Frost Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Frost Bank 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Frost Bank 100 West Houston St San Antonio, TX 78205 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 11,053 |
| Total Mortgage Loan Application Amount | $1,691,335,000 |
| Average Mortgage Loan Application Amount | $190,250 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $205,750 |
| Highest Applicant Income | $5,791,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Frost Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Frost Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Frost Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Frost Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Frost Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Frost Bank's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris County Texas | 1,593 | $ 220,625,000 | $ 138,000 | $ 188,000 |
| Bexar County Texas | 1,290 | $ 155,890,000 | $ 120,000 | $ 145,000 |
| Tarrant County Texas | 1,104 | $ 156,610,000 | $ 141,000 | $ 189,000 |
| Travis County Texas | 1,102 | $ 336,540,000 | $ 305,000 | $ 272,000 |
| Dallas County Texas | 1,032 | $ 207,620,000 | $ 201,000 | $ 255,000 |
| Collin County Texas | 909 | $ 120,795,000 | $ 132,000 | $ 214,000 |
| Denton County Texas | 693 | $ 91,065,000 | $ 131,000 | $ 219,000 |
| Fort Bend County Texas | 476 | $ 49,990,000 | $ 105,000 | $ 194,000 |
| Williamson County Texas | 328 | $ 43,980,000 | $ 134,000 | $ 183,000 |
| Montgomery County Texas | 325 | $ 38,195,000 | $ 117,000 | $ 203,000 |
| Hidalgo County Texas | 196 | $ 12,770,000 | $ 65,000 | $ 115,000 |
| Hays County Texas | 180 | $ 29,100,000 | $ 161,000 | $ 187,000 |
| Comal County Texas | 170 | $ 25,310,000 | $ 148,000 | $ 188,000 |
| Galveston County Texas | 167 | $ 19,055,000 | $ 114,000 | $ 183,000 |
| Nueces County Texas | 142 | $ 19,690,000 | $ 138,000 | $ 126,000 |
| Brazoria County Texas | 134 | $ 12,500,000 | $ 93,000 | $ 194,000 |
| Cameron County Texas | 91 | $ 7,085,000 | $ 77,000 | $ 95,000 |
| Parker County Texas | 91 | $ 11,505,000 | $ 126,000 | $ 170,000 |
| Midland County Texas | 74 | $ 13,950,000 | $ 188,000 | $ 227,000 |
| Kendall County Texas | 69 | $ 16,375,000 | $ 237,000 | $ 257,000 |
| Rockwall County Texas | 68 | $ 8,810,000 | $ 129,000 | $ 200,000 |
| Johnson County Texas | 67 | $ 5,785,000 | $ 86,000 | $ 134,000 |
| Ellis County Texas | 63 | $ 9,755,000 | $ 154,000 | $ 191,000 |
| Guadalupe County Texas | 56 | $ 5,020,000 | $ 89,000 | $ 124,000 |
| Ector County Texas | 51 | $ 4,365,000 | $ 85,000 | $ 105,000 |
| Kaufman County Texas | 36 | $ 3,600,000 | $ 100,000 | $ 144,000 |
| Wise County Texas | 30 | $ 3,960,000 | $ 132,000 | $ 154,000 |
| Wilson County Texas | 28 | $ 3,010,000 | $ 107,000 | $ 151,000 |
| Victoria County Texas | 26 | $ 1,750,000 | $ 67,000 | $ 140,000 |
| Medina County Texas | 24 | $ 2,650,000 | $ 110,000 | $ 142,000 |
| Grayson County Texas | 22 | $ 1,870,000 | $ 85,000 | $ 148,000 |
| Waller County Texas | 22 | $ 3,000,000 | $ 136,000 | $ 186,000 |
