Prosperity Bank

Reviews

• AM

  Amanda Moore

  Jan 3, 2026
  1.0
  The service of this bank has really went down. I have been banking with them for years. When the town was small, the lady I worked with would always approve my laon application for whatever amount I applied for. The ladies that work in the branch offices are always pleasant. But when it comes to getting a loan the so called underwriting, in my opinion there is only two groups that are being approved foreigners and hispanics. My credit score was above the requirement. I explained to them before the loan was asked of my situation with Rocket Mortgage which had caused a negative impact on my mortgage payment history. Yet, I get a call for a 3rd party verification of a two year payment history just to be denied. I was told a lie about my properties. I was told since they was connected I couldn't get a loan on the empty lot. Texas laws when in fact: Yes, you likely can get a loan on your non-primary residence property in Texas, but you'll need to work with lenders offering specific options like land loans, investment property loans, or portfolio loans, as Texas homestead laws restrict home equity loans to your single main residence, requiring you to designate one property as primary and the other as non-homestead, often through a non-homestead affidavit, notes Amplify Credit Union and Doss Law, PC. Key Considerations & Steps Designate Your Primary Residence: You must legally designate one property as your primary homestead for tax and lending purposes, even if you live in both sometimes, says Rocket Mortgage. Non-Homestead Affidavit: For the property you want to borrow against, you'll sign a sworn statement (non-homestead affidavit) disclaiming homestead rights and claiming them for your other property, allowing lenders to secure loans on the non-primary home, according to Doss Law, PC. Loan Types: Land Loan: If the property is mostly land, a land loan from a bank or credit union is suitable, notes Amplify Credit Union. Investment Property Loan: Lenders offer loans for properties used for income or investment, which have different terms than primary residences. Portfolio Loans/Blanket Loans: Some lenders offer these for multiple properties, potentially bundling them, say QSLWM. Texas Homestead Laws: You can only have one Texas home equity loan or HELOC at a time, and it must be on your primary residence, not a second home or rental. This rule protects your main home's equity. Lender Requirements: Be prepared for stricter requirements on the non-primary property, as lenders view it as a higher risk, notes Capitol Credit Union.
• AD

  Aaron Diek

  Oct 9, 2024
  1.0
  have been a customer for 7 or 8 years. moved my business account because the fees were crazy. if it weren't such a pain to switch I might close my personal account, too. I have on occasion sent packages to Prosperity when they were urgent and needed a signature, as the location of my home provides no opportunity to sign for packages. Today I was told that it wouldn't be possible to do that - rather than take responsibility they blamed it on the mail services, saying they would not deliver my mail to the bank. Obviously management made a poor decision injecting that lie, as I've had several packages delivered there in the past without an issue. Sad!
• PO

  Phillip Owens

  Jul 11, 2022
  5.0
  Shown amazing respect for my small business over the years. Recommend them to anyone needing bank services.
• SY

  Sydney Young

  Aug 11, 2020
  1.0
  The manager Jeff doesn’t know how to solve issues like an adult and feels the need to be extremely rude to customers and renters who rent parts of buildings from the bank. My family and friends will be closing accounts and never going back.
• CG

  Crespin Garza

  Jun 3, 2020
  5.0
  Mom's been going for decades love the friendly service!!

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