Prosperity Bank Mortgage Lending & HMDA Data, 2016
In 2016, Prosperity Bank of El Campo, TX reported 6,996 mortgage applications totaling $2.4 billion, up 2% from 2015. The average application was for $344,919, and applicants reported an average income of $162,469. 62% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (1,351), Austin-Round Rock, TX (697) and Lubbock, TX (466) (applications in parentheses).
| Mortgage Company & Address | Prosperity Bank 1301 N Mechanic St El Campo, TX 77437 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 6,996 |
| Total Mortgage Loan Application Amount | $2,413,056,000 |
| Average Mortgage Loan Application Amount | $344,919 |
| Highest Mortgage Loan Application Amount | $49,350,000 |
| Average Applicant Income | $162,469 |
| Highest Applicant Income | $9,999,000 |
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Act (HMDA) records Prosperity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 1,351 | $ 546,354,000 | $ 404,407 | $ 192,000 |
| Austin-Round Rock, TX | 697 | $ 445,722,000 | $ 639,486 | $ 245,000 |
| Lubbock, TX | 466 | $ 67,902,000 | $ 145,712 | $ 98,000 |
| Corpus Christi, TX | 455 | $ 128,529,000 | $ 282,481 | $ 176,000 |
| Dallas-Plano-Irving, TX | 439 | $ 386,633,000 | $ 880,712 | $ 198,000 |
| College Station-Bryan, TX | 400 | $ 126,946,000 | $ 317,365 | $ 128,000 |
| Oklahoma City, OK | 302 | $ 77,144,000 | $ 255,443 | $ 95,000 |
| Victoria, TX | 271 | $ 36,039,000 | $ 132,985 | $ 128,000 |
| San Antonio-New Braunfels, TX | 226 | $ 145,122,000 | $ 642,132 | $ 186,000 |
| Tulsa, OK | 191 | $ 35,965,000 | $ 188,298 | $ 184,000 |
| Fort Worth-Arlington, TX | 146 | $ 102,090,000 | $ 699,246 | $ 252,000 |
| Abilene, TX | 116 | $ 12,433,000 | $ 107,181 | $ 90,000 |
| Midland, TX | 113 | $ 35,208,000 | $ 311,575 | $ 160,000 |
| Odessa, TX | 68 | $ 9,220,000 | $ 135,588 | $ 107,000 |
| Tyler, TX | 51 | $ 9,759,000 | $ 191,352 | $ 105,000 |
| Beaumont-Port Arthur, TX | 33 | $ 4,866,000 | $ 147,454 | $ 127,000 |
| Longview, TX | 15 | $ 1,335,000 | $ 89,000 | $ 72,000 |
| San Angelo, TX | 14 | $ 2,273,000 | $ 162,357 | $ 80,000 |
| Killeen-Temple, TX | 12 | $ 2,639,000 | $ 219,916 | $ 148,000 |
| Amarillo, TX | 11 | $ 2,226,000 | $ 202,363 | $ 164,000 |
| Brownsville-Harlingen, TX | 9 | $ 3,051,000 | $ 339,000 | $ 124,000 |
| Sherman-Denison, TX | 9 | $ 3,583,000 | $ 398,111 | $ 133,000 |
| Waco, TX | 5 | $ 3,852,000 | $ 770,400 | $ 66,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 4,916,000 | $ 1,229,000 | $ 614,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 985,000 | $ 328,333 | $ 299,000 |
| San Diego-Carlsbad, CA | 3 | $ 3,230,000 | $ 1,076,666 | $ 3,885,000 |
| Wichita, KS | 3 | $ 2,608,000 | $ 869,333 | $ 7,100,000 |
| Kansas City, MO-KS | 2 | $ 400,000 | $ 200,000 | $ 68,500 |
| Laredo, TX | 2 | $ 820,000 | $ 410,000 | $ 270,000 |
| Santa Fe, NM | 2 | $ 3,386,000 | $ 1,693,000 | $ 402,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 25,000 | $ 25,000 | $ 119,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 828,000 | $ 828,000 | $ 184,000 |
| Boise City, ID | 1 | $ 511,000 | $ 511,000 | $ 241,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| El Paso, TX | 1 | $ 173,000 | $ 173,000 | $ 74,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 307,000 | $ 307,000 | $ 350,000 |
| Fort Smith, AR-OK | 1 | $ 56,000 | $ 56,000 | $ 59,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 808,000 | $ 808,000 | $ 353,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 180,000 | $ 180,000 | $ 56,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 156,000 | $ 156,000 | $ 313,000 |
