Frost Bank Mortgage Lending & HMDA Data, 2024

In 2024, Frost Bank of San Antonio, TX reported 17,592 mortgage applications totaling $2.8 billion, down 6% from 2023. The average application was for $156,556, and applicants reported an average income of $186,941. 37% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Dallas-Plano-Irving, TX (4,641), Houston-The Woodlands-Sugar Land, TX (4,368) and San Antonio-New Braunfels, TX (2,466) (applications in parentheses).

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 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 17,592
Total Mortgage Loan Application Amount $2,754,150,000
Average Mortgage Loan Application Amount $156,556
Highest Mortgage Loan Application Amount $11,605,000
Average Applicant Income $186,941
Highest Applicant Income $8,644,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Frost Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Frost Bank by County in 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 2,539 $ 376,895,000 $ 148,442 $ 183,000
Bexar, Texas 1,948 $ 252,910,000 $ 129,830 $ 140,000
Tarrant, Texas 1,797 $ 257,445,000 $ 143,263 $ 179,000
Dallas, Texas 1,749 $ 339,555,000 $ 194,142 $ 214,000
Collin, Texas 1,221 $ 227,655,000 $ 186,449 $ 231,000
Denton, Texas 1,101 $ 180,745,000 $ 164,164 $ 224,000
Travis, Texas 1,068 $ 311,960,000 $ 292,097 $ 282,000
Fort Bend, Texas 664 $ 88,170,000 $ 132,786 $ 189,000
Montgomery, Texas 549 $ 79,785,000 $ 145,327 $ 195,000
Williamson, Texas 438 $ 71,700,000 $ 163,698 $ 184,000
Hidalgo, Texas 306 $ 26,720,000 $ 87,320 $ 123,000
Nueces, Texas 258 $ 26,810,000 $ 103,914 $ 120,000
Galveston, Texas 255 $ 29,045,000 $ 113,901 $ 155,000
Comal, Texas 225 $ 35,475,000 $ 157,666 $ 203,000
Brazoria, Texas 221 $ 21,055,000 $ 95,271 $ 189,000
Ellis, Texas 204 $ 23,250,000 $ 113,970 $ 143,000
Parker, Texas 197 $ 28,525,000 $ 144,796 $ 193,000
Hays, Texas 195 $ 34,945,000 $ 179,205 $ 177,000
Rockwall, Texas 189 $ 34,505,000 $ 182,566 $ 207,000
Midland, Texas 179 $ 35,395,000 $ 197,737 $ 176,000
Cameron, Texas 151 $ 12,575,000 $ 83,278 $ 101,000
Guadalupe, Texas 122 $ 14,300,000 $ 117,213 $ 128,000
Johnson, Texas 118 $ 14,650,000 $ 124,152 $ 131,000
Kaufman, Texas 111 $ 12,725,000 $ 114,639 $ 157,000
Grayson, Texas 107 $ 15,305,000 $ 143,037 $ 173,000
Ector, Texas 82 $ 6,190,000 $ 75,487 $ 126,000
Kendall, Texas 77 $ 21,505,000 $ 279,285 $ 212,000
Bastrop, Texas 72 $ 8,880,000 $ 123,333 $ 108,000
Hunt, Texas 66 $ 9,830,000 $ 148,939 $ 146,000
Brazos, Texas 61 $ 7,885,000 $ 129,262 $ 156,000
Waller, Texas 58 $ 6,980,000 $ 120,344 $ 208,000
Bell, Texas 56 $ 5,920,000 $ 105,714 $ 122,000
Wise, Texas 52 $ 6,460,000 $ 124,230 $ 353,000
Victoria, Texas 51 $ 4,145,000 $ 81,274 $ 111,000
San Patricio, Texas 45 $ 4,555,000 $ 101,222 $ 104,000
McLennan, Texas 42 $ 3,040,000 $ 72,380 $ 85,000
Smith, Texas 36 $ 2,690,000 $ 74,722 $ 113,000
Henderson, Texas 32 $ 4,260,000 $ 133,125 $ 133,000
Wilson, Texas 31 $ 3,655,000 $ 117,903 $ 147,000
