Prosperity Bank Mortgage Lending & HMDA Data, 2011
In 2011, Prosperity Bank of El Campo, TX reported 3,934 mortgage applications totaling $686.2 million, up 27% from 2010. The average application was for $174,431, and applicants reported an average income of $154,195. 67% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (1,034), Austin-Round Rock-San Marcos, TX (554) and Dallas-Plano-Irving, TX (331) (applications in parentheses).
| Mortgage Company & Address | Prosperity Bank 1301 N Mechanic El Campo, TX 77437 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,934 |
| Total Mortgage Loan Application Amount | $686,213,000 |
| Average Mortgage Loan Application Amount | $174,431 |
| Highest Mortgage Loan Application Amount | $3,853,000 |
| Average Applicant Income | $154,195 |
| Highest Applicant Income | $9,487,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Prosperity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris, Texas | 542 | $ 141,125,000 | $ 260,378 | $ 213,000 |
| Travis, Texas | 356 | $ 131,058,000 | $ 368,140 | $ 271,000 |
| Brazos, Texas | 186 | $ 20,053,000 | $ 107,811 | $ 98,000 |
| Dallas, Texas | 173 | $ 38,908,000 | $ 224,901 | $ 234,000 |
| Nueces, Texas | 160 | $ 17,733,000 | $ 110,831 | $ 109,000 |
| Henderson, Texas | 138 | $ 10,249,000 | $ 74,268 | $ 84,000 |
| Victoria, Texas | 132 | $ 16,832,000 | $ 127,515 | $ 110,000 |
| Fort Bend, Texas | 124 | $ 28,714,000 | $ 231,564 | $ 195,000 |
| Matagorda, Texas | 123 | $ 9,344,000 | $ 75,967 | $ 87,000 |
| Williamson, Texas | 89 | $ 17,324,000 | $ 194,651 | $ 174,000 |
| Wharton, Texas | 78 | $ 12,844,000 | $ 164,666 | $ 171,000 |
| Waller, Texas | 72 | $ 9,760,000 | $ 135,555 | $ 91,000 |
| Liberty, Texas | 71 | $ 4,328,000 | $ 60,957 | $ 75,000 |
| Montgomery, Texas | 68 | $ 21,190,000 | $ 311,617 | $ 333,000 |
| Bastrop, Texas | 67 | $ 7,486,000 | $ 111,731 | $ 94,000 |
| Aransas, Texas | 66 | $ 7,204,000 | $ 109,151 | $ 143,000 |
| Galveston, Texas | 66 | $ 9,725,000 | $ 147,348 | $ 213,000 |
| Anderson, Texas | 65 | $ 4,830,000 | $ 74,307 | $ 93,000 |
| Brazoria, Texas | 65 | $ 6,333,000 | $ 97,430 | $ 99,000 |
| Fayette, Texas | 63 | $ 5,571,000 | $ 88,428 | $ 90,000 |
| Grimes, Texas | 59 | $ 4,605,000 | $ 78,050 | $ 68,000 |
| Ellis, Texas | 51 | $ 6,347,000 | $ 124,450 | $ 108,000 |
| Collin, Texas | 49 | $ 12,299,000 | $ 251,000 | $ 189,000 |
| Tarrant, Texas | 48 | $ 9,855,000 | $ 205,312 | $ 251,000 |
| Denton, Texas | 46 | $ 7,930,000 | $ 172,391 | $ 114,000 |
| Madison, Texas | 43 | $ 2,421,000 | $ 56,302 | $ 61,000 |
| Houston, Texas | 42 | $ 2,581,000 | $ 61,452 | $ 58,000 |
| San Patricio, Texas | 42 | $ 3,491,000 | $ 83,119 | $ 89,000 |
| Hays, Texas | 41 | $ 11,405,000 | $ 278,170 | $ 125,000 |
| Smith, Texas | 39 | $ 6,205,000 | $ 159,102 | $ 139,000 |
