# Frost Bank

> **Canonical URL:** https://saferate.com/lenders/frost-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Frost Bank is a bank, headquartered in San Antonio, TX, with 703 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 10% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 49% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** G5AHTAP80NWA3Q8RDC78
- **Headquarters:** San Antonio, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 90/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.379%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-219
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 703
- **Dollar Volume:** $256 million
- **Applications Received:** 1,172
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $364,218
- **Average Borrower Income:** $217,754
- **Average Property Value:** $578,172

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Jumbo Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 59/100 | 641 | -0.370% | $-369 | Sound ☺️ |
| Jumbo | 76/100 | 62 | -0.467% | $1,254 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 428 loans, Score: 57/100 (Sound)
- Refinance: 213 loans, Score: 68/100 (Strong)

**Jumbo:**
- Purchase: 56 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 484 | $198M | -0.491% | Sound ☺️ |
| Refinance | 67/100 | 219 | $58M | +0.106% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 703 | 0.20% | 81/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Antonio | TX | 163 | 73/100 |
| Dallas | TX | 133 | 70/100 |
| Houston | TX | 133 | 69/100 |
| Fort Worth | TX | 94 | 70/100 |
| Austin | TX | 91 | 70/100 |
| Corpus Christi, TX | TX | 22 | 54/100 |
| Midland, TX | TX | 13 | 47/100 |
| Non |  | 13 | 22/100 |
| McAllen | TX | 10 | 42/100 |

## Where This Lender Ranks

Frost Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in San Antonio Banks
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/banks)
- 🥉 **#3** in San Antonio for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Texas Banks
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks)
- 🏆 **#4** in Texas for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in San Antonio for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Fort Worth for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Austin Banks
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/banks)
- 🏆 **#4** in Austin for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Midland, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Texas for Jumbo Loans
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/jumbo-loans)
- 🏆 **#5** in Fort Worth Banks
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/banks)
- 🏆 **#6** in San Antonio for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Fort Worth for Jumbo Loans
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Austin for Jumbo Loans
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Corpus Christi, TX Banks
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/banks)
- 🏆 **#8** in Texas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Corpus Christi, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Austin for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Fort Worth for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Corpus Christi, TX
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Frost Bank offer?

Frost Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Frost Bank offer mortgages?

Frost Bank offers mortgages in 1 states: TX.

### How competitive are Frost Bank's mortgage rates?

Frost Bank has a pricing score of 90/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.379% below market average.

### What type of lender is Frost Bank?

Frost Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in San Antonio, TX.

### What is Frost Bank's loan approval success rate?

Frost Bank has a pull-through score of 51/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/frost-bank

### How to Cite

> "Frost Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/frost-bank

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