Lenders › Frost Bank › Texas
Frost Bank in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Texas, Frost Bank reported 17,360 applications and 6,691 originations for 2024, $1.3bn in all.
Its denial rate in the state was 45.8%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 45.8%.
The median rate spread on its Texas originations was 1.0 percentage points (state median 0.2).
Applications in the state were down 7% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Frost Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 45.8% | 26.0% | 45.8% | 24.3% |
| Median rate spread, pp | 1.0 | 0.2 | 1.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.8% | 11.8% | 2.8% | 15.6% |
| Average originated loan | $192k | $350k | $192k | $329k |
| Home purchase share | 17.6% | 72.8% | 17.6% | 57.0% |
| FHA-insured share | 0.0% | 19.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 18% (1,175)Home improvement 47% (3,125)Refinancing 7% (489)Other purpose 28% (1,902)
By type
Conventional 100% (6,691)
Denial reasons as coded
Share of 5,989 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harris County | 2,503 | 808 | $157m | 51.1% |
| Dallas County | 1,740 | 709 | $179m | 43.5% |
| Bexar County | 1,864 | 687 | $111m | 47.9% |
| Tarrant County | 1,781 | 682 | $122m | 47.0% |
| Collin County | 1,223 | 581 | $108m | 40.5% |
| Denton County | 1,103 | 515 | $87m | 38.6% |
| Travis County | 1,048 | 485 | $156m | 39.6% |
| Montgomery County | 554 | 254 | $36m | 41.0% |
| Fort Bend County | 660 | 228 | $32m | 52.7% |
| Williamson County | 429 | 181 | $34m | 42.8% |
| Comal County | 224 | 106 | $18m | 41.0% |
| Hays County | 188 | 104 | $23m | 33.3% |
| Galveston County | 251 | 99 | $12m | 46.3% |
| Rockwall County | 189 | 99 | $19m | 38.7% |
| Parker County | 199 | 91 | $15m | 44.6% |
| Ellis County | 204 | 85 | $11m | 51.4% |
| Nueces County | 249 | 84 | $12m | 46.1% |
| Midland County | 165 | 84 | $21m | 34.8% |
| Brazoria County | 221 | 81 | $7.7m | 49.1% |
| Hidalgo County | 301 | 53 | $5.9m | 67.1% |
| Grayson County | 108 | 46 | $7.1m | 43.4% |
| Guadalupe County | 117 | 41 | $5.1m | 57.7% |
| Kaufman County | 109 | 40 | $5.6m | 44.3% |
| Johnson County | 117 | 37 | $6.7m | 49.4% |
| Kendall County | 77 | 35 | $14m | 42.4% |
| Cameron County | 150 | 29 | $4.0m | 65.6% |
| Hunt County | 68 | 27 | $4.0m | 41.7% |
| Ector County | 83 | 23 | $3.4m | 45.5% |
| Wise County | 52 | 23 | $2.9m | 45.2% |
| Bastrop County | 69 | 22 | $2.8m | 55.6% |
| Waller County | 59 | 20 | $3.0m | 52.3% |
| Bell County | 56 | 20 | $3.4m | 32.3% |
| Brazos County | 58 | 19 | $3.8m | 41.2% |
| Hood County | 33 | 18 | $2.2m | 22.2% |
| Wilson County | 32 | 17 | $2.5m | 39.3% |
| San Patricio County | 44 | 15 | $1.8m | 48.3% |
| Burnet County | 32 | 13 | $2.6m | 50.0% |
| Henderson County | 31 | 13 | $2.5m | — |
| McLennan County | 41 | 12 | $1.4m | — |
| Smith County | 36 | 11 | $1.4m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Frost Bank originate in Texas in 2024?
6,691 loans totalling $1.3bn, from 17,360 applications reported for properties in Texas.
What is Frost Bank's denial rate in Texas?
45.8% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 45.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does Frost Bank lend in most?
By originations: Harris County (808), Dallas County (709), Bexar County (687), Tarrant County (682), Collin County (581).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.