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
Not enough data
—/5
No quote responses measured yet
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
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
641 loans · 0.37% below market
Sound
Top 60% of lenders
3/5
Jumbo
62 loans · 0.47% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
484 loans · 0.49% below market
Sound
Top 60% of lenders
3/5
Refinance
219 loans · 0.11% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Single State · 9 markets
Sound
Top 60% of lenders
3/5
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
1Full-year 2024 · HMDALoans originated
All statesNone
South1
TX
Top Metro Areas by Place Specialization Score
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
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.