Burnet, Texas 30 $ 6,340,000 $ 211,333 $ 370,000
Hood, Texas 30 $ 3,690,000 $ 123,000 $ 131,000
Medina, Texas 30 $ 5,250,000 $ 175,000 $ 173,000
Chambers, Texas 29 $ 2,125,000 $ 73,275 $ 300,000
Liberty, Texas 26 $ 2,260,000 $ 86,923 $ 83,000
Lubbock, Texas 26 $ 2,730,000 $ 105,000 $ 107,000
Caldwell, Texas 21 $ 1,975,000 $ 94,047 $ 175,000
Jefferson, Texas 21 $ 885,000 $ 42,142 $ 297,000
Cooke, Texas 19 $ 2,325,000 $ 122,368 $ 140,000
Atascosa, Texas 17 $ 975,000 $ 57,352 $ 76,000
Fannin, Texas 17 $ 2,265,000 $ 133,235 $ 142,000
Hill, Texas 17 $ 1,005,000 $ 59,117 $ 91,000
Bandera, Texas 16 $ 3,180,000 $ 198,750 $ 191,000
Kerr, Texas 16 $ 2,400,000 $ 150,000 $ 374,000
Navarro, Texas 16 $ 2,460,000 $ 153,750 $ 246,000
Aransas, Texas 15 $ 2,985,000 $ 199,000 $ 124,000
Walker, Texas 15 $ 2,535,000 $ 169,000 $ 183,000
Bowie, Texas 14 $ 620,000 $ 44,285 $ 62,000
San Jacinto, Texas 14 $ 1,890,000 $ 135,000 $ 137,000
Van Zandt, Texas 14 $ 1,660,000 $ 118,571 $ 84,000
Wharton, Texas 14 $ 1,010,000 $ 72,142 $ 92,000
Austin, Texas 13 $ 985,000 $ 75,769 $ 132,000
Calhoun, Texas 12 $ 1,560,000 $ 130,000 $ 122,000
El Paso, Texas 12 $ 1,910,000 $ 159,166 $ 187,000
Palo Pinto, Texas 12 $ 2,880,000 $ 240,000 $ 137,000
Coryell, Texas 11 $ 715,000 $ 65,000 $ 59,000
Llano, Texas 11 $ 3,545,000 $ 322,272 $ 262,000
Webb, Texas 11 $ 955,000 $ 86,818 $ 93,000
Grimes, Texas 10 $ 780,000 $ 78,000 $ 121,000
Polk, Texas 10 $ 610,000 $ 61,000 $ 77,000
Potter, Texas 10 $ 210,000 $ 21,000 $ 67,000
Somervell, Texas 10 $ 2,880,000 $ 288,000 $ 154,000
Tom Green, Texas 10 $ 630,000 $ 63,000 $ 113,000
Wichita, Texas 10 $ 240,000 $ 24,000 $ 76,000
Blanco, Texas 9 $ 1,265,000 $ 140,555 $ 197,000
Gregg, Texas 9 $ 265,000 $ 29,444 $ 80,000
Hardin, Texas 9 $ 1,065,000 $ 118,333 $ 144,000
Lamar, Texas 9 $ 555,000 $ 61,666 $ 65,000
Taylor, Texas 9 $ 215,000 $ 23,888 $ 86,000
Colorado, Texas 8 $ 1,080,000 $ 135,000 $ 148,000
Erath, Texas 8 $ 1,800,000 $ 225,000 $ 164,000
Gillespie, Texas 8 $ 1,230,000 $ 153,750 $ 184,000
Washington, Texas 8 $ 1,490,000 $ 186,250 $ 361,000
Willacy, Texas 8 $ 380,000 $ 47,500 $ 91,000
Bee, Texas 7 $ 565,000 $ 80,714 $ 138,000
Fayette, Texas 7 $ 1,205,000 $ 172,142 $ 132,000
Jim Wells, Texas 7 $ 425,000 $ 60,714 $ 105,000
Val Verde, Texas 7 $ 515,000 $ 73,571 $ 89,000
Wood, Texas 7 $ 375,000 $ 53,571 $ 122,000
Anderson, Texas 6 $ 550,000 $ 91,666 $ 56,000
Frio, Texas 6 $ 540,000 $ 90,000 $ 106,000
Harrison, Texas 6 $ 250,000 $ 41,666 $ 75,000
Live Oak, Texas 6 $ 120,000 $ 20,000 $ 67,000
Matagorda, Texas 6 $ 300,000 $ 50,000 $ 81,000
Orange, Texas 6 $ 180,000 $ 30,000 $ 97,000
Cherokee, Texas 5 $ 145,000 $ 29,000 $ 218,000
Falls, Texas 5 $ 1,225,000 $ 245,000 $ 127,000
Houston, Texas 5 $ 485,000 $ 97,000 $ 98,000
Kleberg, Texas 5 $ 235,000 $ 47,000 $ 101,000
Lavaca, Texas 5 $ 925,000 $ 185,000 $ 100,000
Madison, Texas 5 $ 55,000 $ 11,000 $ 85,000
Nacogdoches, Texas 5 $ 225,000 $ 45,000 $ 169,000
Randall, Texas 5 $ 95,000 $ 19,000 $ 80,000
Robertson, Texas 5 $ 195,000 $ 39,000 $ 73,000
Starr, Texas 5 $ 265,000 $ 53,000 $ 331,000
Upshur, Texas 5 $ 165,000 $ 33,000 $ 201,000
Ward, Texas 5 $ 295,000 $ 59,000 $ 93,000
Angelina, Texas 4 $ 110,000 $ 27,500 $ 55,000
Brown, Texas 4 $ 100,000 $ 25,000 $ 61,000
Eastland, Texas 4 $ 170,000 $ 42,500 $ 31,000
Hockley, Texas 4 $ 60,000 $ 15,000 $ 94,000
Jackson, Texas 4 $ 280,000 $ 70,000 $ 71,000
Lampasas, Texas 4 $ 190,000 $ 47,500 $ 83,000
Maverick, Texas 4 $ 140,000 $ 35,000 $ 60,000
Milam, Texas 4 $ 190,000 $ 47,500 $ 72,000
Newton, Texas 4 $ 30,000 $ 7,500 $ 149,000
Rains, Texas 4 $ 850,000 $ 212,500 $ 121,000
Andrews, Texas 3 $ 105,000 $ 35,000 $ 84,000
DeWitt, Texas 3 $ 195,000 $ 65,000 $ 61,000
Gonzales, Texas 3 $ 195,000 $ 65,000 $ 206,000
Hopkins, Texas 3 $ 725,000 $ 241,666 $ 200,000
Hutchinson, Texas 3 $ 15,000 $ 5,000 $ 32,000
Jasper, Texas 3 $ 145,000 $ 48,333 $ 56,000
Jim Hogg, Texas 3 $ 3,015,000 $ 1,005,000 $ 1,254,000
Karnes, Texas 3 $ 935,000 $ 311,666 $ 360,000
Lee, Texas 3 $ 555,000 $ 185,000 $ 141,000
Limestone, Texas 3 $ 135,000 $ 45,000 $ 40,000
McCulloch, Texas 3 $ 275,000 $ 91,666 $ 54,000
Refugio, Texas 3 $ 215,000 $ 71,666 $ 83,000
Shelby, Texas 3 $ 75,000 $ 25,000 $ 65,000
Uvalde, Texas 3 $ 175,000 $ 58,333 $ 114,000
Bosque, Texas 2 $ 310,000 $ 155,000 $ 77,000
Burleson, Texas 2 $ 10,000 $ 5,000 $ 26,000
Camp, Texas 2 $ 110,000 $ 55,000 $ 95,000
Cass, Texas 2 $ 60,000 $ 30,000 $ 63,000
Crane, Texas 2 $ 260,000 $ 130,000 $ 76,000
Gaines, Texas 2 $ 20,000 $ 10,000 $ 67,000
Hale, Texas 2 $ 10,000 $ 5,000 $ 37,000
Howard, Texas 2 $ 60,000 $ 30,000 $ 61,000
Jack, Texas 2 $ 1,090,000 $ 545,000 $ 106,000
Lynn, Texas 2 $ 600,000 $ 300,000 $ 262,000
Montague, Texas 2 $ 250,000 $ 125,000 $ 347,000
Moore, Texas 2 $ 10,000 $ 5,000 $ 35,000
Nolan, Texas 2 $ 30,000 $ 15,000 $ 29,000
Red River, Texas 2 $ 60,000 $ 30,000 $ 32,000
Rusk, Texas 2 $ 140,000 $ 70,000 $ 141,000
Tyler, Texas 2 $ 100,000 $ 50,000 $ 122,000
Winkler, Texas 2 $ 60,000 $ 30,000 $ 65,000
Brewster, Texas 1 $ 405,000 $ 405,000 $ 0
Coleman, Texas 1 $ 5,000 $ 5,000 $ 41,000
Crockett, Texas 1 $ 5,000 $ 5,000 $ 123,000
Delta, Texas 1 $ 5,000 $ 5,000 $ 37,000
Duval, Texas 1 $ 35,000 $ 35,000 $ 67,000
Floyd, Texas 1 $ 5,000 $ 5,000 $ 71,000
Franklin, Texas 1 $ 505,000 $ 505,000 $ 1,419,000
Freestone, Texas 1 $ 105,000 $ 105,000 $ 168,000
Hamilton, Texas 1 $ 15,000 $ 15,000 $ 18,000
Jeff Davis, Texas 1 $ 345,000 $ 345,000 $ 166,000
Kimble, Texas 1 $ 4,705,000 $ 4,705,000 $ 0
Kinney, Texas 1 $ 5,000 $ 5,000 $ 24,000
La Salle, Texas 1 $ 55,000 $ 55,000 $ 35,000
Leon, Texas 1 $ 35,000 $ 35,000 $ 43,000
Martin, Texas 1 $ 5,000 $ 5,000 $ 10,000
McMullen, Texas 1 $ 75,000 $ 75,000 $ 89,000
Panola, Texas 1 $ 5,000 $ 5,000 $ 14,000
Pecos, Texas 1 $ 15,000 $ 15,000 $ 98,000
Presidio, Texas 1 $ 195,000 $ 195,000 $ 26,000
Reagan, Texas 1 $ 155,000 $ 155,000 $ 275,000
Reeves, Texas 1 $ 25,000 $ 25,000 $ 45,000
Runnels, Texas 1 $ 5,000 $ 5,000 $ 67,000
Scurry, Texas 1 $ 5,000 $ 5,000 $ 104,000
