Purchase Originations
560
Ranked #585 nationally
Median Total Costs
$4,878
−27.0% vs national ($6,680)
↑ $12 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,200
Median Lender Credits
$4,000
Cost Rank (500+ vol.)
#185
among lenders with 500+ originations
Denial Rate
13.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 560 | 5.750% | $4,878 | $1,200 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 560 | 5.750% | $4,878 | #106 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,557 | 5.970% | — | 4 | −$3,321 | |
| 2 | $3,901 | 5.750% | — | 10 | −$977 | |
| 3 | $4,336 | 5.750% | — | 12 | −$542 | |
| 4 | $4,552 | 5.750% | — | 16 | −$326 | |
| 5 | $4,581 | 5.750% | — | 17 | −$297 | |
| 6 | $4,657 | 5.750% | — | 16 | −$221 | |
| 7 | $4,664 | 5.750% | — | 14 | −$214 | |
| 8 | $4,680 | 5.750% | — | 25 | −$198 | |
| 9 | $4,736 | 5.750% | — | 53 | −$142 | |
| 10 | $4,742 | 5.750% | — | 7 | −$136 | |
| 11 | $4,877 | 5.750% | — | 85 | −$1 | |
| 12 | $4,997 | 5.750% | — | 36 | +$119 | |
| 13 | $5,163 | 5.750% | — | 4 | +$285 | |
| 14 | $5,170 | 5.750% | — | 17 | +$292 | |
| 15 | $5,182 | 5.750% | — | 69 | +$304 | |
| 16 | $5,325 | 5.750% | — | 84 | +$447 | |
| 17 | $5,494 | 5.825% | — | 12 | +$616 | |
| 18 | $5,865 | 5.650% | — | 11 | +$987 | |
| 19 | $7,888 | 5.500% | — | 6 | +$3,010 | |
| 20 | $11,027 | 5.525% | — | 5 | +$6,149 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Frost Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $4,878 | $7,127 | −$2,249 (−31.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.