Prosperity Bank closing costs and rates (2024)
In 2024, Prosperity Bank originated 1,175 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $4,088. That ranks #326 nationally by origination volume. For total closing costs among lenders with 500+ originations, Prosperity Bank ranks #123. That is $2,653 below the national median of $6,741. Prosperity Bank is most active in Texas with 1,099 originations there.
Purchase Originations
1,175
Ranked #326 nationally
Median Total Costs
$4,088
−39.4% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,160
Median Lender Credits
$125
Cost Rank (500+ vol.)
#123
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,087 | 6.750% | $3,866 | $1,160 |
| fha | 80 | 6.625% | $7,279 | $1,159 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,160 | 6.625% | — | 40 | −$928 | |
| 2 | $3,173 | 6.500% | — | 32 | −$915 | |
| 3 | $3,486 | 8.125% | — | 145 | −$602 | |
| 4 | $3,618 | 6.562% | — | 32 | −$470 | |
| 5 | $3,622 | 7.188% | — | 218 | −$466 | |
| 6 | $3,744 | 6.688% | — | 16 | −$344 | |
| 7 | $3,959 | 8.125% | — | 21 | −$129 | |
| 8 | $3,987 | 7.500% | — | 28 | −$101 | |
| 9 | $4,229 | 6.750% | — | 72 | +$141 | |
| 10 | $4,261 | 6.188% | — | 20 | +$173 | |
| 11 | $4,367 | 6.500% | — | 39 | +$279 | |
| 12 | $4,436 | 6.938% | — | 34 | +$348 | |
| 13 | $4,552 | 6.438% | — | 16 | +$464 | |
| 14 | $4,587 | 6.625% | — | 15 | +$499 | |
| 15 | $4,607 | 6.750% | — | 31 | +$519 | |
| 16 | $4,664 | 6.375% | — | 24 | +$576 | |
| 17 | $4,862 | 6.625% | — | 14 | +$774 | |
| 18 | $4,973 | 6.812% | — | 16 | +$885 | |
| 19 | $5,669 | 6.500% | — | 27 | +$1,581 | |
| 20 | $11,073 | 6.875% | — | 13 | +$6,985 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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 2024, 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.