Prosperity Bank Mortgage Lending & HMDA Data, 2020
In 2020, Prosperity Bank of El Campo, TX reported 11,047 mortgage applications totaling $4.1 billion, up 72% from 2019. The average application was for $371,252, and applicants reported an average income of $193,438. 65% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Dallas-Plano-Irving, TX (2,563), Houston-The Woodlands-Sugar Land, TX (1,639) and Fort Worth-Arlington, TX (1,527) (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 | 11,047 |
| Total Mortgage Loan Application Amount | $4,101,225,000 |
| Average Mortgage Loan Application Amount | $371,252 |
| Highest Mortgage Loan Application Amount | $74,305,000 |
| Average Applicant Income | $193,438 |
| Highest Applicant Income | $8,299,000 |
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Act (HMDA) records Prosperity Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 2,563 | $ 1,016,205,000 | $ 396,490 | $ 177,000 |
| Outside any metro area | 1,811 | $ 418,475,000 | $ 231,073 | $ 159,989 |
| Houston-The Woodlands-Sugar Land, TX | 1,639 | $ 827,795,000 | $ 505,061 | $ 261,000 |
| Fort Worth-Arlington, TX | 1,527 | $ 483,375,000 | $ 316,552 | $ 170,000 |
| Austin-Round Rock, TX | 734 | $ 616,330,000 | $ 839,686 | $ 311,000 |
| Lubbock, TX | 403 | $ 73,905,000 | $ 183,387 | $ 133,000 |
| Oklahoma City, OK | 325 | $ 101,735,000 | $ 313,030 | $ 144,000 |
| San Antonio-New Braunfels, TX | 277 | $ 86,555,000 | $ 312,472 | $ 212,000 |
| College Station-Bryan, TX | 269 | $ 74,755,000 | $ 277,899 | $ 193,000 |
| Tulsa, OK | 268 | $ 55,390,000 | $ 206,679 | $ 139,000 |
| Corpus Christi, TX | 263 | $ 73,275,000 | $ 278,612 | $ 245,000 |
| Victoria, TX | 237 | $ 46,115,000 | $ 194,578 | $ 145,000 |
| Tyler, TX | 176 | $ 60,920,000 | $ 346,136 | $ 153,000 |
| Abilene, TX | 129 | $ 18,275,000 | $ 141,666 | $ 102,000 |
| Midland, TX | 69 | $ 18,585,000 | $ 269,347 | $ 277,000 |
| Longview, TX | 53 | $ 11,525,000 | $ 217,452 | $ 110,000 |
| San Angelo, TX | 52 | $ 7,620,000 | $ 146,538 | $ 58,000 |
| Sherman-Denison, TX | 51 | $ 13,195,000 | $ 258,725 | $ 248,000 |
| Odessa, TX | 43 | $ 7,485,000 | $ 174,069 | $ 209,000 |
| Beaumont-Port Arthur, TX | 31 | $ 36,545,000 | $ 1,178,870 | $ 169,000 |
| Amarillo, TX | 16 | $ 5,470,000 | $ 341,875 | $ 153,000 |
| Killeen-Temple, TX | 14 | $ 4,880,000 | $ 348,571 | $ 139,000 |
| Brownsville-Harlingen, TX | 11 | $ 2,955,000 | $ 268,636 | $ 364,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 11 | $ 3,445,000 | $ 313,181 | $ 266,000 |
| Waco, TX | 6 | $ 1,360,000 | $ 226,666 | $ 158,000 |
| Crestview-Fort Walton Beach-Destin, FL | 5 | $ 6,915,000 | $ 1,383,000 | $ 2,483,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 910,000 | $ 227,500 | $ 190,000 |
| Wichita Falls, TX | 4 | $ 3,190,000 | $ 797,500 | $ 691,000 |
| Colorado Springs, CO | 3 | $ 1,695,000 | $ 565,000 | $ 231,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 745,000 | $ 248,333 | $ 206,000 |
| Jacksonville, FL | 3 | $ 2,235,000 | $ 745,000 | $ 290,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 645,000 | $ 215,000 | $ 285,000 |
| San Diego-Carlsbad, CA | 3 | $ 665,000 | $ 221,666 | $ 101,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 830,000 | $ 415,000 | $ 263,000 |
| Clarksville, TN-KY | 2 | $ 650,000 | $ 325,000 | $ 136,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 2,140,000 | $ 1,070,000 | $ 564,000 |
| Greeley, CO | 2 | $ 820,000 | $ 410,000 | $ 508,000 |
| Lawton, OK | 2 | $ 290,000 | $ 145,000 | $ 564,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 330,000 | $ 165,000 | $ 130,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 330,000 | $ 165,000 | $ 91,000 |
| Richmond, VA | 2 | $ 490,000 | $ 245,000 | $ 100,000 |
| Tucson, AZ | 2 | $ 680,000 | $ 340,000 | $ 122,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,820,000 | $ 910,000 | $ 1,370,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 385,000 | $ 385,000 | $ 80,000 |
| Barnstable Town, MA | 1 | $ 1,025,000 | $ 1,025,000 | $ 962,000 |
| Eugene, OR | 1 | $ 385,000 | $ 385,000 | $ 87,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 195,000 | $ 195,000 | $ 171,000 |
| Fort Smith, AR-OK | 1 | $ 235,000 | $ 235,000 | $ 1,088,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 515,000 | $ 515,000 | $ 135,000 |
| Lake Charles, LA | 1 | $ 205,000 | $ 205,000 | $ 406,000 |
