Frost Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Frost Bank 2023 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 | 18,731 |
| Total Mortgage Loan Application Amount | $2,566,915,000 |
| Average Mortgage Loan Application Amount | $194,250 |
| Highest Mortgage Loan Application Amount | $8,005,000 |
| Average Applicant Income | $207,250 |
| Highest Applicant Income | $8,101,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris County Texas | 2,674 | $ 298,920,000 | $ 111,000 | $ 166,000 |
| Bexar County Texas | 2,119 | $ 203,495,000 | $ 96,000 | $ 136,000 |
| Tarrant County Texas | 1,882 | $ 239,280,000 | $ 127,000 | $ 171,000 |
| Dallas County Texas | 1,779 | $ 326,175,000 | $ 183,000 | $ 224,000 |
| Collin County Texas | 1,419 | $ 213,855,000 | $ 150,000 | $ 222,000 |
| Travis County Texas | 1,303 | $ 346,365,000 | $ 265,000 | $ 281,000 |
| Denton County Texas | 1,247 | $ 189,495,000 | $ 151,000 | $ 223,000 |
| Fort Bend County Texas | 681 | $ 82,985,000 | $ 121,000 | $ 191,000 |
| Montgomery County Texas | 616 | $ 73,000,000 | $ 118,000 | $ 203,000 |
| Williamson County Texas | 458 | $ 59,710,000 | $ 130,000 | $ 183,000 |
| Hidalgo County Texas | 369 | $ 25,265,000 | $ 68,000 | $ 107,000 |
| Galveston County Texas | 290 | $ 32,510,000 | $ 112,000 | $ 185,000 |
| Hays County Texas | 288 | $ 52,820,000 | $ 183,000 | $ 207,000 |
| Comal County Texas | 279 | $ 38,145,000 | $ 136,000 | $ 176,000 |
| Nueces County Texas | 279 | $ 24,345,000 | $ 87,000 | $ 138,000 |
| Brazoria County Texas | 248 | $ 22,520,000 | $ 90,000 | $ 157,000 |
| Rockwall County Texas | 213 | $ 33,235,000 | $ 156,000 | $ 227,000 |
| Ellis County Texas | 211 | $ 23,175,000 | $ 109,000 | $ 159,000 |
| Cameron County Texas | 183 | $ 10,925,000 | $ 59,000 | $ 93,000 |
| Parker County Texas | 149 | $ 19,985,000 | $ 134,000 | $ 198,000 |
| Guadalupe County Texas | 131 | $ 12,065,000 | $ 92,000 | $ 135,000 |
| Midland County Texas | 128 | $ 16,840,000 | $ 131,000 | $ 169,000 |
| Johnson County Texas | 119 | $ 12,425,000 | $ 104,000 | $ 136,000 |
| Kaufman County Texas | 105 | $ 11,005,000 | $ 104,000 | $ 132,000 |
| Ector County Texas | 99 | $ 8,115,000 | $ 81,000 | $ 119,000 |
| Kendall County Texas | 98 | $ 21,610,000 | $ 220,000 | $ 228,000 |
| Grayson County Texas | 61 | $ 6,655,000 | $ 109,000 | $ 156,000 |
| Waller County Texas | 59 | $ 8,945,000 | $ 151,000 | $ 232,000 |
| Bell County Texas | 58 | $ 5,010,000 | $ 86,000 | $ 136,000 |
| Hunt County Texas | 54 | $ 5,580,000 | $ 103,000 | $ 153,000 |
| Brazos County Texas | 51 | $ 3,995,000 | $ 78,000 | $ 125,000 |
| Wise County Texas | 48 | $ 6,100,000 | $ 127,000 | $ 173,000 |
| Bastrop County Texas | 42 | $ 4,920,000 | $ 117,000 | $ 126,000 |
| Burnet County Texas | 39 | $ 8,265,000 | $ 211,000 | $ 231,000 |
| Medina County Texas | 39 | $ 3,965,000 | $ 101,000 | $ 149,000 |
| Wilson County Texas | 38 | $ 3,680,000 | $ 96,000 | $ 163,000 |