Stephens, Texas 1 $ 115,000 $ 115,000 $ 53,000
Terry, Texas 1 $ 5,000 $ 5,000 $ 74,000
Titus, Texas 1 $ 5,000 $ 5,000 $ 74,000
Trinity, Texas 1 $ 5,000 $ 5,000 $ 27,000
Zavala, Texas 1 $ 5,000 $ 5,000 $ 51,000

Mortgage Loan Application Detail Totals for Frost Bank in 2024

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 7,986 $869,030,000 $108,000 $10,005,000 $161,000 $8,644,000
Home Improvement 6,354 $824,380,000 $129,000 $3,125,000 $200,000 $5,508,000
Home Purchase 2,279 $781,845,000 $343,000 $9,005,000 $238,000 $3,929,000
Refinancing 973 $278,895,000 $286,000 $11,605,000 $195,000 $4,627,000
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 8,777 $1,644,805,000 $187,000 $11,605,000 $220,000 $8,644,000
Hispanic 4,733 $502,595,000 $106,000 $4,205,000 $130,000 $5,623,000
Black or African American 1,715 $143,745,000 $83,000 $2,255,000 $127,000 $3,732,000
Not Provided 1,288 $244,730,000 $190,000 $4,335,000 $217,000 $3,676,000
Asian 864 $182,390,000 $211,000 $2,205,000 $235,000 $5,200,000
American Indian or Alaskan Native 154 $18,410,000 $119,000 $1,505,000 $154,000 $1,500,000
Native Hawaiian or Other Pacific Islander 28 $2,720,000 $97,000 $365,000 $220,000 $1,180,000
Not applicable 21 $13,495,000 $642,000 $4,705,000 $0 $0

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) 17,592 $2,754,150,000 $156,000 $11,605,000 $187,000 $8,644,000
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 6,526 $1,251,950,000 $191,000 $11,605,000 $227,000 $4,627,000
Application Denied By Financial Institution 5,986 $943,040,000 $157,000 $4,205,000 $164,000 $6,000,000
File Closed For Incompleteness 2,545 $111,865,000 $43,000 $1,005,000 $132,000 $8,644,000
Application Withdrawn By Applicant 1,717 $209,955,000 $122,000 $3,005,000 $188,000 $7,000,000
Application Approved But Not Accepted 407 $80,315,000 $197,000 $4,335,000 $249,000 $3,248,000
Preapproval Approved but not Accepted 261 $106,435,000 $407,000 $9,005,000 $164,000 $1,092,000
Preapproval Denied by Financial Institution 150 $50,590,000 $337,000 $2,205,000 $122,000 $1,848,000
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 11,456 $1,760,520,000 $153,000 $11,605,000 $199,000 $8,644,000
Debt-To-Income Ratio 2,762 $503,500,000 $182,000 $3,305,000 $113,000 $1,600,000
Credit History 1,547 $176,425,000 $114,000 $4,205,000 $169,000 $2,952,000
Other 741 $113,365,000 $152,000 $2,005,000 $206,000 $1,369,000
Collateral 392 $76,150,000 $194,000 $2,445,000 $269,000 $6,000,000
Unverifiable Information 291 $54,895,000 $188,000 $3,005,000 $261,000 $2,133,000
Credit Application Incomplete 239 $45,175,000 $189,000 $1,205,000 $261,000 $3,251,000
Employment History 151 $20,165,000 $133,000 $1,245,000 $178,000 $2,275,000
Insufficient Cash (Downpayment, Closing Cost) 13 $3,955,000 $304,000 $645,000 $140,000 $366,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Frost Bank's 2024 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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