Applications / Mortgage Analytics / Lenders / Texas / Frontier Bank of Texas
Elgin, TX · State non-member bank · FDIC · $1.0 billion assets · 112 loans in 2025
Frontier Bank of Texas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
112
loans originated, 2025
141
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Frontier Bank of Texas makes home loans nearly twice the size of similar banks', and about one in eight is a jumbo.
Its typical loan in 2025 was $310,000, against $175,000 at similar lenders, banks of the same type making between half and twice as many loans. Only about a tenth of them lend more per loan. Jumbo loans, those above the conforming limit, made up 13.0% of its lending, against 1.5% at its peers, and the share has been steady for years: it was 15.4% in 2020. So with a loan count close to its peers', it lent $61.2 million, about twice their $30.1 million.
Its largest market is Austin-Round Rock-San Marcos, where its share rose to 0.2% from 0.1%, ranking it 98th of 753 lenders. It has lent there since 2008. All its lending is in Texas, spread over six metro areas.
It made 36.6% of its loans in majority-minority neighborhoods, against 6.1% at its peers, more than nearly nine in ten of them. But 21.2% of its borrowers had low or moderate incomes, against 27.9% at its peers. One plain reason may be its loan size: bigger loans tend to go to borrowers with bigger incomes.
Its loans rose 6% in 2025, to 112, a little slower than the 9% at its peers and the 10% for the whole market. It made 135 loans in 2021 and has stayed between 100 and 135 every year since 2018.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Frontier Bank of Texas took 141 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.6% · Refinance 23.2% · Other 9.8% · Home improvement 5.4%
Conventional 100.0% · of 112 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 | 112 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 78 |
| College Station-Bryan | 3 |
| Houston-Pasadena-The Woodlands | 2 |
| Killeen-Temple | 2 |
| San Antonio-New Braunfels | 2 |
| San Angelo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900IHP9HX92C8DX39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3472046 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358509 | 2008–2017 |
Established 11 June 2007. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Frontier Bank of Texas's data.
Frontier Bank of Texas's data
$215
Frontier Bank of Texas and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Frontier Bank of Texas's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]