| Hood County Texas | 36 | $ 4,360,000 | $ 121,000 | $ 136,000 |
| Victoria County Texas | 36 | $ 2,850,000 | $ 79,000 | $ 123,000 |
| San Patricio County Texas | 35 | $ 2,255,000 | $ 64,000 | $ 124,000 |
| Chambers County Texas | 31 | $ 2,605,000 | $ 84,000 | $ 159,000 |
| El Paso County Texas | 22 | $ 1,550,000 | $ 70,000 | $ 166,000 |
| Henderson County Texas | 22 | $ 3,890,000 | $ 176,000 | $ 161,000 |
| Liberty County Texas | 22 | $ 1,800,000 | $ 81,000 | $ 137,000 |
| Bandera County Texas | 21 | $ 3,725,000 | $ 177,000 | $ 162,000 |
| McLennan County Texas | 20 | $ 2,000,000 | $ 100,000 | $ 128,000 |
| Caldwell County Texas | 19 | $ 2,385,000 | $ 125,000 | $ 124,000 |
| Jefferson County Texas | 18 | $ 1,170,000 | $ 65,000 | $ 137,000 |
| Atascosa County Texas | 17 | $ 6,065,000 | $ 356,000 | $ 152,000 |
| Lubbock County Texas | 16 | $ 830,000 | $ 51,000 | $ 137,000 |
| Smith County Texas | 16 | $ 1,830,000 | $ 114,000 | $ 204,000 |
| Coryell County Texas | 13 | $ 1,035,000 | $ 79,000 | $ 105,000 |
| Navarro County Texas | 13 | $ 2,045,000 | $ 157,000 | $ 177,000 |
| Van Zandt County Texas | 13 | $ 1,015,000 | $ 78,000 | $ 123,000 |
| Gillespie County Texas | 12 | $ 2,890,000 | $ 240,000 | $ 184,000 |
| Hill County Texas | 12 | $ 770,000 | $ 64,000 | $ 105,000 |
| Cooke County Texas | 11 | $ 1,975,000 | $ 179,000 | $ 250,000 |
| Grimes County Texas | 11 | $ 1,595,000 | $ 145,000 | $ 133,000 |
| Walker County Texas | 11 | $ 605,000 | $ 55,000 | $ 85,000 |
| Aransas County Texas | 10 | $ 780,000 | $ 78,000 | $ 158,000 |
| Blanco County Texas | 10 | $ 1,860,000 | $ 186,000 | $ 189,000 |
| Palo Pinto County Texas | 10 | $ 2,650,000 | $ 265,000 | $ 285,000 |
| Wharton County Texas | 10 | $ 1,370,000 | $ 137,000 | $ 115,000 |
| Willacy County Texas | 10 | $ 460,000 | $ 46,000 | $ 69,000 |
| Hopkins County Texas | 9 | $ 765,000 | $ 85,000 | $ 151,000 |
| Polk County Texas | 9 | $ 875,000 | $ 97,000 | $ 130,000 |
| Colorado County Texas | 8 | $ 730,000 | $ 91,000 | $ 100,000 |
| Lamar County Texas | 8 | $ 830,000 | $ 103,000 | $ 135,000 |
| Llano County Texas | 8 | $ 1,620,000 | $ 202,000 | $ 285,000 |
| Montague County Texas | 8 | $ 810,000 | $ 101,000 | $ 119,000 |
| Webb County Texas | 8 | $ 880,000 | $ 110,000 | $ 147,000 |
| Anderson County Texas | 7 | $ 715,000 | $ 102,000 | $ 147,000 |
| Fannin County Texas | 7 | $ 795,000 | $ 113,000 | $ 153,000 |
| Fayette County Texas | 7 | $ 1,955,000 | $ 279,000 | $ 166,000 |
| Taylor County Texas | 7 | $ 255,000 | $ 36,000 | $ 110,000 |
| Washington County Texas | 7 | $ 1,275,000 | $ 182,000 | $ 283,000 |
| Austin County Texas | 6 | $ 1,140,000 | $ 190,000 | $ 241,000 |
| Bee County Texas | 6 | $ 710,000 | $ 118,000 | $ 71,000 |
| Erath County Texas | 6 | $ 560,000 | $ 93,000 | $ 293,000 |
| Gregg County Texas | 6 | $ 250,000 | $ 41,000 | $ 57,000 |
| Karnes County Texas | 6 | $ 1,000,000 | $ 166,000 | $ 111,000 |
