Prosperity Home Mortgage in Texas vs the state
5.4%Denial rate-14.07 pts vs state
7.0%Decision denial rate-17.89 pts vs state
70.4%Origination rate+15.49 pts vs state
6.60%Median rate+0.10 pts vs state
0.17Rate spread (pts)-0.02 pts vs state
$145kMedian applicant income
551Loans originated
42Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,140 | 761 | 7.4% | 6.75% | #137 |
| 2024 | 843 | 626 | 5.7% | 6.75% | #189 |
| 2025 | 783 | 551 | 5.4% | 6.60% | #193 |
What Prosperity Home Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 160 | 109 | 8 | 5.0% |
| Denton County | 155 | 121 | 2 | 1.3% |
| Tarrant County | 126 | 86 | 5 | 4.0% |
| Collin County | 114 | 77 | 8 | 7.0% |
| Grayson County | 26 | 19 | 4 | 15.4% |
| Harris County | 20 | 11 | 2 | 10.0% |
| Taylor County | 17 | 14 | 1 | 5.9% |
| Hunt County | 14 | 11 | 0 | 0.0% |
| Ellis County | 12 | 5 | 2 | 16.7% |
| Johnson County | 11 | 5 | 2 | 18.2% |
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: 783 applications in 2025, of which 551 were originated and 42 denied.
5.4% of all applications, or 7.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Prosperity Home Mortgage originated in Texas in 2025 was 6.60%, against a statewide median of 6.50%.
About this data. Figures are Prosperity Home Mortgage'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