We analyzed every closed loan from Prosperity Bank — 1.4k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 13 mkts
Awards
Conventional
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Prosperity Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+57.8 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 14 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,165 | 80.4% | +0.633%Above | $1,017Fees | ||||
FHA Loans | 78 | 5.4% | +0.585%Above | $76Fees | ||||
Jumbo Loans | 198 | 13.7% | +0.015%Above | $1,472Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,165
Mix80.4%
Spread
+0.633%Above
Fees
$1,017Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume78
Mix5.4%
Spread
+0.585%Above
Fees
$76Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume198
Mix13.7%
Spread
+0.015%Above
Fees
$1,472Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,276 | 88.1% | +0.630%Above | $988Fees | ||||
Refinance | 173 | 11.9% | +0.260%Above | $1,033Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,276
Mix88.1%
Spread
+0.630%Above
Fees
$988Fees
Refinance
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume173
Mix11.9%
Spread
+0.260%Above
Fees
$1,033Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,449
Applications
3,081
Volume
$613 million
Pricing & Closing
Avg Rate Spread
+0.578%
vs. market APOR
Avg Net Fees
$995
Origination − Credits
Pullthrough Rate
47.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$423,123
Avg Borrower Income
$267,513
Avg Property Value
$606,187
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
12Northeast1
ME
Midwest1
KS
South6
ARFLKYLAOKTX
West4
AZCOIDNM
Top Metro Areas by Place Specialization Score
Volume 385Mix 26.57% of portfolio
79/100
Strong
Volume 275Mix 18.98% of portfolio
77/100
Strong
Volume 41Mix 2.83% of portfolio
73/100
Strong
4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 106Mix 7.32% of portfolio
70/100
Strong
Volume 86Mix 5.94% of portfolio
67/100
Strong
Volume 46Mix 3.17% of portfolio
64/100
Strong
Volume 52Mix 3.59% of portfolio
63/100
Strong
Volume 26Mix 1.79% of portfolio
61/100
Strong
Volume 43Mix 2.97% of portfolio
58/100
Sound
Volume 33Mix 2.28% of portfolio
54/100
SoundShowing 10 of 13 metro areas
Top States by Place Specialization Score
1
TexasState
Volume 1,353Mix 93.37% of portfolio
85/100
Exceptional2
OklahomaState
Volume 82Mix 5.66% of portfolio
62/100
StrongHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.