| Kerr County Texas | 6 | $ 1,270,000 | $ 211,000 | $ 250,000 |
| Lavaca County Texas | 6 | $ 360,000 | $ 60,000 | $ 137,000 |
| Angelina County Texas | 5 | $ 225,000 | $ 45,000 | $ 160,000 |
| DeWitt County Texas | 5 | $ 125,000 | $ 25,000 | $ 104,000 |
| Frio County Texas | 5 | $ 515,000 | $ 103,000 | $ 113,000 |
| Hardin County Texas | 5 | $ 905,000 | $ 181,000 | $ 101,000 |
| Milam County Texas | 5 | $ 1,315,000 | $ 263,000 | $ 178,000 |
| Nacogdoches County Texas | 5 | $ 95,000 | $ 19,000 | $ 53,000 |
| Rusk County Texas | 5 | $ 195,000 | $ 39,000 | $ 54,000 |
| Tom Green County Texas | 5 | $ 185,000 | $ 37,000 | $ 133,000 |
| Burleson County Texas | 4 | $ 320,000 | $ 80,000 | $ 112,000 |
| Calhoun County Texas | 4 | $ 120,000 | $ 30,000 | $ 116,000 |
| Goliad County Texas | 4 | $ 620,000 | $ 155,000 | $ 152,000 |
| Howard County Texas | 4 | $ 260,000 | $ 65,000 | $ 181,000 |
| Lee County Texas | 4 | $ 460,000 | $ 115,000 | $ 86,000 |
| Leon County Texas | 4 | $ 800,000 | $ 200,000 | $ 221,000 |
| Robertson County Texas | 4 | $ 540,000 | $ 135,000 | $ 60,000 |
| Wichita County Texas | 4 | $ 260,000 | $ 65,000 | $ 179,000 |
| Wood County Texas | 4 | $ 370,000 | $ 92,000 | $ 130,000 |
| Bowie County Texas | 3 | $ 455,000 | $ 151,000 | $ 151,000 |
| Cherokee County Texas | 3 | $ 115,000 | $ 38,000 | $ 71,000 |
| Jasper County Texas | 3 | $ 135,000 | $ 45,000 | $ 94,000 |
| Jim Wells County Texas | 3 | $ 225,000 | $ 75,000 | $ 135,000 |
| Kleberg County Texas | 3 | $ 115,000 | $ 38,000 | $ 141,000 |
| Live Oak County Texas | 3 | $ 565,000 | $ 188,000 | $ 88,000 |
| Maverick County Texas | 3 | $ 235,000 | $ 78,000 | $ 52,000 |
| Orange County Texas | 3 | $ 45,000 | $ 15,000 | $ 133,000 |
| San Jacinto County Texas | 3 | $ 145,000 | $ 48,000 | $ 85,000 |
| Starr County Texas | 3 | $ 15,000 | $ 5,000 | $ 56,000 |
| Val Verde County Texas | 3 | $ 115,000 | $ 38,000 | $ 57,000 |
| Walton County Florida | 2 | $ 3,010,000 | $ 1,505,000 | $ 0 |
| Orleans County Louisiana | 2 | $ 1,410,000 | $ 705,000 | $ 0 |
| Andrews County Texas | 2 | $ 60,000 | $ 30,000 | $ 139,000 |
| Bosque County Texas | 2 | $ 60,000 | $ 30,000 | $ 142,000 |
| Camp County Texas | 2 | $ 80,000 | $ 40,000 | $ 121,000 |
| Deaf Smith County Texas | 2 | $ 50,000 | $ 25,000 | $ 76,000 |
| Delta County Texas | 2 | $ 130,000 | $ 65,000 | $ 83,000 |
| Gonzales County Texas | 2 | $ 200,000 | $ 100,000 | $ 100,000 |
| Hamilton County Texas | 2 | $ 80,000 | $ 40,000 | $ 70,000 |
| Jack County Texas | 2 | $ 520,000 | $ 260,000 | $ 184,000 |
| Jackson County Texas | 2 | $ 100,000 | $ 50,000 | $ 94,000 |
| La Salle County Texas | 2 | $ 40,000 | $ 20,000 | $ 29,000 |
| Lampasas County Texas | 2 | $ 250,000 | $ 125,000 | $ 138,000 |
| Marion County Texas | 2 | $ 70,000 | $ 35,000 | $ 60,000 |
| Martin County Texas | 2 | $ 250,000 | $ 125,000 | $ 151,000 |
| Matagorda County Texas | 2 | $ 80,000 | $ 40,000 | $ 95,000 |