| Burnet County Texas | 21 | $ 2,925,000 | $ 139,000 | $ 162,000 |
| Hood County Texas | 21 | $ 2,325,000 | $ 110,000 | $ 136,000 |
| Chambers County Texas | 17 | $ 1,375,000 | $ 80,000 | $ 184,000 |
| Brazos County Texas | 16 | $ 2,030,000 | $ 126,000 | $ 167,000 |
| San Patricio County Texas | 16 | $ 1,310,000 | $ 81,000 | $ 96,000 |
| Hunt County Texas | 14 | $ 1,660,000 | $ 118,000 | $ 117,000 |
| Bell County Texas | 13 | $ 1,085,000 | $ 83,000 | $ 144,000 |
| Kerr County Texas | 13 | $ 2,275,000 | $ 175,000 | $ 152,000 |
| Bastrop County Texas | 11 | $ 1,315,000 | $ 119,000 | $ 114,000 |
| Bandera County Texas | 10 | $ 1,020,000 | $ 102,000 | $ 166,000 |
| Henderson County Texas | 10 | $ 1,480,000 | $ 148,000 | $ 252,000 |
| Wharton County Texas | 10 | $ 860,000 | $ 86,000 | $ 129,000 |
| Atascosa County Texas | 9 | $ 405,000 | $ 45,000 | $ 78,000 |
| Gillespie County Texas | 9 | $ 1,645,000 | $ 182,000 | $ 91,000 |
| Austin County Texas | 8 | $ 1,170,000 | $ 146,000 | $ 154,000 |
| Washington County Texas | 7 | $ 925,000 | $ 132,000 | $ 261,000 |
| Aransas County Texas | 6 | $ 1,370,000 | $ 228,000 | $ 220,000 |
| Liberty County Texas | 6 | $ 230,000 | $ 38,000 | $ 129,000 |
| Van Zandt County Texas | 6 | $ 290,000 | $ 48,000 | $ 133,000 |
| Colorado County Texas | 5 | $ 315,000 | $ 63,000 | $ 177,000 |
| Jim Wells County Texas | 5 | $ 215,000 | $ 43,000 | $ 54,000 |
| Llano County Texas | 5 | $ 3,445,000 | $ 689,000 | $ 249,000 |
| McLennan County Texas | 5 | $ 425,000 | $ 85,000 | $ 135,000 |
| Milam County Texas | 5 | $ 605,000 | $ 121,000 | $ 114,000 |
| Navarro County Texas | 5 | $ 205,000 | $ 41,000 | $ 150,000 |
| Taylor County Texas | 5 | $ 215,000 | $ 43,000 | $ 71,000 |
| Fayette County Texas | 4 | $ 1,140,000 | $ 285,000 | $ 217,000 |
| Grimes County Texas | 4 | $ 500,000 | $ 125,000 | $ 128,000 |
| Live Oak County Texas | 4 | $ 500,000 | $ 125,000 | $ 160,000 |
| Walker County Texas | 4 | $ 870,000 | $ 217,000 | $ 200,000 |
| Webb County Texas | 4 | $ 90,000 | $ 22,000 | $ 74,000 |
| Willacy County Texas | 4 | $ 590,000 | $ 147,000 | $ 88,000 |
| Anderson County Texas | 3 | $ 135,000 | $ 45,000 | $ 75,000 |
| Bee County Texas | 3 | $ 245,000 | $ 81,000 | $ 113,000 |
| Calhoun County Texas | 3 | $ 385,000 | $ 128,000 | $ 71,000 |
| Camp County Texas | 3 | $ 305,000 | $ 101,000 | $ 90,000 |
| Jefferson County Texas | 3 | $ 75,000 | $ 25,000 | $ 62,000 |
| Kleberg County Texas | 3 | $ 235,000 | $ 78,000 | $ 53,000 |
| Lubbock County Texas | 3 | $ 175,000 | $ 58,000 | $ 147,000 |
| Polk County Texas | 3 | $ 135,000 | $ 45,000 | $ 54,000 |
| Smith County Texas | 3 | $ 65,000 | $ 21,000 | $ 127,000 |
| Tom Green County Texas | 3 | $ 185,000 | $ 61,000 | $ 76,000 |
| Andrews County Texas | 2 | $ 150,000 | $ 75,000 | $ 37,000 |
| Caldwell County Texas | 2 | $ 30,000 | $ 15,000 | $ 122,000 |
| Cherokee County Texas | 2 | $ 110,000 | $ 55,000 | $ 446,000 |
| Crane County Texas | 2 | $ 90,000 | $ 45,000 | $ 117,000 |
| El Paso County Texas | 2 | $ 530,000 | $ 265,000 | $ 135,000 |
| Erath County Texas | 2 | $ 210,000 | $ 105,000 | $ 154,000 |
| Fannin County Texas | 2 | $ 380,000 | $ 190,000 | $ 170,000 |
| Franklin County Texas | 2 | $ 430,000 | $ 215,000 | $ 105,000 |
| Harrison County Texas | 2 | $ 90,000 | $ 45,000 | $ 86,000 |
| Hill County Texas | 2 | $ 560,000 | $ 280,000 | $ 101,000 |
| Hopkins County Texas | 2 | $ 120,000 | $ 60,000 | $ 49,000 |
| Howard County Texas | 2 | $ 120,000 | $ 60,000 | $ 41,000 |
| Lee County Texas | 2 | $ 150,000 | $ 75,000 | $ 161,000 |
| Montague County Texas | 2 | $ 190,000 | $ 95,000 | $ 83,000 |
| Nacogdoches County Texas | 2 | $ 70,000 | $ 35,000 | $ 136,000 |
| Potter County Texas | 2 | $ 130,000 | $ 65,000 | $ 75,000 |
| Robertson County Texas | 2 | $ 170,000 | $ 85,000 | $ 151,000 |
| San Jacinto County Texas | 2 | $ 240,000 | $ 120,000 | $ 90,000 |
| Starr County Texas | 2 | $ 70,000 | $ 35,000 | $ 57,000 |
| Uvalde County Texas | 2 | $ 180,000 | $ 90,000 | $ 142,000 |
| Wood County Texas | 2 | $ 380,000 | $ 190,000 | $ 470,000 |
| Santa Clara County California | 1 | $ 5,000 | $ 5,000 | $ 31,000 |
| New York County New York | 1 | $ 4,795,000 | $ 4,795,000 | $ 0 |
| Blanco County Texas | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
| Bowie County Texas | 1 | $ 15,000 | $ 15,000 | $ 33,000 |
| Burleson County Texas | 1 | $ 175,000 | $ 175,000 | $ 133,000 |
| Callahan County Texas | 1 | $ 85,000 | $ 85,000 | $ 10,000 |
| Clay County Texas | 1 | $ 65,000 | $ 65,000 | $ 203,000 |
| Coke County Texas | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Cooke County Texas | 1 | $ 255,000 | $ 255,000 | $ 47,000 |
| Coryell County Texas | 1 | $ 85,000 | $ 85,000 | $ 198,000 |
| Eastland County Texas | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Falls County Texas | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Goliad County Texas | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Gonzales County Texas | 1 | $ 45,000 | $ 45,000 | $ 81,000 |
| Hall County Texas | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Hardin County Texas | 1 | $ 5,000 | $ 5,000 | $ 91,000 |
| Jack County Texas | 1 | $ 195,000 | $ 195,000 | $ 627,000 |
| Karnes County Texas | 1 | $ 15,000 | $ 15,000 | $ 83,000 |
| La Salle County Texas | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Lamar County Texas | 1 | $ 35,000 | $ 35,000 | $ 150,000 |
| Lampasas County Texas | 1 | $ 45,000 | $ 45,000 | $ 190,000 |
| Leon County Texas | 1 | $ 285,000 | $ 285,000 | $ 40,000 |
| Madison County Texas | 1 | $ 25,000 | $ 25,000 | $ 95,000 |
| Matagorda County Texas | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Morris County Texas | 1 | $ 15,000 | $ 15,000 | $ 40,000 |
| Panola County Texas | 1 | $ 5,000 | $ 5,000 | $ 41,000 |
| Rains County Texas | 1 | $ 105,000 | $ 105,000 | $ 101,000 |
| Rusk County Texas | 1 | $ 5,000 | $ 5,000 | $ 32,000 |
| San Augustine County Texas | 1 | $ 35,000 | $ 35,000 | $ 129,000 |
| Somervell County Texas | 1 | $ 45,000 | $ 45,000 | $ 166,000 |
| Stephens County Texas | 1 | $ 45,000 | $ 45,000 | $ 84,000 |
| Trinity County Texas | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Upton County Texas | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Wichita County Texas | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Young County Texas | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
Mortgage Loan Application Detail Totals for Frost Bank in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 6,073 | $724,145,000 | $119,000 | $3,855,000 | $190,000 | $3,328,000 |
| Other Purpose | 2,904 | $464,530,000 | $159,000 | $7,005,000 | $195,000 | $5,405,000 |
| Refinancing | 1,099 | $263,695,000 | $239,000 | $4,795,000 | $207,000 | $5,791,000 |
| Home Purchase | 977 | $238,965,000 | $244,000 | $7,005,000 | $231,000 | $2,348,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 6,695 | $1,117,625,000 | $166,000 | $7,005,000 | $213,000 | $4,257,000 |
| Hispanic | 1,919 | $189,395,000 | $98,000 | $2,405,000 | $139,000 | $4,233,000 |
| Not Provided | 1,197 | $195,165,000 | $163,000 | $3,705,000 | $205,000 | $5,791,000 |
| Black or African American | 560 | $52,990,000 | $94,000 | $855,000 | $154,000 | $2,600,000 |
| Asian | 340 | $62,170,000 | $182,000 | $2,005,000 | $255,000 | $5,405,000 |
| American Indian or Alaskan Native | 99 | $9,115,000 | $92,000 | $505,000 | $154,000 | $1,127,000 |
| Not applicable | 33 | $16,655,000 | $504,000 | $4,795,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 9 | $985,000 | $109,000 | $285,000 | $146,000 | $256,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 11,053 | $1,691,335,000 | $153,000 | $7,005,000 | $197,000 | $5,791,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 5,301 | $900,095,000 | $169,000 | $4,505,000 | $225,000 | $5,791,000 |
| Application Denied By Financial Institution | 4,824 | $658,460,000 | $136,000 | $7,005,000 | $163,000 | $5,405,000 |
| Application Approved But Not Accepted | 521 | $86,895,000 | $166,000 | $3,855,000 | $226,000 | $4,257,000 |
| Application Withdrawn By Applicant | 407 | $45,885,000 | $112,000 | $4,795,000 | $185,000 | $1,484,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 6,229 | $1,032,875,000 | $165,000 | $4,795,000 | $223,000 | $5,791,000 |
| Credit Application Incomplete | 1,630 | $169,420,000 | $103,000 | $2,205,000 | $168,000 | $4,233,000 |
| Debt-To-Income Ratio | 1,220 | $208,740,000 | $171,000 | $7,005,000 | $96,000 | $766,000 |
| Credit History | 961 | $96,845,000 | $100,000 | $2,405,000 | $159,000 | $2,600,000 |
| Collateral | 356 | $68,370,000 | $192,000 | $3,505,000 | $271,000 | $5,405,000 |
| Other | 342 | $57,550,000 | $168,000 | $2,775,000 | $233,000 | $4,257,000 |
| Unverifiable Information | 237 | $48,235,000 | $203,000 | $7,005,000 | $240,000 | $3,527,000 |
| Employment History | 78 | $9,300,000 | $119,000 | $505,000 | $172,000 | $798,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Frost Bank's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Frost Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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