# Prosperity Bank

> **Canonical URL:** https://saferate.com/lenders/prosperity-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Prosperity Bank is a bank, headquartered in El Campo, TX, serving borrowers across 12 states, with 1,449 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 63% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300D003QRZFSQ4N43
- **Headquarters:** El Campo, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** AR, AZ, CO, FL, ID, KS, KY, LA, ME, NM, OK, TX
- **Markets (MSAs):** 14
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.578%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $995
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,449
- **Dollar Volume:** $613 million
- **Applications Received:** 3,081
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $423,123
- **Average Borrower Income:** $267,513
- **Average Property Value:** $606,187

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 79/100 | 1,165 | +0.633% | $1,017 | Strong 😀 |
| FHA | 60/100 | 78 | +0.585% | $76 | Sound ☺️ |
| Jumbo | 83/100 | 198 | +0.015% | $1,472 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,013 loans, Score: 78/100 (Strong)
- Refinance: 152 loans, Score: 58/100 (Sound)

**FHA:**
- Purchase: 78 loans, Score: 60/100 (Strong)

**Jumbo:**
- Purchase: 177 loans, Score: 84/100 (Exceptional)
- Refinance: 21 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 77/100 | 1,276 | $551M | +0.630% | Strong 😀 |
| Refinance | 58/100 | 173 | $62M | +0.260% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,353 | 0.39% | 85/100 |
| OK | 82 | 0.20% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 385 | 79/100 |
| Dallas | TX | 275 | 77/100 |
| Non |  | 253 | 64/100 |
| Fort Worth | TX | 106 | 70/100 |
| Austin | TX | 86 | 67/100 |
| Lubbock, TX | TX | 52 | 63/100 |
| Corpus Christi, TX | TX | 46 | 64/100 |
| Oklahoma City, OK | OK | 43 | 58/100 |
| Victoria, TX | TX | 41 | 73/100 |
| Tulsa, OK | OK | 33 | 54/100 |
| College Station | TX | 26 | 61/100 |
| Midland, TX | TX | 19 | 52/100 |
| San Antonio | TX | 19 | 46/100 |
| Tyler, TX | TX | 14 | 48/100 |

## Where This Lender Ranks

Prosperity Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Corpus Christi, TX for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in College Station for Jumbo Loans
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in College Station for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Corpus Christi, TX for Jumbo Loans
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in Victoria, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/victoria-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Lubbock, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Lubbock, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Victoria, TX
  - [View Full Rankings](https://saferate.com/victoria-tx/best-mortgage-lenders)
- 🏆 **#6** in Victoria, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/victoria-tx/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Midland, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Corpus Christi, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Lubbock, TX Banks
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/banks)
- 🏆 **#8** in Oklahoma City, OK for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#8** in College Station Banks
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks)
- 🏆 **#9** in Houston for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#9** in Oklahoma City, OK for Jumbo Loans
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/jumbo-loans)
- 🏆 **#9** in College Station for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Tyler, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tyler-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Texas for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#10** in Dallas for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

### What loan types does Prosperity Bank offer?

Prosperity Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Prosperity Bank offer mortgages?

Prosperity Bank offers mortgages in 12 states: AR, AZ, CO, FL, ID, KS, KY, LA, ME, NM, OK, TX.

### How competitive are Prosperity Bank's mortgage rates?

Prosperity Bank has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.578% above market average.

### What type of lender is Prosperity Bank?

Prosperity Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in El Campo, TX.

### What is Prosperity Bank's loan approval success rate?

Prosperity Bank has a pull-through score of 37/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/prosperity-bank

### How to Cite

> "Prosperity Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/prosperity-bank

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