Frost Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Frost Bank 2015 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 Bank 100 West Houston St San Antonio, TX 78205 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 4,693 |
| Total Mortgage Loan Application Amount | $394,865,000 |
| Average Mortgage Loan Application Amount | $107,666 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $157,000 |
| Highest Applicant Income | $2,548,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Frost 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 Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Frost 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 Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Frost 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 Bank's mortgage activity for 2015.
| 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 | 988 | $ 51,909,000 | $ 52,000 | $ 85,000 |
| Harris County Texas | 549 | $ 51,300,000 | $ 93,000 | $ 141,000 |
| Travis County Texas | 488 | $ 72,771,000 | $ 149,000 | $ 214,000 |
| Tarrant County Texas | 429 | $ 38,355,000 | $ 89,000 | $ 158,000 |
| Dallas County Texas | 342 | $ 48,967,000 | $ 143,000 | $ 190,000 |
| Collin County Texas | 271 | $ 21,018,000 | $ 77,000 | $ 186,000 |
| Hidalgo County Texas | 250 | $ 8,674,000 | $ 34,000 | $ 54,000 |
| Nueces County Texas | 172 | $ 9,551,000 | $ 55,000 | $ 73,000 |
| Denton County Texas | 166 | $ 16,855,000 | $ 101,000 | $ 205,000 |
| Fort Bend County Texas | 135 | $ 10,789,000 | $ 79,000 | $ 153,000 |
| Williamson County Texas | 121 | $ 8,821,000 | $ 72,000 | $ 154,000 |
| Hays County Texas | 85 | $ 7,614,000 | $ 89,000 | $ 129,000 |
| Cameron County Texas | 71 | $ 2,256,000 | $ 31,000 | $ 48,000 |
| Montgomery County Texas | 61 | $ 5,148,000 | $ 84,000 | $ 194,000 |
| Galveston County Texas | 60 | $ 5,324,000 | $ 88,000 | $ 114,000 |
| Comal County Texas | 57 | $ 5,409,000 | $ 94,000 | $ 144,000 |
| Kendall County Texas | 39 | $ 3,403,000 | $ 87,000 | $ 166,000 |
| Ector County Texas | 36 | $ 1,080,000 | $ 30,000 | $ 73,000 |
| Brazoria County Texas | 34 | $ 1,341,000 | $ 39,000 | $ 112,000 |
| Guadalupe County Texas | 27 | $ 1,273,000 | $ 47,000 | $ 83,000 |
| Rockwall County Texas | 26 | $ 1,771,000 | $ 68,000 | $ 164,000 |
| Johnson County Texas | 25 | $ 1,064,000 | $ 42,000 | $ 129,000 |
| Midland County Texas | 23 | $ 1,640,000 | $ 71,000 | $ 232,000 |
| San Patricio County Texas | 20 | $ 1,033,000 | $ 51,000 | $ 71,000 |
| Parker County Texas | 17 | $ 1,684,000 | $ 99,000 | $ 163,000 |
| Wilson County Texas | 15 | $ 1,036,000 | $ 69,000 | $ 119,000 |
| Willacy County Texas | 14 | $ 267,000 | $ 19,000 | $ 38,000 |
| Atascosa County Texas | 11 | $ 594,000 | $ 54,000 | $ 49,000 |
| Medina County Texas | 10 | $ 284,000 | $ 28,000 | $ 80,000 |
| Kaufman County Texas | 9 | $ 669,000 | $ 74,000 | $ 143,000 |
| Llano County Texas | 8 | $ 614,000 | $ 76,000 | $ 153,000 |
| Bandera County Texas | 7 | $ 152,000 | $ 21,000 | $ 91,000 |
| Bastrop County Texas | 7 | $ 380,000 | $ 54,000 | $ 102,000 |
| Caldwell County Texas | 7 | $ 355,000 | $ 50,000 | $ 63,000 |
| Ellis County Texas | 7 | $ 343,000 | $ 49,000 | $ 145,000 |
| Bell County Texas | 6 | $ 437,000 | $ 72,000 | $ 146,000 |
| Burnet County Texas | 6 | $ 399,000 | $ 66,000 | $ 143,000 |
| Grayson County Texas | 6 | $ 399,000 | $ 66,000 | $ 338,000 |
| Wise County Texas | 6 | $ 452,000 | $ 75,000 | $ 96,000 |
| Blanco County Texas | 5 | $ 241,000 | $ 48,000 | $ 113,000 |
| Aransas County Texas | 4 | $ 732,000 | $ 183,000 | $ 108,000 |
| Austin County Texas | 4 | $ 122,000 | $ 30,000 | $ 151,000 |
| Starr County Texas | 4 | $ 98,000 | $ 24,000 | $ 88,000 |
| Bee County Texas | 3 | $ 407,000 | $ 135,000 | $ 93,000 |
| Hood County Texas | 3 | $ 157,000 | $ 52,000 | $ 126,000 |
| Hunt County Texas | 3 | $ 91,000 | $ 30,000 | $ 100,000 |
| Karnes County Texas | 3 | $ 174,000 | $ 58,000 | $ 119,000 |
| Matagorda County Texas | 3 | $ 237,000 | $ 79,000 | $ 157,000 |
| Victoria County Texas | 3 | $ 887,000 | $ 295,000 | $ 238,000 |
| Chambers County Texas | 2 | $ 377,000 | $ 188,000 | $ 211,000 |
| Colorado County Texas | 2 | $ 63,000 | $ 31,000 | $ 99,000 |
| Gonzales County Texas | 2 | $ 171,000 | $ 85,000 | $ 316,000 |
| Jim Wells County Texas | 2 | $ 98,000 | $ 49,000 | $ 75,000 |
| La Salle County Texas | 2 | $ 30,000 | $ 15,000 | $ 63,000 |
