Prosperity Bank in Texas vs the state
24.8%Denial rate+5.37 pts vs state
32.3%Decision denial rate+7.44 pts vs state
48.4%Origination rate-6.50 pts vs state
6.99%Median rate+0.49 pts vs state
0.38Rate spread (pts)+0.19 pts vs state
$131kMedian applicant income
2,220Loans originated
1,138Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,270 | 4,605 | 18.8% | 6.63% | #23 |
| 2024 | 5,075 | 2,258 | 26.7% | 7.50% | #33 |
| 2025 | 4,589 | 2,220 | 24.8% | 6.99% | #40 |
What Prosperity Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Prosperity Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 685 | 331 | 170 | 24.8% |
| Dallas County | 373 | 187 | 80 | 21.4% |
| Tarrant County | 215 | 112 | 49 | 22.8% |
| Travis County | 185 | 81 | 36 | 19.5% |
| Lubbock County | 178 | 108 | 34 | 19.1% |
| Collin County | 144 | 65 | 33 | 22.9% |
| Victoria County | 124 | 60 | 40 | 32.3% |
| Montgomery County | 123 | 63 | 32 | 26.0% |
| Nueces County | 120 | 54 | 31 | 25.8% |
| Fort Bend County | 120 | 49 | 32 | 26.7% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 4,589 applications in 2025, of which 2,220 were originated and 1,138 denied.
24.8% of all applications, or 32.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Prosperity Bank originated in Texas in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Prosperity Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology