Frost Bank in Texas vs the state
41.8%Denial rate+22.39 pts vs state
43.5%Decision denial rate+18.56 pts vs state
51.3%Origination rate-3.60 pts vs state
7.57%Median rate+1.07 pts vs state
0.83Rate spread (pts)+0.64 pts vs state
$148kMedian applicant income
6,117Loans originated
4,989Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18,640 | 6,852 | 49.4% | 6.96% | #7 |
| 2024 | 17,360 | 6,691 | 34.5% | 7.46% | #8 |
| 2025 | 11,929 | 6,117 | 41.8% | 7.57% | #17 |
What Frost Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Frost Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 1,564 | 746 | 698 | 44.6% |
| Tarrant County | 1,216 | 647 | 490 | 40.3% |
| Dallas County | 1,207 | 673 | 458 | 37.9% |
| Bexar County | 1,146 | 538 | 505 | 44.1% |
| Collin County | 923 | 525 | 349 | 37.8% |
| Travis County | 904 | 499 | 337 | 37.3% |
| Denton County | 806 | 458 | 311 | 38.6% |
| Fort Bend County | 446 | 217 | 202 | 45.3% |
| Montgomery County | 440 | 220 | 198 | 45.0% |
| Williamson County | 357 | 190 | 152 | 42.6% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 11,929 applications in 2025, of which 6,117 were originated and 4,989 denied.
41.8% of all applications, or 43.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Frost Bank originated in Texas in 2025 was 7.57%, against a statewide median of 6.50%.
About this data. Figures are Frost Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology