Old name XXXX, new name PROSPERITY BANK ( XXXX, Texas branch ) used its business relationship with XXXX XXXX to abuse its mortgage lender status and increase XXXX XXXX 's flood insurance revenue via by using enabling mortgage origination documents. 
The Prosperity Bank mortgage origination documents are worded to allow the subsequent mortgage purchaser ( XXXX XXXX ) to require additional flood insurance over and above the loan amount even though any money above the loan from that insurance would accrue to the mortgage borrower, not XXXX XXXX. It appears the main purpose of that process to be to increase flood insurance revenue to XXXX XXXX. 
Such a process increases the risk of mortgage default as it increases the monthly mortgage payment cost to the borrower. 
The additional flood insurance was lender-assigned by XXXX XXXX as mortgage gap insurance ( so-called ) from XXXX XXXX subsidiaries which provide flood gap insurance. 
Non-payment of the gap insurance premium which became part of the monthly mortgage payment would be a mortgage default. As my mortgage was being held hostage to the additional XXXX XXXX gap insurance, in effect my choice was either pay the increased mortgage payment or lose the home. 
Prosperity Bank maintains an on-going mortgage origination and mortgage business relationship with XXXX XXXX, and coordinated mortgage documentation as a willing and integral participant to facilitate this process. 
