,501 | — |
| New Mexico | 38 | 6.438% | $6,305 | — |
| West Virginia | 37 | 6.125% | $6,951 | — |
| Rhode Island | 14 | 6.500% | $4,565 | — |
| Louisiana | 7 | 6.625% | $7,250 | — |
| New Hampshire | 7 | 6.750% | $5,053 | — |
| Arkansas | 6 | 6.562% | $4,727 | — |
| Oklahoma | 6 | 6.374% | $6,382 | — |
| Idaho | 3 | 6.490% | $5,934 | — |
| Mississippi | 2 | 6.812% | $6,274 | — |
| North Dakota | 2 | 6.250% | $17,477 | — |
| South Dakota | 2 | 5.870% | $5,497 | — |
| Utah | 1 | 5.990% | $3,276 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,635 | 6.688% | — | 178 | −$2,652 | |
| 2 | $3,835 | 6.625% | — | 182 | −$2,452 | |
| 3 | $4,754 | 6.625% | — | 262 | −$1,533 | |
| 4 | $5,072 | 6.625% | — | 175 | −$1,215 | |
| 5 | $5,095 | 6.625% | — | 419 | −$1,192 | |
| 6 | $5,460 | 6.625% | — | 146 | −$827 | |
| 7 | $5,654 | 6.688% | — | 204 | −$633 | |
| 8 | $5,686 | 6.500% | — | 140 | −$601 | |
| 9 | $6,789 | 6.750% | — | 206 | +$502 | |
| 10 | $7,232 | 6.500% | — | 301 | +$945 | |
| 11 | $7,260 | 6.625% | — | 204 | +$973 | |
| 12 | $7,269 | 6.375% | — | 247 | +$982 | |
| 13 | $7,285 | 6.625% | — | 243 | +$998 | |
| 14 | $7,345 | 6.625% | — | 178 | +$1,058 | |
| 15 | $7,472 | 6.375% | — | 383 | +$1,185 | |
| 16 | $7,607 | 6.625% | — | 295 | +$1,320 | |
| 17 | $7,980 | 6.375% | — | 146 | +$1,693 | |
| 18 | $8,029 | 6.500% | — | 198 | +$1,742 | |
| 19 | $8,031 | 6.500% | — | 170 | +$1,744 | |
| 20 | $8,098 | 6.500% | — | 392 | +$1,811 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Prosperity Home Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $6,287 | $7,127 | −$840 (−11.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.