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Frost Bank
Bank|San Antonio, TX|Single State
Loans Originated
703
Applications
1,172
Volume
$256 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.379%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
-$219
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
60.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 37.90 basis points below market average
- Lower than average lender fees
Report Card
Frost Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Single State · 9 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$364,218
Average Borrower Income
$217,754
Average Property Value
$578,172
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Exceptional | Sound | 641 | 91.2% | -0.370% | -$369 |
Jumbo Loans | Strong | Strong | Exceptional | Strong | 62 | 8.8% | -0.467% | $1,254 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Exceptional | Sound | 484 | 68.8% | -0.491% | -$332 |
Refinance | Sound | Strong | Sound | Sound | 219 | 31.2% | +0.106% | $272 |
Geographic Coverage
Metro Areas
8
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
TX
Top Metro Areas by Place Specialization Score
1
San Antonio, TXMSA
Volume: 163Mix: 23.19%
Place Specialization
Strong
2
Fort Worth, TXMSA
Volume: 94Mix: 13.37%
Place Specialization
Strong
3
Dallas, TXMSA
Volume: 133Mix: 18.92%
Place Specialization
Strong
4
Austin, TXMSA
Volume: 91Mix: 12.94%
Place Specialization
Strong
5
Houston, TXMSA
Volume: 133Mix: 18.92%
Place Specialization
Strong
6
Corpus Christi, TX, TXMSA
Volume: 22Mix: 3.13%
Place Specialization
Sound
7
Midland, TX, TXMSA
Volume: 13Mix: 1.85%
Place Specialization
Sound
8
McAllen, TXMSA
Volume: 10Mix: 1.42%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 703Mix: 100.00%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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