Frost Bank mortgage approval rate & lending review
Frost Bank decided 24,969 mortgage applications and funded 13,341 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Frost Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Frost Bank at a glance
Approval is 11.6 points below the 68.9% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Frost Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Home improvement loans | 48% | 2,425 | 1,099 |
| Dallas County, TX | Home improvement loans | 57% | 1,816 | 972 |
| Tarrant County, TX | Home improvement loans | 53% | 1,860 | 922 |
| Collin County, TX | Home improvement loans | 61% | 1,560 | 904 |
| Bexar County, TX | Home improvement loans | 50% | 1,859 | 865 |
| Denton County, TX | Home improvement loans | 60% | 1,297 | 744 |
| Travis County, TX | Home improvement loans | 58% | 1,124 | 613 |
| Montgomery County, TX | Home improvement loans | 59% | 683 | 380 |
| Harris County, TX | Mortgage lenders | 69% | 598 | 377 |
| Travis County, TX | Mortgage lenders | 78% | 509 | 365 |
| Dallas County, TX | Mortgage lenders | 72% | 544 | 348 |
| Bexar County, TX | Mortgage lenders | 76% | 477 | 338 |
The county markets where Frost Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Frost Bank
What is Frost Bank's mortgage approval rate?
Frost Bank approved 57.3% of the 24,969 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.6 points below the 68.9% national rate for the same mix of loan types.
How often do borrowers take the loan Frost Bank offers?
Borrowers accepted 93% of the loans Frost Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Frost Bank make?
The typical home improvement loan loan Frost Bank made was $105K; across all loan types its typical loan ran from $85K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Frost Bank lend?
Frost Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Texas, Louisiana and Arizona.
Can I apply to Frost Bank directly?
Yes. Frost Bank is a bank or credit union with 216 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Frost Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Frost Bank treats applications, then get a rate quote from the lender.