| Bexar, Texas | 37 | $ 8,330,000 | $ 225,135 | $ 279,000 |
| Navarro, Texas | 37 | $ 4,085,000 | $ 110,405 | $ 78,000 |
| Cherokee, Texas | 35 | $ 3,136,000 | $ 89,600 | $ 84,000 |
| Lee, Texas | 35 | $ 2,345,000 | $ 67,000 | $ 93,000 |
| Jefferson, Texas | 33 | $ 2,836,000 | $ 85,939 | $ 69,000 |
| Cooke, Texas | 28 | $ 3,065,000 | $ 109,464 | $ 104,000 |
| Burleson, Texas | 27 | $ 2,324,000 | $ 86,074 | $ 78,000 |
| Lavaca, Texas | 27 | $ 2,245,000 | $ 83,148 | $ 62,000 |
| Atascosa, Texas | 25 | $ 1,660,000 | $ 66,400 | $ 110,000 |
| Comal, Texas | 25 | $ 7,591,000 | $ 303,640 | $ 290,000 |
| DeWitt, Texas | 24 | $ 2,548,000 | $ 106,166 | $ 71,000 |
| Freestone, Texas | 23 | $ 996,000 | $ 43,304 | $ 55,000 |
| Calhoun, Texas | 22 | $ 4,893,000 | $ 222,409 | $ 149,000 |
| Bee, Texas | 20 | $ 1,825,000 | $ 91,250 | $ 102,000 |
| Goliad, Texas | 19 | $ 2,158,000 | $ 113,578 | $ 85,000 |
| Gonzales, Texas | 19 | $ 970,000 | $ 51,052 | $ 58,000 |
| Jackson, Texas | 18 | $ 1,382,000 | $ 76,777 | $ 81,000 |
| Washington, Texas | 18 | $ 2,470,000 | $ 137,222 | $ 84,000 |
| Chambers, Texas | 16 | $ 1,086,000 | $ 67,875 | $ 78,000 |
| Colorado, Texas | 16 | $ 1,636,000 | $ 102,250 | $ 86,000 |
| Panola, Texas | 14 | $ 979,000 | $ 69,928 | $ 86,000 |
| Cameron, Texas | 13 | $ 2,433,000 | $ 187,153 | $ 195,000 |
| Llano, Texas | 13 | $ 2,926,000 | $ 225,076 | $ 152,000 |
| Guadalupe, Texas | 11 | $ 5,184,000 | $ 471,272 | $ 485,000 |
| Kaufman, Texas | 10 | $ 1,531,000 | $ 153,100 | $ 100,000 |
| Van Zandt, Texas | 10 | $ 995,000 | $ 99,500 | $ 98,000 |
| Burnet, Texas | 9 | $ 2,705,000 | $ 300,555 | $ 115,000 |
| Limestone, Texas | 8 | $ 700,000 | $ 87,500 | $ 67,000 |
| San Jacinto, Texas | 8 | $ 581,000 | $ 72,625 | $ 204,000 |
| Walker, Texas | 8 | $ 798,000 | $ 99,750 | $ 70,000 |
| Gregg, Texas | 7 | $ 1,040,000 | $ 148,571 | $ 88,000 |
| Kleberg, Texas | 7 | $ 1,816,000 | $ 259,428 | $ 57,000 |
| Leon, Texas | 7 | $ 449,000 | $ 64,142 | $ 123,000 |
| Robertson, Texas | 7 | $ 1,425,000 | $ 203,571 | $ 160,000 |
| Jim Wells, Texas | 5 | $ 486,000 | $ 97,200 | $ 54,000 |
| Parker, Texas | 5 | $ 250,000 | $ 50,000 | $ 76,000 |
| Upshur, Texas | 5 | $ 485,000 | $ 97,000 | $ 126,000 |
| Bell, Texas | 4 | $ 2,679,000 | $ 669,750 | $ 451,000 |
| Franklin, Texas | 4 | $ 160,000 | $ 40,000 | $ 83,000 |
| Johnson, Texas | 4 | $ 496,000 | $ 124,000 | $ 87,000 |
| Angelina, Texas | 3 | $ 134,000 | $ 44,666 | $ 139,000 |
| Hardin, Texas | 3 | $ 526,000 | $ 175,333 | $ 110,000 |
| Kendall, Texas | 3 | $ 1,019,000 | $ 339,666 | $ 396,000 |
| Milam, Texas | 3 | $ 85,000 | $ 28,333 | $ 60,000 |
| Wise, Texas | 3 | $ 464,000 | $ 154,666 | $ 101,000 |
| Wood, Texas | 3 | $ 151,000 | $ 50,333 | $ 68,000 |
| Luna, New Mexico | 2 | $ 86,000 | $ 43,000 | $ 55,000 |
| Carter, Oklahoma | 2 | $ 250,000 | $ 125,000 | $ 618,000 |