| Nolan County Texas | 2 | $ 70,000 | $ 35,000 | $ 104,000 |
| Rains County Texas | 2 | $ 70,000 | $ 35,000 | $ 130,000 |
| Randall County Texas | 2 | $ 160,000 | $ 80,000 | $ 91,000 |
| Red River County Texas | 2 | $ 160,000 | $ 80,000 | $ 91,000 |
| Refugio County Texas | 2 | $ 70,000 | $ 35,000 | $ 155,000 |
| Scurry County Texas | 2 | $ 80,000 | $ 40,000 | $ 101,000 |
| Titus County Texas | 2 | $ 160,000 | $ 80,000 | $ 73,000 |
| Trinity County Texas | 2 | $ 110,000 | $ 55,000 | $ 175,000 |
| Upshur County Texas | 2 | $ 180,000 | $ 90,000 | $ 69,000 |
| Uvalde County Texas | 2 | $ 310,000 | $ 155,000 | $ 59,000 |
| Ward County Texas | 2 | $ 260,000 | $ 130,000 | $ 202,000 |
| Wilbarger County Texas | 2 | $ 60,000 | $ 30,000 | $ 118,000 |
| Winkler County Texas | 2 | $ 250,000 | $ 125,000 | $ 67,000 |
| Briscoe County Texas | 1 | $ 15,000 | $ 15,000 | $ 92,000 |
| Brown County Texas | 1 | $ 25,000 | $ 25,000 | $ 162,000 |
| Callahan County Texas | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Cass County Texas | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Comanche County Texas | 1 | $ 75,000 | $ 75,000 | $ 179,000 |
| Concho County Texas | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Crane County Texas | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Falls County Texas | 1 | $ 165,000 | $ 165,000 | $ 224,000 |
| Freestone County Texas | 1 | $ 85,000 | $ 85,000 | $ 208,000 |
| Hale County Texas | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Harrison County Texas | 1 | $ 15,000 | $ 15,000 | $ 65,000 |
| Hockley County Texas | 1 | $ 45,000 | $ 45,000 | $ 127,000 |
| Hutchinson County Texas | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| Limestone County Texas | 1 | $ 5,000 | $ 5,000 | $ 25,000 |
| Mitchell County Texas | 1 | $ 5,000 | $ 5,000 | $ 75,000 |
| Morris County Texas | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Ochiltree County Texas | 1 | $ 5,000 | $ 5,000 | $ 106,000 |
| Panola County Texas | 1 | $ 5,000 | $ 5,000 | $ 31,000 |
| Potter County Texas | 1 | $ 5,000 | $ 5,000 | $ 80,000 |
| Presidio County Texas | 1 | $ 55,000 | $ 55,000 | $ 516,000 |
| Reeves County Texas | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Runnels County Texas | 1 | $ 5,000 | $ 5,000 | $ 8,000 |
| San Augustine County Texas | 1 | $ 55,000 | $ 55,000 | $ 200,000 |
| San Saba County Texas | 1 | $ 55,000 | $ 55,000 | $ 14,000 |
| Sherman County Texas | 1 | $ 15,000 | $ 15,000 | $ 94,000 |
| Somervell County Texas | 1 | $ 35,000 | $ 35,000 | $ 183,000 |
| Upton County Texas | 1 | $ 85,000 | $ 85,000 | $ 190,000 |
| Young County Texas | 1 | $ 85,000 | $ 85,000 | $ 261,000 |
Mortgage Loan Application Detail Totals for Frost Bank in 2023
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 8,712 | $982,100,000 | $112,000 | $8,005,000 | $163,000 | $8,101,000 |
| Home Improvement | 7,732 | $964,100,000 | $124,000 | $5,005,000 | $194,000 | $4,867,000 |
