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Prosperity Bank
Bank|El Campo, TX|Multi-Region
Loans Originated
1,449
Applications
3,081
Volume
$613 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+0.578%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$995
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
47.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Pull through efficiency is below industry average
Report Card
Prosperity Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 14 metro areas · 12 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$423,123
Average Borrower Income
$267,513
Average Property Value
$606,187
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 1,165 | 80.4% | +0.633% | $1,017 |
FHA Loans | Sound | Sound | Strong | Sound | 78 | 5.4% | +0.585% | $76 |
Jumbo Loans | Sound | Exceptional | Acceptable | Sound | 198 | 13.7% | +0.015% | $1,472 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 1,276 | 88.1% | +0.630% | $988 |
Refinance | Acceptable | Sound | Acceptable | Acceptable | 173 | 11.9% | +0.260% | $1,033 |
Geographic Coverage
Metro Areas
13
States Served
12
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ARAZCOFLIDKSKYLAMENMOKTX
Top Metro Areas by Place Specialization Score
1
Houston, TXMSA
Volume: 385Mix: 26.57%
Place Specialization
Strong
2
Dallas, TXMSA
Volume: 275Mix: 18.98%
Place Specialization
Strong
3
Victoria, TX, TXMSA
Volume: 41Mix: 2.83%
Place Specialization
Strong
4
Fort Worth, TXMSA
Volume: 106Mix: 7.32%
Place Specialization
Strong
5
Austin, TXMSA
Volume: 86Mix: 5.94%
Place Specialization
Strong
6
Corpus Christi, TX, TXMSA
Volume: 46Mix: 3.17%
Place Specialization
Strong
7
Lubbock, TX, TXMSA
Volume: 52Mix: 3.59%
Place Specialization
Strong
8
College Station, TXMSA
Volume: 26Mix: 1.79%
Place Specialization
Strong
9
Oklahoma City, OK, OKMSA
Volume: 43Mix: 2.97%
Place Specialization
Sound
10
Tulsa, OK, OKMSA
Volume: 33Mix: 2.28%
Place Specialization
Sound
Showing 10 of 13 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,353Mix: 93.37%
Place Specialization
Exceptional
2
OKState
Volume: 82Mix: 5.66%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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