Lenders › Prosperity Bank › Texas
Prosperity Bank in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Prosperity Bank's 2024 HMDA record for Texas covers 5,075 applications, 2,258 of them originated, worth $1.0bn.
Its denial rate in the state was 35.8%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 34.7%.
The median rate spread on its Texas originations was 0.4 percentage points (state median 0.2).
Applications in the state were down 39% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Prosperity Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 35.8% | 26.0% | 34.7% | 24.3% |
| Median rate spread, pp | 0.4 | 0.2 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 22.1% | 11.8% | 21.3% | 15.6% |
| Average originated loan | $451k | $350k | $441k | $329k |
| Home purchase share | 74.2% | 72.8% | 74.3% | 57.0% |
| FHA-insured share | 3.4% | 19.8% | 3.3% | 13.4% |
| VA-guaranteed share | 0.2% | 10.4% | 0.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 74% (1,676)Home improvement 9% (209)Refinancing 10% (216)Cash-out refinancing 2% (36)Other purpose 5% (121)
By type
Conventional 96% (2,176)FHA 3% (77)VA 0% (5)
Denial reasons as coded
Share of 1,356 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harris County | 800 | 371 | $211m | 32.9% |
| Dallas County | 410 | 205 | $144m | 30.4% |
| Tarrant County | 215 | 101 | $51m | 35.6% |
| Lubbock County | 175 | 92 | $21m | 27.9% |
| Collin County | 178 | 83 | $41m | 29.5% |
| Victoria County | 176 | 76 | $17m | 37.0% |
| Travis County | 188 | 75 | $88m | 35.2% |
| Montgomery County | 149 | 56 | $58m | 44.2% |
| Nueces County | 130 | 55 | $17m | 36.1% |
| Fort Bend County | 108 | 50 | $22m | 35.0% |
| Hale County | 93 | 50 | $7.3m | 31.6% |
| Denton County | 105 | 49 | $36m | 27.4% |
| Brazos County | 99 | 43 | $21m | 38.2% |
| Wichita County | 53 | 42 | $3.6m | 10.2% |
| Midland County | 87 | 37 | $17m | 33.8% |
| Galveston County | 71 | 37 | $12m | 26.4% |
| Ector County | 54 | 34 | $4.0m | 29.2% |
| Smith County | 62 | 32 | $10m | 36.5% |
| Brazoria County | 74 | 28 | $8.1m | 38.8% |
| Hays County | 40 | 26 | $16m | 27.0% |
| Kaufman County | 38 | 25 | $5.6m | 16.7% |
| Randall County | 37 | 24 | $6.4m | 3.2% |
| Ellis County | 53 | 21 | $5.5m | 37.8% |
| Anderson County | 51 | 21 | $3.1m | 35.3% |
| Waller County | 46 | 20 | $8.0m | 40.0% |
| Comal County | 43 | 19 | $6.1m | 41.2% |
| Parker County | 33 | 19 | $9.8m | 23.1% |
| Aransas County | 56 | 18 | $11m | 38.2% |
| Matagorda County | 43 | 18 | $3.8m | 26.9% |
| Henderson County | 42 | 18 | $4.0m | 42.4% |
| Williamson County | 67 | 16 | $7.0m | 58.1% |
| Potter County | 29 | 16 | $2.2m | — |
| Houston County | 45 | 14 | $2.8m | 51.4% |
| Howard County | 40 | 14 | $2.8m | 52.9% |
| Bexar County | 30 | 13 | $6.6m | — |
| Cherokee County | 27 | 13 | $1.7m | — |
| Taylor County | 31 | 12 | $1.5m | — |
| Calhoun County | 35 | 11 | $3.2m | — |
| Grimes County | 26 | 11 | $2.5m | — |
| Burnet County | 26 | 11 | $12m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Prosperity Bank originate in Texas in 2024?
2,258 loans totalling $1.0bn, from 5,075 applications reported for properties in Texas.
What is Prosperity Bank's denial rate in Texas?
35.8% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 34.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does Prosperity Bank lend in most?
By originations: Harris County (371), Dallas County (205), Tarrant County (101), Lubbock County (92), Collin County (83).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.