| Home Purchase | 1,532 | $416,400,000 | $271,000 | $3,005,000 | $250,000 | $4,600,000 |
| Refinancing | 755 | $204,315,000 | $270,000 | $4,215,000 | $222,000 | $1,854,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $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 | 9,851 | $1,584,715,000 | $160,000 | $8,005,000 | $211,000 | $8,101,000 |
| Hispanic | 4,163 | $377,555,000 | $90,000 | $3,005,000 | $130,000 | $3,254,000 |
| Not Provided | 1,757 | $259,485,000 | $147,000 | $2,205,000 | $198,000 | $3,150,000 |
| Black or African American | 1,668 | $133,340,000 | $79,000 | $1,605,000 | $140,000 | $4,505,000 |
| Asian | 582 | $94,670,000 | $162,000 | $1,685,000 | $208,000 | $4,394,000 |
| American Indian or Alaskan Native | 203 | $28,245,000 | $139,000 | $3,265,000 | $158,000 | $2,030,000 |
| Not applicable | 22 | $11,490,000 | $522,000 | $2,505,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 18 | $2,480,000 | $137,000 | $405,000 | $118,000 | $349,000 |
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) | 18,731 | $2,566,915,000 | $137,000 | $8,005,000 | $185,000 | $8,101,000 |
| 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 | 9,212 | $1,184,400,000 | $128,000 | $6,605,000 | $160,000 | $5,400,000 |
| Loan Originated | 6,853 | $1,125,855,000 | $164,000 | $4,895,000 | $229,000 | $8,101,000 |
| Application Withdrawn By Applicant | 1,347 | $116,765,000 | $86,000 | $8,005,000 | $157,000 | $4,600,000 |
| File Closed For Incompleteness | 703 | $25,245,000 | $35,000 | $605,000 | $102,000 | $1,324,000 |
| Application Approved But Not Accepted | 529 | $88,585,000 | $167,000 | $1,705,000 | $243,000 | $6,894,000 |
| Preapproval Approved but not Accepted | 45 | $14,375,000 | $319,000 | $995,000 | $131,000 | $485,000 |
| Preapproval Denied by Financial Institution | 42 | $11,690,000 | $278,000 | $1,275,000 | $94,000 | $353,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 9,477 | $1,370,825,000 | $144,000 | $8,005,000 | $209,000 | $8,101,000 |
| Debt-To-Income Ratio | 3,012 | $489,490,000 | $162,000 | $5,005,000 | $114,000 | $1,419,000 |
| Credit Application Incomplete | 2,731 | $263,365,000 | $96,000 | $5,005,000 | $168,000 | $3,844,000 |
| Credit History | 1,756 | $170,880,000 | $97,000 | $4,215,000 | $167,000 | $4,100,000 |
| Other | 992 | $141,260,000 | $142,000 | $3,505,000 | $210,000 | $4,505,000 |
| Collateral | 396 | $73,950,000 | $186,000 | $6,605,000 | $224,000 | $2,030,000 |
| Unverifiable Information | 302 | $46,520,000 | $154,000 | $1,505,000 | $249,000 | $4,560,000 |
| Employment History | 64 | $10,370,000 | $162,000 | $4,005,000 | $237,000 | $5,400,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $255,000 | $255,000 | $255,000 | $60,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Frost Bank's 2023 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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