Frost National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Frost National Bank 2009 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 | 4,032 |
| Total Mortgage Loan Application Amount | $245,466,000 |
| Average Mortgage Loan Application Amount | $78,333 |
| Highest Mortgage Loan Application Amount | $6,200,000 |
| Average Applicant Income | $143,333 |
| Highest Applicant Income | $9,980,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 762 | $ 29,805,000 | $ 39,000 | $ 80,000 |
| Harris County Texas | 569 | $ 37,443,000 | $ 65,000 | $ 127,000 |
| Tarrant County Texas | 412 | $ 22,468,000 | $ 54,000 | $ 141,000 |
| Travis County Texas | 308 | $ 35,628,000 | $ 115,000 | $ 175,000 |
| Dallas County Texas | 251 | $ 20,574,000 | $ 81,000 | $ 188,000 |
| Hidalgo County Texas | 212 | $ 7,179,000 | $ 33,000 | $ 69,000 |
| Collin County Texas | 197 | $ 9,712,000 | $ 49,000 | $ 151,000 |
| Nueces County Texas | 169 | $ 9,553,000 | $ 56,000 | $ 79,000 |
| Denton County Texas | 145 | $ 7,980,000 | $ 55,000 | $ 158,000 |
| Fort Bend County Texas | 119 | $ 6,422,000 | $ 53,000 | $ 138,000 |
| Galveston County Texas | 88 | $ 4,747,000 | $ 53,000 | $ 101,000 |
| Comal County Texas | 70 | $ 5,114,000 | $ 73,000 | $ 113,000 |
| Hays County Texas | 64 | $ 4,749,000 | $ 74,000 | $ 101,000 |
| Williamson County Texas | 63 | $ 3,148,000 | $ 49,000 | $ 129,000 |
| Brazoria County Texas | 62 | $ 2,358,000 | $ 38,000 | $ 93,000 |
| Montgomery County Texas | 60 | $ 4,153,000 | $ 69,000 | $ 216,000 |
| Cameron County Texas | 54 | $ 1,857,000 | $ 34,000 | $ 59,000 |
| Kendall County Texas | 41 | $ 10,089,000 | $ 246,000 | $ 165,000 |
| Guadalupe County Texas | 36 | $ 1,538,000 | $ 42,000 | $ 80,000 |
| San Patricio County Texas | 29 | $ 667,000 | $ 23,000 | $ 63,000 |
| Parker County Texas | 28 | $ 3,027,000 | $ 108,000 | $ 127,000 |
| Willacy County Texas | 28 | $ 423,000 | $ 15,000 | $ 35,000 |
| Johnson County Texas | 25 | $ 920,000 | $ 36,000 | $ 142,000 |
| Rockwall County Texas | 23 | $ 883,000 | $ 38,000 | $ 135,000 |
| Wilson County Texas | 15 | $ 330,000 | $ 22,000 | $ 96,000 |
| Ellis County Texas | 14 | $ 694,000 | $ 49,000 | $ 121,000 |
| Atascosa County Texas | 12 | $ 557,000 | $ 46,000 | $ 62,000 |
| Wise County Texas | 11 | $ 866,000 | $ 78,000 | $ 97,000 |
| Victoria County Texas | 9 | $ 290,000 | $ 32,000 | $ 191,000 |
| Bandera County Texas | 8 | $ 433,000 | $ 54,000 | $ 78,000 |
| Bell County Texas | 8 | $ 222,000 | $ 27,000 | $ 86,000 |
| Kaufman County Texas | 8 | $ 235,000 | $ 29,000 | $ 110,000 |
| Caldwell County Texas | 7 | $ 450,000 | $ 64,000 | $ 112,000 |
| Hood County Texas | 7 | $ 329,000 | $ 47,000 | $ 114,000 |
| Refugio County Texas | 7 | $ 741,000 | $ 105,000 | $ 60,000 |
| Aransas County Texas | 6 | $ 425,000 | $ 70,000 | $ 99,000 |
| Bastrop County Texas | 4 | $ 115,000 | $ 28,000 | $ 68,000 |
| DeWitt County Texas | 4 | $ 107,000 | $ 26,000 | $ 72,000 |
| Gillespie County Texas | 4 | $ 489,000 | $ 122,000 | $ 119,000 |
