Lender profile · HMDA 2023–2025
Frost Bank mortgage approval rates & lending data
Frost Bank decided 24,969 mortgage applications and funded 13,341 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 71% | 3,314 / 4,664 | 90% | $235K | 2,996 |
| Home improvement loans | 54% | 9,277 / 17,337 | 94% | $105K | 8,718 |
| Refinance | 59% | 1,656 / 2,818 | 95% | $205K | 1,569 |
| Investment property purchase | 68% | 41 / 60 | 95% | $265K | 39 |
| Investment home improvement | 17% | 12 / 71 | 75% | $85K | 9 |
Frost Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 57% | $105K | 24,966 | 13,340 |
| Louisiana | 100% | — | 2 | 0 |
| Arizona | 100% | $885K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.