Applications / Mortgage Analytics / Lenders / Texas / Frost Bank
San Antonio, TX · State member bank · FRS · $53.1 billion assets · 6,118 loans in 2025
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6,118
loans originated, 2025
11,931
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Frost Bank is a Texas bank whose lending is mostly home-improvement and other-purpose loans, with 36.9% of them in majority-minority areas, though its originations fell 9% in 2025.
Home improvement made up 41.0% of its loans and other purposes 27.1%; purchases were 19.5%. Similar lenders are state member banks making between half and twice as many loans. Its typical loan was $145,000 against $222,500, lower than more than four in five of them.
Its share in majority-minority areas, 36.9% against 16.1%, was higher than more than nine in ten similar lenders and up from 18.1% five years before; its markets are Texas metros such as San Antonio, Houston and Dallas. LMI (low- and moderate-income) borrowers took 21.9% against 28.1%, up from 5.8% five years before. Lending to existing homeowners for improvements may reach a different mix of borrowers from purchase lending.
Its typical rate was 7.57% against 6.62%. Its mix of home-improvement and other-purpose loans, which may be priced differently from first mortgages, could account for part of it. Few of its loans were higher-priced (a rate well above the average for similar loans): 0.0% against 1.8%.
Originations fell 9% to 6,118, against a 2% rise for similar lenders and 10% for the whole market, though above 5,274 five years before. Fewer homeowners borrowing for improvements, or the bank's own choices, could explain the fall. Its Austin share rose to 1.2% from 1.0%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Frost Bank took 11,931 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 41.0% · Other 27.1% · Purchase 19.5% · Refinance 12.4%
Conventional 100.0% · of 6,118 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 6,117 | 100.0% |
| Arizona | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 1,860 |
| Houston-Pasadena-The Woodlands | 1,369 |
| Austin-Round Rock-San Marcos | 824 |
| Fort Worth-Arlington-Grapevine | 814 |
| San Antonio-New Braunfels | 708 |
| Corpus Christi | 63 |
| Midland | 58 |
| McAllen-Edinburg-Mission | 47 |
| Sherman-Denison | 38 |
| Killeen-Temple | 34 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | G5AHTAP80NWA3Q8RDC78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 682563 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15179 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9682563 | 2011–2017 |
Established 20 February 1899. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Frost Bank's data.
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