| Jackson County Texas | 4 | $ 125,000 | $ 31,000 | $ 127,000 |
| Liberty County Texas | 4 | $ 134,000 | $ 33,000 | $ 122,000 |
| Blanco County Texas | 3 | $ 117,000 | $ 39,000 | $ 62,000 |
| Brazos County Texas | 3 | $ 307,000 | $ 102,000 | $ 27,000 |
| Cooke County Texas | 3 | $ 201,000 | $ 67,000 | $ 137,000 |
| Duval County Texas | 3 | $ 30,000 | $ 10,000 | $ 23,000 |
| Grayson County Texas | 3 | $ 90,000 | $ 30,000 | $ 90,000 |
| Orange County Texas | 3 | $ 87,000 | $ 29,000 | $ 93,000 |
| Starr County Texas | 3 | $ 87,000 | $ 29,000 | $ 35,000 |
| Waller County Texas | 3 | $ 64,000 | $ 21,000 | $ 113,000 |
| Washington County Texas | 3 | $ 156,000 | $ 52,000 | $ 89,000 |
| DuPage County Illinois | 2 | $ 68,000 | $ 34,000 | $ 131,000 |
| Austin County Texas | 2 | $ 118,000 | $ 59,000 | $ 333,000 |
| Burnet County Texas | 2 | $ 62,000 | $ 31,000 | $ 97,000 |
| Coryell County Texas | 2 | $ 70,000 | $ 35,000 | $ 146,000 |
| Hunt County Texas | 2 | $ 26,000 | $ 13,000 | $ 81,000 |
| Jefferson County Texas | 2 | $ 91,000 | $ 45,000 | $ 59,000 |
| Jim Wells County Texas | 2 | $ 48,000 | $ 24,000 | $ 80,000 |
| Kerr County Texas | 2 | $ 85,000 | $ 42,000 | $ 110,000 |
| Kleberg County Texas | 2 | $ 43,000 | $ 21,000 | $ 76,000 |
| La Salle County Texas | 2 | $ 89,000 | $ 44,000 | $ 21,000 |
| McLennan County Texas | 2 | $ 80,000 | $ 40,000 | $ 84,000 |
| Medina County Texas | 2 | $ 142,000 | $ 71,000 | $ 87,000 |
| Uvalde County Texas | 2 | $ 42,000 | $ 21,000 | $ 69,000 |
| Walker County Texas | 2 | $ 86,000 | $ 43,000 | $ 292,000 |
| Napa County California | 1 | $ 2,320,000 | $ 2,320,000 | $ 3,695,000 |
| Orleans County Louisiana | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Clark County Nevada | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Hillsborough County New Hampshire | 1 | $ 6,000 | $ 6,000 | $ 0 |
| New York County New York | 1 | $ 1,924,000 | $ 1,924,000 | $ 0 |
| Bosque County Texas | 1 | $ 24,000 | $ 24,000 | $ 52,000 |
| Calhoun County Texas | 1 | $ 30,000 | $ 30,000 | $ 210,000 |
| Erath County Texas | 1 | $ 26,000 | $ 26,000 | $ 120,000 |
| Fayette County Texas | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Grimes County Texas | 1 | $ 120,000 | $ 120,000 | $ 149,000 |
| Henderson County Texas | 1 | $ 140,000 | $ 140,000 | $ 181,000 |
| Kinney County Texas | 1 | $ 39,000 | $ 39,000 | $ 39,000 |
| Lee County Texas | 1 | $ 86,000 | $ 86,000 | $ 124,000 |
| Live Oak County Texas | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Llano County Texas | 1 | $ 150,000 | $ 150,000 | $ 254,000 |
| Midland County Texas | 1 | $ 14,000 | $ 14,000 | $ 90,000 |
| Montague County Texas | 1 | $ 19,000 | $ 19,000 | $ 89,000 |
| Nacogdoches County Texas | 1 | $ 10,000 | $ 10,000 | $ 104,000 |
| Polk County Texas | 1 | $ 100,000 | $ 100,000 | $ 180,000 |
| Smith County Texas | 1 | $ 48,000 | $ 48,000 | $ 105,000 |
| Somervell County Texas | 1 | $ 60,000 | $ 60,000 | $ 120,000 |
| Sutton County Texas | 1 | $ 64,000 | $ 64,000 | $ 60,000 |
