Grade A · 0% of disclosures flagged for junk fees
Mortgage Company · Virginia · NMLS #184887
Avg Closing Costs
$6,238
median across reports
vs. National Average
84%
above national avg
Avg Origination Charge
$3,348
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Title Insurance | $3,460 | $3,111 | 🔴 Above Avg |
| discount_points | $3,370 | $2,242 | 🔺 High |
| Origination Fee | $3,348 | $1,584 | 🔺 High |
| Underwriting Fee | $1,600 | $1,473 | 🟡 Average |
| Appraisal | $1,166 | $1,081 | 🟡 Average |
| Settlement/Closing Fee | $1,077 | $986 | 🟡 Average |
| lender_credits | $1,074 | $428 | 🔺 High |
| Processing Fee | $857 | $790 | 🟡 Average |
| Title Search | $429 | $392 | 🟡 Average |
| Rate Lock Fee | $386 | $376 | 🟡 Average |
| Recording Fee | $380 | $344 | 🔴 Above Avg |
| Document Preparation | $182 | $147 | 🔴 Above Avg |
| Tax Service Fee | $140 | $128 | 🟡 Average |
| Credit Report | $78 | $69 | 🔴 Above Avg |
| Wire Transfer Fee | $74 | $69 | 🟡 Average |
| Courier/Delivery | $63 | $58 | 🟡 Average |
| Flood Certification | $25 | $23 | 🔴 Above Avg |
Got a Loan Estimate from Prosperity Home Mortgage, LLC? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 20,236 homebuyer-submitted Closing Disclosures, Prosperity Home Mortgage, LLC's median total closing costs are $6,238. This is about 84% above the $3,383 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
Closing Costs in Virginia
State-specific benchmarks for Virginia.
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Aggregates from Prosperity Home Mortgage, LLC's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
14,829
Ranked #28 nationally
Median Total Costs
$6,287
−5.9% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
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 |
| This lender | Virginia median | National median | |
|---|---|---|---|
| Total Closing Costs | $6,152 | $6,860 | $6,680 |
| Interest Rate | 6.500% | 6.450% | 6.490% |
| Originations in state | 1,644 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |
Popular Refinance Pages
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 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 | — |