Lender in Texas · HMDA 2025
Frost Bank mortgages in Texas
Frost Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Frost Bank originated 984 owner-occupied single-family loans in Texas from 1,426 completed applications.
Its median conventional purchase loan costs were $4,880 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 5.75% (Texas: 6.50%).
Loans in TX
984
of 1,426 applications
Denial rate
16.9%
Purchase · TX 10.2%
Rate spread
−0.67 pts
Conv. · TX +0.09 pts
Loan amount
$295,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 715 | 557 | 16.9% | 5.750% | −0.67 pts | $4,880 | $295,000 |
| Refinance | 711 | 427 | 36.4% | 4.490% | −1.06 pts | $100 | $235,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Frost Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Glasscock County | 3 | 1 | 33.3% |
| Sutton County | 10 | 1 | 6.7% |
| Caldwell County | 13 | 5 | 0.9% |
| Uvalde County | 19 | 2 | 1.7% |
| Calhoun County | 22 | 2 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology