Purchase Originations
1,004
Ranked #378 nationally
Median Total Costs
$4,926
−26.3% vs national ($6,680)
↑ $838 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$1,160
Median Lender Credits
$610
Cost Rank (500+ vol.)
#192
among lenders with 500+ originations
Denial Rate
20.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 879 | 6.500% | $4,327 | $1,160 |
| fha | 111 | 6.250% | $8,157 | $1,160 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,492 | 7.000% | — | 15 | −$1,434 | |
| 2 | $3,638 | 7.125% | — | 103 | −$1,288 | |
| 3 | $3,885 | 6.250% | — | 25 | −$1,041 | |
| 4 | $3,896 | 6.250% | — | 11 | −$1,030 | |
| 5 | $3,918 | 7.000% | — | 15 | −$1,008 | |
| 6 | $3,978 | 6.250% | — | 43 | −$948 | |
| 7 | $4,068 | 6.125% | — | 25 | −$858 | |
| 8 | $4,346 | 6.625% | — | 12 | −$580 | |
| 9 | $4,352 | 6.500% | — | 176 | −$574 | |
| 10 | $4,426 | 6.625% | — | 73 | −$500 | |
| 11 | $4,684 | 6.375% | — | 27 | −$242 | |
| 12 | $5,038 | 6.125% | — | 13 | +$112 | |
| 13 | $5,073 | 6.812% | — | 22 | +$147 | |
| 14 | $6,017 | 6.438% | — | 12 | +$1,091 | |
| 15 | $6,595 | 6.125% | — | 17 | +$1,669 | |
| 16 | $8,444 | 6.250% | — | 24 | +$3,518 | |
| 17 | $8,486 | 6.125% | — | 42 | +$3,560 | |
| 18 | $10,043 | 6.250% | — | 17 | +$5,117 | |
| 19 | $10,574 | 6.125% | — | 33 | +$5,648 | |
| 20 | $11,289 | 6.312% | — | 24 | +$6,363 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Prosperity Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $300,000 | $335,000 | −$35,000 (−10.4%) |
| Median total closing costs | $4,926 | $7,127 | −$2,201 (−30.9%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.