Applications / Mortgage Analytics / Lenders / Texas / Prosperity Bank
El Campo, TX · State non-member bank · FDIC · $38.5 billion assets · 2,415 loans in 2025
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2,415
loans originated, 2025
4,923
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Prosperity Bank is a Texas lender of larger loans, with 13.5% of its loans jumbo against 2.4% at similar banks, and its share rose in Houston, Austin and College Station-Bryan in 2025.
Similar lenders are state non-member banks making between half and twice as many loans. 13.5% of its loans were jumbo (larger than the conforming limit), higher than nearly all of them, and it lent $1.12 billion against their $623.0 million. Purchases made up 69.8% of its loans.
In Houston-Pasadena-The Woodlands, where it has lent since before 1990, it ranked 25 of 929 lenders with 0.9%, up from 0.8%. Its share rose to 0.6% from 0.5% in Austin-Round Rock-San Marcos and to 1.8% from 1.5% in College Station-Bryan.
24.2% of its loans were in LMI (low- and moderate-income) areas against 15.6%, and 39.1% in majority-minority areas against 9.1%, higher than about nine in ten similar lenders in both. LMI borrowers took 23.5% against 28.3%, lower than about three-quarters; its jumbo lending may draw higher-income borrowers.
Originations fell 1% to 2,415 while those of similar lenders rose 13%, lower growth than more than nine in ten of them. The amount it lent rose to $1.12 billion from $1.08 billion as its typical loan rose to $235,000 from $225,000, which may reflect larger loans rather than less lending.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Prosperity Bank took 4,923 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.8% · Refinance 13.9% · Home improvement 10.3% · Other 6.0%
Conventional 94.8% · FHA 4.6% · VA 0.5% · USDA (RHS or FSA) 0.1% · of 2,415 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 2,220 | 91.9% |
| Oklahoma | 174 | 7.2% |
| New Mexico | 6 | 0.2% |
| Florida | 4 | 0.2% |
| Colorado | 2 | 0.1% |
| Connecticut | 2 | 0.1% |
| Georgia | 2 | 0.1% |
| Kansas | 2 | 0.1% |
| Louisiana | 1 | 0.0% |
| Missouri | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 534 |
| Dallas-Plano-Irving | 340 |
| Fort Worth-Arlington-Grapevine | 131 |
| Austin-Round Rock-San Marcos | 129 |
| Lubbock | 118 |
| Oklahoma City | 88 |
| College Station-Bryan | 84 |
| Corpus Christi | 84 |
| Amarillo | 82 |
| Tulsa | 72 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D003QRZFSQ4N43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 664756 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316835 | 1990–2012 |
| Respondent ID (the HMDA filer code before 2018) | 9664756 | 2013–2017 |
Established 13 September 1949. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Prosperity Bank's data.
Prosperity Bank's data
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Prosperity Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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