Prosperity Bank mortgage approval rate & lending review
Prosperity Bank decided 9,675 mortgage applications and funded 6,963 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Prosperity Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Prosperity Bank at a glance
Approval is 7.0 points below the 83.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 80% | 4,485 / 5,574 | 97% | $265K | 4,349 |
| Home improvement loans | 46% | 385 / 840 | 93% | $115K | 359 |
| Cash-out refinance | 42% | 85 / 204 | 82% | $205K | 70 |
| Refinance | 54% | 465 / 857 | 93% | $215K | 432 |
| Investment property purchase | 89% | 1,543 / 1,727 | 91% | $205K | 1,402 |
| Investment refinance | 82% | 231 / 282 | 91% | $105K | 211 |
| Investment home improvement | 87% | 161 / 185 | 86% | $105K | 139 |
Prosperity Bank lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Prosperity Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Mortgage lenders | 80% | 1,312 | 1,016 |
| Dallas County, TX | Mortgage lenders | 90% | 766 | 667 |
| Tarrant County, TX | Mortgage lenders | 86% | 483 | 406 |
| Travis County, TX | Mortgage lenders | 73% | 329 | 226 |
| Harris County, TX | Investment property purchase | 85% | 293 | 224 |
| Lubbock County, TX | Mortgage lenders | 83% | 245 | 202 |
| Denton County, TX | Mortgage lenders | 87% | 184 | 155 |
| Montgomery County, TX | Mortgage lenders | 71% | 215 | 149 |
| Fort Bend County, TX | Mortgage lenders | 78% | 161 | 122 |
| Oklahoma County, OK | Mortgage lenders | 84% | 140 | 113 |
| Lubbock County, TX | Investment property purchase | 98% | 113 | 105 |
| Nueces County, TX | Investment property purchase | 89% | 124 | 97 |
The county markets where Prosperity Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Prosperity Bank
What is Prosperity Bank's mortgage approval rate?
Prosperity Bank approved 76.0% of the 9,675 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.0 points below the 83.0% national rate for the same mix of loan types.
How often do borrowers take the loan Prosperity Bank offers?
Borrowers accepted 95% of the loans Prosperity Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Prosperity Bank make?
The typical home purchase mortgage loan Prosperity Bank made was $265K; across all loan types its typical loan ran from $105K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Prosperity Bank lend?
Prosperity Bank decided applications in 19 of the states Fat Boy Data covers, most of them in Texas, Oklahoma and Florida.
Can I apply to Prosperity Bank directly?
Yes. Prosperity Bank is a bank or credit union with 400 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Prosperity Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Prosperity Bank treats applications, then get a rate quote from the lender.