| Austin, Texas | 2 | $ 206,000 | $ 103,000 | $ 83,000 |
| Bandera, Texas | 2 | $ 365,000 | $ 182,500 | $ 143,000 |
| Bowie, Texas | 2 | $ 400,000 | $ 200,000 | $ 110,000 |
| Ector, Texas | 2 | $ 272,000 | $ 136,000 | $ 287,000 |
| Grayson, Texas | 2 | $ 686,000 | $ 343,000 | $ 22,000 |
| Karnes, Texas | 2 | $ 103,000 | $ 51,500 | $ 43,000 |
| Lubbock, Texas | 2 | $ 182,000 | $ 91,000 | $ 299,000 |
| McLennan, Texas | 2 | $ 386,000 | $ 193,000 | $ 297,000 |
| Montague, Texas | 2 | $ 69,000 | $ 34,500 | $ 59,000 |
| Orange, Texas | 2 | $ 13,000 | $ 6,500 | $ 25,000 |
| Palo Pinto, Texas | 2 | $ 251,000 | $ 125,500 | $ 201,000 |
| Trinity, Texas | 2 | $ 45,000 | $ 22,500 | $ 36,000 |
| Wilson, Texas | 2 | $ 184,000 | $ 92,000 | $ 40,000 |
| Adams, Colorado | 1 | $ 5,000 | $ 5,000 | $ 172,000 |
| Archuleta, Colorado | 1 | $ 375,000 | $ 375,000 | $ 134,000 |
| Lincoln, New Mexico | 1 | $ 248,000 | $ 248,000 | $ 154,000 |
| Beaufort, South Carolina | 1 | $ 140,000 | $ 140,000 | $ 78,000 |
| Blanco, Texas | 1 | $ 104,000 | $ 104,000 | $ 53,000 |
| Bosque, Texas | 1 | $ 250,000 | $ 250,000 | $ 382,000 |
| Caldwell, Texas | 1 | $ 165,000 | $ 165,000 | $ 200,000 |
| Cass, Texas | 1 | $ 52,000 | $ 52,000 | $ 128,000 |
| Erath, Texas | 1 | $ 41,000 | $ 41,000 | $ 108,000 |
| Fannin, Texas | 1 | $ 53,000 | $ 53,000 | $ 82,000 |
| Gillespie, Texas | 1 | $ 281,000 | $ 281,000 | $ 0 |
| Harrison, Texas | 1 | $ 192,000 | $ 192,000 | $ 75,000 |
| Hill, Texas | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Hood, Texas | 1 | $ 395,000 | $ 395,000 | $ 292,000 |
| Hunt, Texas | 1 | $ 79,000 | $ 79,000 | $ 200,000 |
| Lampasas, Texas | 1 | $ 351,000 | $ 351,000 | $ 225,000 |
| Live Oak, Texas | 1 | $ 30,000 | $ 30,000 | $ 34,000 |
| Marion, Texas | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| McMullen, Texas | 1 | $ 5,000 | $ 5,000 | $ 91,000 |
| Nacogdoches, Texas | 1 | $ 3,000 | $ 3,000 | $ 15,000 |
| Polk, Texas | 1 | $ 46,000 | $ 46,000 | $ 55,000 |
| Rains, Texas | 1 | $ 96,000 | $ 96,000 | $ 50,000 |
| Real, Texas | 1 | $ 75,000 | $ 75,000 | $ 113,000 |
| Refugio, Texas | 1 | $ 263,000 | $ 263,000 | $ 121,000 |
| Rockwall, Texas | 1 | $ 100,000 | $ 100,000 | $ 41,000 |
| Rusk, Texas | 1 | $ 86,000 | $ 86,000 | $ 114,000 |
| Sabine, Texas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Tyler, Texas | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Uvalde, Texas | 1 | $ 330,000 | $ 330,000 | $ 227,000 |
| Wichita, Texas | 1 | $ 118,000 | $ 118,000 | $ 126,000 |
Mortgage Loan Application Detail Totals for Prosperity Bank in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,781 | $385,870,000 | $216,000 | $3,275,000 | $180,000 | $5,554,000 |
| Refinancing | 1,227 | $255,423,000 | $208,000 | $3,853,000 | $175,000 | $9,487,000 |
