Frost Bank Scales Mortgage Growth In Texas

Frost Bank reported higher mortgage volume in 2025 after surpassing its initial production target.

The bank set a $500 million mortgage goal for 2025 and exceeded it, with Modex data showing roughly $744 million in volume last year.

Frost resumed offering mortgages in 2023 after developing its lending platform internally, following a pilot program in 2022. The bank has increased mortgage volume since relaunching the business.

Zero-Down Program 

Frost’s Progress Mortgage program offers:

• Up to 100% financing
• No private mortgage insurance (PMI)
• About $4,000 in closing cost assistance for qualifying borrowers

The bank said the program is intended to reduce upfront costs for borrowers. Certain administrative fees may also be waived for eligible borrowers purchasing homes in low-to-moderate-income census tracts.

Bank To Retain Servicing

Frost said it plans to service the loans it originates through the life of the loan rather than sell servicing rights.

The bank continues to expand its presence across Texas, including in markets such as Dallas and Austin, according to company information.

Frost’s expansion adds another competitor offering low-down-payment options in a market where affordability continues to shape borrower demand.