| Lavaca County Texas | 2 | $ 51,000 | $ 25,000 | $ 108,000 |
| Liberty County Texas | 2 | $ 58,000 | $ 29,000 | $ 38,000 |
| Palo Pinto County Texas | 2 | $ 93,000 | $ 46,000 | $ 107,000 |
| Refugio County Texas | 2 | $ 20,000 | $ 10,000 | $ 0 |
| San Jacinto County Texas | 2 | $ 36,000 | $ 18,000 | $ 35,000 |
| Uvalde County Texas | 2 | $ 185,000 | $ 92,000 | $ 102,000 |
| Walker County Texas | 2 | $ 137,000 | $ 68,000 | $ 229,000 |
| Pitkin County Colorado | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 40,000 | $ 40,000 | $ 70,000 |
| Dona Ana County New Mexico | 1 | $ 2,000 | $ 2,000 | $ 41,000 |
| Andrews County Texas | 1 | $ 2,000 | $ 2,000 | $ 24,000 |
| Brazos County Texas | 1 | $ 98,000 | $ 98,000 | $ 121,000 |
| El Paso County Texas | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Fannin County Texas | 1 | $ 174,000 | $ 174,000 | $ 119,000 |
| Fayette County Texas | 1 | $ 30,000 | $ 30,000 | $ 50,000 |
| Gaines County Texas | 1 | $ 40,000 | $ 40,000 | $ 140,000 |
| Henderson County Texas | 1 | $ 5,000 | $ 5,000 | $ 53,000 |
| Hopkins County Texas | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Kerr County Texas | 1 | $ 160,000 | $ 160,000 | $ 150,000 |
| Kleberg County Texas | 1 | $ 2,000 | $ 2,000 | $ 44,000 |
| Lampasas County Texas | 1 | $ 3,000 | $ 3,000 | $ 42,000 |
| McLennan County Texas | 1 | $ 45,000 | $ 45,000 | $ 208,000 |
| Montague County Texas | 1 | $ 9,000 | $ 9,000 | $ 38,000 |
| Polk County Texas | 1 | $ 70,000 | $ 70,000 | $ 52,000 |
| Red River County Texas | 1 | $ 20,000 | $ 20,000 | $ 43,000 |
| Runnels County Texas | 1 | $ 10,000 | $ 10,000 | $ 42,000 |
| Smith County Texas | 1 | $ 20,000 | $ 20,000 | $ 54,000 |
| Tom Green County Texas | 1 | $ 51,000 | $ 51,000 | $ 334,000 |
| Upton County Texas | 1 | $ 40,000 | $ 40,000 | $ 150,000 |
| Waller County Texas | 1 | $ 58,000 | $ 58,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Frost Bank in 2015
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 | 3,269 | $210,996,000 | $64,000 | $10,000,000 | $118,000 | $2,548,000 |
| Home Purchase | 862 | $108,304,000 | $125,000 | $4,000,000 | $205,000 | $1,789,000 |
| Refinancing | 562 | $75,565,000 | $134,000 | $2,763,000 | $148,000 | $2,343,000 |
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 | 2,583 | $267,587,000 | $103,000 | $2,763,000 | $179,000 | $2,548,000 |
| Hispanic | 1,212 | $62,899,000 | $51,000 | $10,000,000 | $73,000 | $821,000 |
| Not Provided | 518 | $31,998,000 | $61,000 | $650,000 | $98,000 | $1,403,000 |
| Black or African American | 194 | $8,549,000 | $44,000 | $316,000 | $88,000 | $450,000 |
| Asian | 139 | $11,979,000 | $86,000 | $332,000 | $171,000 | $669,000 |
| Not applicable | 22 | $10,538,000 | $479,000 | $4,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 20 | $953,000 | $47,000 | $150,000 | $78,000 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $362,000 | $72,000 | $240,000 | $142,000 | $408,000 |
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) | 4,693 | $394,865,000 | $84,000 | $10,000,000 | $137,000 | $2,548,000 |
| 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 | 2,277 | $154,032,000 | $67,000 | $10,000,000 | $104,000 | $2,548,000 |
| Loan Originated | 2,182 | $216,795,000 | $99,000 | $4,000,000 | $168,000 | $1,789,000 |
| Application Approved But Not Accepted | 228 | $23,466,000 | $102,000 | $825,000 | $180,000 | $1,481,000 |
| Application Withdrawn By Applicant | 6 | $572,000 | $95,000 | $371,000 | $43,000 | $156,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 1,403 | $62,403,000 | $44,000 | $10,000,000 | $78,000 | $2,235,000 |
| Debt-To-Income Ratio | 390 | $35,643,000 | $91,000 | $2,560,000 | $79,000 | $365,000 |
| Credit Application Incomplete | 277 | $35,396,000 | $127,000 | $2,430,000 | $210,000 | $2,548,000 |
| Other | 108 | $9,627,000 | $89,000 | $984,000 | $192,000 | $2,343,000 |
| Collateral | 67 | $7,054,000 | $105,000 | $500,000 | $200,000 | $1,219,000 |
| Employment History | 25 | $3,362,000 | $134,000 | $374,000 | $142,000 | $594,000 |
| Unverifiable Information | 7 | $547,000 | $78,000 | $175,000 | $140,000 | $259,000 |
| 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 Bank's 2015 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 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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with aggregated HMDA statistics today.