Frost National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Frost National Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Frost National Bank 100 W. Houston T-5 San Antonio, TX 78205 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,718 |
| Total Mortgage Loan Application Amount | $190,544,000 |
| Average Mortgage Loan Application Amount | $65,000 |
| Highest Mortgage Loan Application Amount | $1,282,000 |
| Average Applicant Income | $96,666 |
| Highest Applicant Income | $1,320,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Frost National Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Frost National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Frost National Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Frost National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Frost National Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Frost National Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bexar County Texas | 1,247 | $ 53,240,000 | $ 42,000 | $ 85,000 |
| Harris County Texas | 381 | $ 18,935,000 | $ 49,000 | $ 82,000 |
| Tarrant County Texas | 316 | $ 21,189,000 | $ 67,000 | $ 75,000 |
| Nueces County Texas | 308 | $ 13,298,000 | $ 43,000 | $ 70,000 |
| Travis County Texas | 222 | $ 17,940,000 | $ 80,000 | $ 132,000 |
| Dallas County Texas | 134 | $ 9,411,000 | $ 70,000 | $ 146,000 |
| Hays County Texas | 115 | $ 6,714,000 | $ 58,000 | $ 56,000 |
| Fort Bend County Texas | 104 | $ 4,982,000 | $ 47,000 | $ 85,000 |
| Hidalgo County Texas | 89 | $ 4,980,000 | $ 55,000 | $ 81,000 |
| Galveston County Texas | 88 | $ 5,460,000 | $ 62,000 | $ 87,000 |
| Comal County Texas | 83 | $ 5,636,000 | $ 67,000 | $ 88,000 |
| Guadalupe County Texas | 63 | $ 2,489,000 | $ 39,000 | $ 78,000 |
| San Patricio County Texas | 57 | $ 3,139,000 | $ 55,000 | $ 77,000 |
| Brazoria County Texas | 56 | $ 2,616,000 | $ 46,000 | $ 60,000 |
| Kendall County Texas | 42 | $ 2,064,000 | $ 49,000 | $ 88,000 |
| Williamson County Texas | 40 | $ 1,960,000 | $ 49,000 | $ 73,000 |
| Cameron County Texas | 37 | $ 1,379,000 | $ 37,000 | $ 58,000 |
| Collin County Texas | 30 | $ 1,391,000 | $ 46,000 | $ 121,000 |
| Denton County Texas | 30 | $ 1,554,000 | $ 51,000 | $ 117,000 |
| Parker County Texas | 27 | $ 894,000 | $ 33,000 | $ 93,000 |
| Johnson County Texas | 18 | $ 580,000 | $ 32,000 | $ 72,000 |
| Bandera County Texas | 17 | $ 888,000 | $ 52,000 | $ 112,000 |
| Montgomery County Texas | 16 | $ 1,231,000 | $ 76,000 | $ 141,000 |
| Caldwell County Texas | 15 | $ 684,000 | $ 45,000 | $ 52,000 |
| Aransas County Texas | 13 | $ 750,000 | $ 57,000 | $ 85,000 |
| Atascosa County Texas | 12 | $ 215,000 | $ 17,000 | $ 52,000 |
| Wilson County Texas | 11 | $ 265,000 | $ 24,000 | $ 69,000 |
| Bastrop County Texas | 10 | $ 718,000 | $ 71,000 | $ 63,000 |
| Rockwall County Texas | 10 | $ 404,000 | $ 40,000 | $ 146,000 |
| Ellis County Texas | 9 | $ 431,000 | $ 47,000 | $ 103,000 |
| Medina County Texas | 9 | $ 689,000 | $ 76,000 | $ 91,000 |
| Wise County Texas | 9 | $ 250,000 | $ 27,000 | $ 86,000 |
| Kaufman County Texas | 5 | $ 155,000 | $ 31,000 | $ 63,000 |
| Kerr County Texas | 5 | $ 562,000 | $ 112,000 | $ 100,000 |
| Bell County Texas | 4 | $ 55,000 | $ 13,000 | $ 47,000 |
| Grayson County Texas | 4 | $ 142,000 | $ 35,000 | $ 98,000 |
| Karnes County Texas | 4 | $ 221,000 | $ 55,000 | $ 49,000 |
| Live Oak County Texas | 4 | $ 44,000 | $ 11,000 | $ 25,000 |
| Montague County Texas | 4 | $ 73,000 | $ 18,000 | $ 49,000 |
| Victoria County Texas | 4 | $ 71,000 | $ 17,000 | $ 55,000 |
| Frio County Texas | 3 | $ 52,000 | $ 17,000 | $ 57,000 |
| Kleberg County Texas | 3 | $ 133,000 | $ 44,000 | $ 20,000 |
| McLennan County Texas | 3 | $ 47,000 | $ 15,000 | $ 36,000 |
| Bee County Texas | 2 | $ 117,000 | $ 58,000 | $ 157,000 |
| Brazos County Texas | 2 | $ 55,000 | $ 27,000 | $ 104,000 |
| Chambers County Texas | 2 | $ 40,000 | $ 20,000 | $ 58,000 |
| DeWitt County Texas | 2 | $ 62,000 | $ 31,000 | $ 61,000 |
| Duval County Texas | 2 | $ 38,000 | $ 19,000 | $ 15,000 |
| Erath County Texas | 2 | $ 28,000 | $ 14,000 | $ 68,000 |
| Jim Wells County Texas | 2 | $ 85,000 | $ 42,000 | $ 223,000 |
| La Salle County Texas | 2 | $ 20,000 | $ 10,000 | $ 144,000 |
| Lee County Texas | 2 | $ 102,000 | $ 51,000 | $ 69,000 |
| Llano County Texas | 2 | $ 83,000 | $ 41,000 | $ 155,000 |
| Palo Pinto County Texas | 2 | $ 260,000 | $ 130,000 | $ 12,000 |
| Rusk County Texas | 2 | $ 132,000 | $ 66,000 | $ 84,000 |
| Waller County Texas | 2 | $ 28,000 | $ 14,000 | $ 110,000 |