| Home Improvement | 926 | $44,920,000 | $48,000 | $2,000,000 | $77,000 | $741,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,524 | $459,847,000 | $182,000 | $3,853,000 | $178,000 | $9,487,000 |
| Hispanic | 694 | $65,996,000 | $95,000 | $3,275,000 | $102,000 | $3,199,000 |
| Not applicable | 219 | $54,153,000 | $247,000 | $2,700,000 | $0 | $0 |
| Black or African American | 178 | $21,529,000 | $120,000 | $1,500,000 | $124,000 | $3,490,000 |
| Not Provided | 147 | $36,118,000 | $245,000 | $3,075,000 | $204,000 | $2,000,000 |
| Asian | 144 | $41,568,000 | $288,000 | $2,146,000 | $206,000 | $1,091,000 |
| American Indian or Alaskan Native | 15 | $2,531,000 | $168,000 | $1,229,000 | $104,000 | $816,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $4,471,000 | $343,000 | $1,131,000 | $308,000 | $1,219,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,932 | $685,781,000 | $174,000 | $3,853,000 | $154,000 | $9,487,000 |
| FHA-insured (Federal Housing Administration) | 1 | $151,000 | $151,000 | $151,000 | $46,000 | $46,000 |
| VA-guaranteed (Veterans Administration) | 1 | $281,000 | $281,000 | $281,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,622 | $477,213,000 | $182,000 | $3,853,000 | $175,000 | $9,487,000 |
| Application Denied By Financial Institution | 803 | $112,189,000 | $139,000 | $2,700,000 | $87,000 | $2,685,000 |
| Application Approved But Not Accepted | 434 | $83,184,000 | $191,000 | $2,000,000 | $160,000 | $3,386,000 |
| Application Withdrawn By Applicant | 35 | $8,894,000 | $254,000 | $3,075,000 | $153,000 | $2,000,000 |
| Preapproval Denied by Financial Institution | 24 | $2,105,000 | $87,000 | $270,000 | $70,000 | $720,000 |
| File Closed For Incompleteness | 11 | $2,200,000 | $200,000 | $280,000 | $86,000 | $145,000 |
| Preapproval Approved but not Accepted | 5 | $428,000 | $85,000 | $140,000 | $40,000 | $91,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 452 | $40,880,000 | $90,000 | $2,660,000 | $78,000 | $2,685,000 |
| Debt-To-Income Ratio | 300 | $58,630,000 | $195,000 | $2,700,000 | $88,000 | $679,000 |
| Collateral | 41 | $7,800,000 | $190,000 | $2,000,000 | $123,000 | $623,000 |
| Other | 12 | $1,743,000 | $145,000 | $400,000 | $149,000 | $577,000 |
| Employment History | 10 | $1,926,000 | $192,000 | $960,000 | $89,000 | $270,000 |
| Unverifiable Information | 7 | $1,009,000 | $144,000 | $263,000 | $240,000 | $703,000 |
| Credit Application Incomplete | 3 | $618,000 | $206,000 | $489,000 | $103,000 | $178,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,688,000 | $844,000 | $1,350,000 | $64,000 | $128,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Prosperity Bank's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Prosperity Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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