| New Orleans-Metairie, LA | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Panama City, FL | 1 | $ 2,500,000 | $ 2,500,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 200,000 | $ 200,000 | $ 774,000 |
Mortgage Loan Application Detail Totals for Prosperity Bank in 2016
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 | 4,289 | $1,971,650,000 | $459,000 | $49,350,000 | $179,000 | $9,999,000 |
| Home Improvement | 1,510 | $136,925,000 | $90,000 | $3,000,000 | $104,000 | $5,957,000 |
| Refinancing | 1,197 | $304,481,000 | $254,000 | $14,000,000 | $177,000 | $9,999,000 |
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 | 4,196 | $1,014,571,000 | $241,000 | $12,605,000 | $190,000 | $9,999,000 |
| Hispanic | 987 | $128,360,000 | $130,000 | $4,000,000 | $105,000 | $3,628,000 |
| Not applicable | 722 | $1,010,803,000 | $1,400,000 | $49,350,000 | $16,000 | $9,999,000 |
| Not Provided | 595 | $149,387,000 | $251,000 | $4,500,000 | $176,000 | $2,373,000 |
| Black or African American | 227 | $22,262,000 | $98,000 | $1,640,000 | $105,000 | $1,700,000 |
| Asian | 209 | $68,605,000 | $328,000 | $2,320,000 | $230,000 | $1,671,000 |
| American Indian or Alaskan Native | 46 | $14,027,000 | $304,000 | $1,540,000 | $843,000 | $9,999,000 |
| Native Hawaiin or Other Pacific Islander | 14 | $5,041,000 | $360,000 | $1,565,000 | $666,000 | $3,812,000 |
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) | 6,623 | $2,358,169,000 | $356,000 | $49,350,000 | $168,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 315 | $43,291,000 | $137,000 | $290,000 | $67,000 | $580,000 |
| VA-guaranteed (Veterans Administration) | 53 | $10,872,000 | $205,000 | $521,000 | $85,000 | $796,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $724,000 | $144,000 | $219,000 | $52,000 | $109,000 |
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 | 4,352 | $1,281,136,000 | $294,000 | $41,900,000 | $181,000 | $9,999,000 |
| Application Denied By Financial Institution | 1,142 | $390,063,000 | $341,000 | $43,520,000 | $93,000 | $9,999,000 |
| Application Withdrawn By Applicant | 1,080 | $525,616,000 | $486,000 | $49,350,000 | $166,000 | $3,000,000 |
| Application Approved But Not Accepted | 375 | $206,801,000 | $551,000 | $30,000,000 | $153,000 | $1,899,000 |
| Loan Purchased By The Institution | 33 | $6,005,000 | $181,000 | $304,000 | $119,000 | $667,000 |
| File Closed For Incompleteness | 14 | $3,435,000 | $245,000 | $808,000 | $184,000 | $453,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 503 | $98,865,000 | $196,000 | $43,520,000 | $78,000 | $1,253,000 |
| Debt-To-Income Ratio | 467 | $124,116,000 | $265,000 | $20,000,000 | $64,000 | $631,000 |
| Collateral | 61 | $12,809,000 | $209,000 | $780,000 | $124,000 | $1,031,000 |
| Other | 40 | $124,326,000 | $3,108,000 | $39,100,000 | $297,000 | $6,000,000 |
| Employment History | 35 | $3,764,000 | $107,000 | $455,000 | $83,000 | $381,000 |
| Credit Application Incomplete | 20 | $17,247,000 | $862,000 | $14,000,000 | $110,000 | $510,000 |
| Unverifiable Information | 9 | $5,513,000 | $612,000 | $4,677,000 | $1,169,000 | $9,999,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $3,423,000 | $489,000 | $1,520,000 | $176,000 | $424,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Prosperity Bank's 2016 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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