Frost National Bank Mortgage Lending & HMDA Data, 2003
In 2003, Frost National Bank of San Antonio, TX reported 2,382 mortgage applications totaling $121.5 million. The average application was for $51,018, and applicants reported an average income of $85,097. 55% of its applications resulted in an originated loan and 34% were denied. Its largest markets were San Antonio, TX (876), Houston, TX (315) and Austin-San Marcos, TX (314) (applications in parentheses).
| 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 | 2,382 |
| Total Mortgage Loan Application Amount | $121,526,000 |
| Average Mortgage Loan Application Amount | $51,018 |
| Highest Mortgage Loan Application Amount | $1,470,000 |
| Average Applicant Income | $85,097 |
| Highest Applicant Income | $9,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Frost National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Antonio, TX | 876 | $ 34,554,000 | $ 39,445 | $ 59,000 |
| Houston, TX | 315 | $ 20,201,000 | $ 64,130 | $ 87,000 |
| Austin-San Marcos, TX | 314 | $ 21,088,000 | $ 67,159 | $ 81,000 |
| Corpus Christi, TX | 273 | $ 11,292,000 | $ 41,362 | $ 68,000 |
| Fort Worth-Arlington, TX | 247 | $ 10,956,000 | $ 44,356 | $ 91,000 |
| Galveston-Texas City, TX | 87 | $ 4,358,000 | $ 50,091 | $ 52,000 |
| McAllen-Edinburg-Mission, TX | 76 | $ 3,479,000 | $ 45,776 | $ 98,000 |
| Dallas, TX | 38 | $ 5,662,000 | $ 149,000 | $ 242,000 |
| Brazoria, TX | 34 | $ 2,502,000 | $ 73,588 | $ 59,000 |
| Brownsville-Harlingen-San Benito, TX | 24 | $ 671,000 | $ 27,958 | $ 98,000 |
| San Diego, CA | 3 | $ 1,882,000 | $ 627,333 | $ 0 |
| Boston, MA-NH | 1 | $ 795,000 | $ 795,000 | $ 0 |
| Bryan-College Station, TX | 1 | $ 64,000 | $ 64,000 | $ 42,000 |
| Honolulu, HI | 1 | $ 15,000 | $ 15,000 | $ 67,000 |
| Tyler, TX | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Victoria, TX | 1 | $ 7,000 | $ 7,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Frost National Bank in 2003
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 (one-to-four family) | 1,833 | $68,102,000 | $26,000 | $800,000 | $77,500 | $9,000,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 475 | $38,196,000 | $80,000 | $780,000 | $74,000 | $1,000,000 |
| Home Purchase (one-to-four family) | 70 | $12,396,000 | $523,000 | $1,470,000 | $31,666 | $558,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 4 | $2,832,000 | $708,000 | $1,350,000 | $0 | $0 |
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 | 1,308 | $78,710,000 | $37,500 | $1,000,000 | $88,500 | $9,000,000 |
| Hispanic | 835 | $24,168,000 | $28,000 | $503,000 | $55,000 | $960,000 |
| Black | 115 | $3,543,000 | $30,000 | $300,000 | $58,000 | $447,000 |
| Information not provided by applicant in mail or telephone application | 53 | $1,972,000 | $37,000 | $249,000 | $61,000 | $509,000 |
| Not applicable | 30 | $9,776,000 | $565,000 | $1,470,000 | $0 | $0 |
| Asian or Pacific Islander | 23 | $2,226,000 | $96,000 | $780,000 | $87,000 | $540,000 |
| Other | 10 | $603,000 | $60,000 | $240,000 | $188,000 | $789,000 |
| American Indian or Alaskan Native | 8 | $528,000 | $66,000 | $115,000 | $162,000 | $558,000 |
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) | 2,382 | $121,526,000 | $371,500 | $1,470,000 | $37,750 | $9,000,000 |
| 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 | 1,310 | $82,742,000 | $494,333 | $1,470,000 | $30,000 | $1,829,000 |
| Application Denied By Financial Institution | 805 | $24,793,000 | $22,500 | $780,000 | $66,000 | $1,310,000 |
| Application Approved But Not Accepted | 150 | $7,229,000 | $48,000 | $300,000 | $80,000 | $1,829,000 |
| Application Withdrawn By Applicant | 116 | $6,466,000 | $55,000 | $800,000 | $152,000 | $9,000,000 |
| Loan Purchased By The Institution | 1 | $296,000 | $296,000 | $296,000 | $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 | 492 | $12,707,000 | $25,000 | $780,000 | $53,000 | $528,000 |
| Debt-To-Income Ratio | 209 | $6,742,000 | $32,000 | $500,000 | $41,000 | $207,000 |
| Credit Application Incomplete | 63 | $3,781,000 | $37,500 | $431,000 | $85,000 | $540,000 |
| Other | 23 | $484,000 | $21,000 | $85,000 | $51,000 | $190,000 |
| Collateral | 15 | $962,000 | $64,000 | $496,000 | $184,000 | $1,310,000 |
| Unverifiable Information | 2 | $37,000 | $18,000 | $35,000 | $83,000 | $149,000 |
| Employment History | 1 | $80,000 | $80,000 | $80,000 | $26,000 | $26,000 |
| 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 2003 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About