| Taylor County Texas | 1 | $ 13,000 | $ 13,000 | $ 86,000 |
| Titus County Texas | 1 | $ 10,000 | $ 10,000 | $ 112,000 |
| Val Verde County Texas | 1 | $ 3,000 | $ 3,000 | $ 0 |
| Van Zandt County Texas | 1 | $ 32,000 | $ 32,000 | $ 142,000 |
| Wharton County Texas | 1 | $ 41,000 | $ 41,000 | $ 113,000 |
| Zavala County Texas | 1 | $ 1,000 | $ 1,000 | $ 36,000 |
| Fairfax County Virginia | 1 | $ 148,000 | $ 148,000 | $ 165,000 |
| Pierce County Washington | 1 | $ 25,000 | $ 25,000 | $ 0 |
Mortgage Loan Application Detail Totals for Frost National Bank in 2009
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 | 2,734 | $125,277,000 | $45,000 | $1,277,000 | $106,000 | $1,552,000 |
| Refinancing | 807 | $67,400,000 | $83,000 | $1,924,000 | $134,000 | $3,817,000 |
| Home Purchase | 491 | $52,789,000 | $107,000 | $6,200,000 | $190,000 | $9,980,000 |
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 | 2,523 | $172,320,000 | $68,000 | $2,320,000 | $148,000 | $9,980,000 |
| Hispanic | 1,000 | $34,093,000 | $34,000 | $800,000 | $65,000 | $1,237,000 |
| Not Provided | 273 | $13,460,000 | $49,000 | $400,000 | $102,000 | $535,000 |
| Black or African American | 127 | $4,751,000 | $37,000 | $588,000 | $126,000 | $3,817,000 |
| Asian | 54 | $3,395,000 | $62,000 | $211,000 | $119,000 | $400,000 |
| Not applicable | 42 | $16,898,000 | $402,000 | $6,200,000 | $0 | $0 |
| American Indian or Alaskan Native | 12 | $518,000 | $43,000 | $100,000 | $123,000 | $305,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $31,000 | $31,000 | $31,000 | $56,000 | $56,000 |
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) | 4,032 | $245,466,000 | $60,000 | $6,200,000 | $122,000 | $9,980,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 1,935 | $88,332,000 | $45,000 | $800,000 | $94,000 | $2,450,000 |
| Loan Originated | 1,847 | $138,913,000 | $75,000 | $6,200,000 | $148,000 | $9,980,000 |
| Application Approved But Not Accepted | 226 | $14,208,000 | $62,000 | $800,000 | $125,000 | $480,000 |
| Application Withdrawn By Applicant | 22 | $1,504,000 | $68,000 | $684,000 | $148,000 | $589,000 |
| Loan Purchased By The Institution | 2 | $2,509,000 | $1,254,000 | $2,320,000 | $1,896,000 | $3,695,000 |
| 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 | 1,180 | $41,585,000 | $35,000 | $800,000 | $81,000 | $2,450,000 |
| Debt-To-Income Ratio | 373 | $18,138,000 | $48,000 | $400,000 | $76,000 | $357,000 |
| Credit Application Incomplete | 159 | $12,830,000 | $80,000 | $717,000 | $164,000 | $1,132,000 |
| Other | 111 | $8,076,000 | $72,000 | $460,000 | $145,000 | $450,000 |
| Collateral | 53 | $4,225,000 | $79,000 | $562,000 | $165,000 | $1,053,000 |
| Employment History | 47 | $2,519,000 | $53,000 | $400,000 | $105,000 | $737,000 |
| Unverifiable Information | 12 | $959,000 | $79,000 | $350,000 | $142,000 | $535,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Frost National Bank's 2009 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.
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