| Washington County Texas | 2 | $ 37,000 | $ 18,000 | $ 19,000 |
| Wichita County Texas | 2 | $ 39,000 | $ 19,000 | $ 124,000 |
| Blanco County Texas | 1 | $ 660,000 | $ 660,000 | $ 156,000 |
| Brooks County Texas | 1 | $ 41,000 | $ 41,000 | $ 276,000 |
| Burnet County Texas | 1 | $ 3,000 | $ 3,000 | $ 54,000 |
| Calhoun County Texas | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Cherokee County Texas | 1 | $ 11,000 | $ 11,000 | $ 39,000 |
| Cooke County Texas | 1 | $ 15,000 | $ 15,000 | $ 49,000 |
| Coryell County Texas | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| El Paso County Texas | 1 | $ 63,000 | $ 63,000 | $ 110,000 |
| Falls County Texas | 1 | $ 12,000 | $ 12,000 | $ 93,000 |
| Freestone County Texas | 1 | $ 4,000 | $ 4,000 | $ 43,000 |
| Gillespie County Texas | 1 | $ 132,000 | $ 132,000 | $ 26,000 |
| Harrison County Texas | 1 | $ 12,000 | $ 12,000 | $ 26,000 |
| Hopkins County Texas | 1 | $ 17,000 | $ 17,000 | $ 38,000 |
| Hunt County Texas | 1 | $ 64,000 | $ 64,000 | $ 55,000 |
| Jack County Texas | 1 | $ 55,000 | $ 55,000 | $ 996,000 |
| Jackson County Texas | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Jefferson County Texas | 1 | $ 6,000 | $ 6,000 | $ 37,000 |
| Lubbock County Texas | 1 | $ 19,000 | $ 19,000 | $ 74,000 |
| Matagorda County Texas | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Navarro County Texas | 1 | $ 12,000 | $ 12,000 | $ 61,000 |
| Refugio County Texas | 1 | $ 5,000 | $ 5,000 | $ 70,000 |
| San Jacinto County Texas | 1 | $ 44,000 | $ 44,000 | $ 11,000 |
| Smith County Texas | 1 | $ 12,000 | $ 12,000 | $ 47,000 |
| Trinity County Texas | 1 | $ 17,000 | $ 17,000 | $ 24,000 |
| Uvalde County Texas | 1 | $ 10,000 | $ 10,000 | $ 31,000 |
| Wharton County Texas | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Willacy County Texas | 1 | $ 100,000 | $ 100,000 | $ 0 |
Mortgage Loan Application Detail Totals for Frost National Bank in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 2,421 | $89,620,000 | $37,000 | $1,282,000 | $77,000 | $1,320,000 |
| Refinancing | 1,044 | $80,405,000 | $77,000 | $960,000 | $82,000 | $1,194,000 |
| Home Purchase | 253 | $20,519,000 | $81,000 | $660,000 | $131,000 | $996,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,054 | $121,951,000 | $59,000 | $1,282,000 | $102,000 | $1,320,000 |
| Hispanic | 1,314 | $46,984,000 | $35,000 | $320,000 | $72,000 | $1,036,000 |
| Black or African American | 163 | $5,910,000 | $36,000 | $300,000 | $63,000 | $300,000 |
| Not Provided | 94 | $5,926,000 | $63,000 | $660,000 | $70,000 | $623,000 |
| Asian | 47 | $3,471,000 | $73,000 | $920,000 | $112,000 | $1,000,000 |
| Not applicable | 26 | $4,605,000 | $177,000 | $640,000 | $14,000 | $200,000 |
| American Indian or Alaskan Native | 19 | $1,687,000 | $88,000 | $960,000 | $104,000 | $387,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $10,000 | $10,000 | $10,000 | $252,000 | $252,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,718 | $190,544,000 | $51,000 | $1,282,000 | $87,000 | $1,320,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,962 | $119,965,000 | $61,000 | $1,282,000 | $95,000 | $1,194,000 |
| Application Denied By Financial Institution | 1,267 | $43,586,000 | $34,000 | $451,000 | $70,000 | $1,320,000 |
| Application Withdrawn By Applicant | 364 | $22,574,000 | $62,000 | $920,000 | $110,000 | $1,000,000 |
| Application Approved But Not Accepted | 123 | $3,589,000 | $29,000 | $232,000 | $88,000 | $580,000 |
| Loan Purchased By The Institution | 2 | $830,000 | $415,000 | $750,000 | $471,000 | $943,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 806 | $25,880,000 | $32,000 | $451,000 | $63,000 | $700,000 |
| Debt-To-Income Ratio | 320 | $10,892,000 | $34,000 | $250,000 | $45,000 | $217,000 |
| Other | 47 | $2,001,000 | $42,000 | $150,000 | $111,000 | $1,320,000 |
| Credit Application Incomplete | 46 | $3,004,000 | $65,000 | $219,000 | $113,000 | $840,000 |
| Collateral | 27 | $1,125,000 | $41,000 | $148,000 | $125,000 | $500,000 |
| Employment History | 12 | $506,000 | $42,000 | $95,000 | $55,000 | $146,000 |
| Unverifiable Information | 4 | $81,000 | $20,000 | $30,000 | $98,000 | $178,000 |
| Mortgage Insurance Denied | 4 | $90,000 | $22,000 | $44,000 | $32,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $7,000 | $7,000 | $7,000 | $55,000 | $55,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Frost National Bank's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Frost National Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.