| Lansing-East Lansing, MI | 1 | $ 235,000 | $ 235,000 | $ 145,000 |
| Laredo, TX | 1 | $ 55,000 | $ 55,000 | $ 124,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 235,000 | $ 235,000 | $ 147,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 15,000 | $ 15,000 | $ 254,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 225,000 | $ 225,000 | $ 131,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 355,000 | $ 355,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 485,000 | $ 485,000 | $ 496,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Salisbury, MD-DE | 1 | $ 1,945,000 | $ 1,945,000 | $ 1,253,000 |
| Santa Fe, NM | 1 | $ 365,000 | $ 365,000 | $ 200,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 1,365,000 | $ 1,365,000 | $ 0 |
| Texarkana, TX-AR | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Valdosta, GA | 1 | $ 335,000 | $ 335,000 | $ 140,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 515,000 | $ 515,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for Prosperity Bank in 2020
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 | 6,297 | $2,669,615,000 | $423,000 | $74,305,000 | $179,000 | $4,821,000 |
| Refinancing | 3,468 | $1,220,800,000 | $352,000 | $22,595,000 | $232,000 | $8,299,000 |
| Home Improvement | 652 | $75,470,000 | $115,000 | $2,615,000 | $162,000 | $3,270,000 |
| Other Purpose | 329 | $47,665,000 | $144,000 | $2,005,000 | $169,000 | $3,239,000 |
| Cash-out Refinancing | 301 | $87,675,000 | $291,000 | $1,225,000 | $146,000 | $865,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 5,872 | $2,014,490,000 | $343,000 | $5,625,000 | $224,000 | $8,299,000 |
| Hispanic | 2,184 | $439,750,000 | $201,000 | $4,525,000 | $99,000 | $3,270,000 |
| Not Provided | 1,391 | $459,115,000 | $330,000 | $6,005,000 | $209,000 | $7,235,000 |
| Not applicable | 864 | $925,980,000 | $1,071,000 | $74,305,000 | $0 | $0 |
| Asian | 357 | $156,615,000 | $438,000 | $4,805,000 | $250,000 | $2,081,000 |
| Black or African American | 324 | $85,030,000 | $262,000 | $5,005,000 | $132,000 | $4,821,000 |
| American Indian or Alaskan Native | 33 | $11,915,000 | $361,000 | $4,505,000 | $305,000 | $3,239,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $2,045,000 | $409,000 | $1,505,000 | $581,000 | $2,386,000 |
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) | 10,849 | $4,056,605,000 | $373,000 | $74,305,000 | $196,000 | $8,299,000 |
| FHA-insured (Federal Housing Administration) | 129 | $25,765,000 | $199,000 | $415,000 | $81,000 | $391,000 |
| VA-guaranteed (Veterans Administration) | 68 | $18,650,000 | $274,000 | $575,000 | $108,000 | $431,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $205,000 | $205,000 | $205,000 | $46,000 | $46,000 |
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 | 7,179 | $2,509,335,000 | $349,000 | $74,305,000 | $198,000 | $7,680,000 |
| Application Withdrawn By Applicant | 1,773 | $781,365,000 | $440,000 | $48,255,000 | $211,000 | $4,280,000 |
| Application Denied By Financial Institution | 1,551 | $539,775,000 | $348,000 | $52,505,000 | $134,000 | $8,299,000 |
| Application Approved But Not Accepted | 353 | $167,875,000 | $475,000 | $48,005,000 | $228,000 | $3,239,000 |
| File Closed For Incompleteness | 186 | $98,390,000 | $528,000 | $10,005,000 | $275,000 | $4,821,000 |
| Loan Purchased By The Institution | 5 | $4,485,000 | $897,000 | $1,865,000 | $323,000 | $551,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 9,496 | $3,561,450,000 | $375,000 | $74,305,000 | $204,000 | $7,680,000 |
| Debt-To-Income Ratio | 725 | $291,535,000 | $402,000 | $28,755,000 | $85,000 | $1,051,000 |
| Credit History | 480 | $89,010,000 | $185,000 | $4,105,000 | $146,000 | $3,600,000 |
| Collateral | 144 | $92,590,000 | $642,000 | $52,505,000 | $257,000 | $8,299,000 |
| Credit Application Incomplete | 113 | $41,145,000 | $364,000 | $2,005,000 | $224,000 | $1,729,000 |
| Other | 70 | $21,660,000 | $309,000 | $2,615,000 | $165,000 | $1,588,000 |
| Employment History | 7 | $1,855,000 | $265,000 | $715,000 | $157,000 | $480,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $995,000 | $142,000 | $215,000 | $61,000 | $117,000 |
| Unverifiable Information | 5 | $985,000 | $197,000 | $425,000 | $91,000 | $138,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Prosperity Bank's 2020 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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