We analyzed every closed loan from Prosperity Bank — 1.4k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 13 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Prosperity Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+57.8 bps above market avg
3/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
1,165 loans · 0.63% above market
Strong
Top 40% of lenders
4/5
FHA
78 loans · 0.58% above market
Sound
Top 60% of lenders
3/5
Jumbo
198 loans · 0.01% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,276 loans · 0.63% above market
Strong
Top 40% of lenders
4/5
Refinance
173 loans · 0.26% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 14 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,165 | 80.4% | +0.633%Above | $1,017Fees | ||||
FHA Loans | 78 | 5.4% | +0.585%Above | $76Fees | ||||
Jumbo Loans | 198 | 13.7% | +0.015%Above | $1,472Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,165
Mix80.4%
Spread
+0.633%Above
Fees
$1,017Fees
FHA Loans
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume78
Mix5.4%
Spread
+0.585%Above
Fees
$76Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume198
Mix13.7%
Spread
+0.015%Above
Fees
$1,472Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,276 | 88.1% | +0.630%Above | $988Fees | ||||
Refinance | 173 | 11.9% | +0.260%Above | $1,033Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume1,276
Mix88.1%
Spread
+0.630%Above
Fees
$988Fees
Refinance
OverallAcceptable
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume173
Mix11.9%
Spread
+0.260%Above
Fees
$1,033Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,449
Applications
3,081
Volume
$613 million
Pricing & Closing
Avg Rate Spread
+0.578%
vs. market APOR
Avg Net Fees
$995
Origination − Credits
Pullthrough Rate
47.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$423,123
Avg Borrower Income
$267,513
Avg Property Value
$606,187
Geographic Coverage
Geographic Performance
Metro Areas
13
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
12Full-year 2024 · HMDALoans originated
< 100100+None
Northeast1
ME
Midwest1
KS
South6
ARFLKYLAOKTX
West4
AZCOIDNM
Top Metro Areas by Place Specialization Score
4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 106Mix 7.32% of portfolio
70/100
Strong
Showing 10 of 13 metro areas
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.