We analyzed every closed loan from Frost Bank — 703 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Single State · 8 mkts
Promptness
Mediocre
1/5
No reply within 4+ business days
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 37.90 basis points below market average
- Lower than average lender fees
Explore another lender or local market
Report Card
Frost Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 37.9 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 9 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 641 | 91.2% | -0.370%Below | $369Credit | ||||
Jumbo Loans | 62 | 8.8% | -0.467%Below | $1,254Fees |
Conventional
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume641
Mix91.2%
Spread
-0.370%Below
Fees
$369Credit
Jumbo Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume62
Mix8.8%
Spread
-0.467%Below
Fees
$1,254Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 484 | 68.8% | -0.491%Below | $332Credit | ||||
Refinance | 219 | 31.2% | +0.106%Above | $272Fees |
Purchase
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume484
Mix68.8%
Spread
-0.491%Below
Fees
$332Credit
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume219
Mix31.2%
Spread
+0.106%Above
Fees
$272Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
703
Applications
1,172
Volume
$256 million
Pricing & Closing
Avg Rate Spread
-0.379%
vs. market APOR
Avg Net Fees
$-219
Origination − Credits
Pullthrough Rate
60.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$364,218
Avg Borrower Income
$217,754
Avg Property Value
$578,172
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1South1
TX
Top Metro Areas by Place Specialization Score
Volume 163Mix 23.19% of portfolio
73/100
Strong
2© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 94Mix 13.37% of portfolio
70/100
Strong
Volume 133Mix 18.92% of portfolio
70/100
Strong
Volume 91Mix 12.94% of portfolio
70/100
Strong
Volume 133Mix 18.92% of portfolio
69/100
Strong
Volume 22Mix 3.13% of portfolio
54/100
Sound
Volume 13Mix 1.85% of portfolio
47/100
Sound
Volume 10Mix 1.42% of portfolio
42/100
SoundTop States by Place Specialization Score
1
TexasState
Volume 703Mix 100.00% of portfolio
81/100
ExceptionalHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.