Frost can help you realize your dreams of purchasing a residential lot and building your home. Frost Lot Loans feature:

  • competitive fixed interest rates
  • 0.25% rate discount with automatic payments from a Frost Checking or Savings account
  • rates and terms vary on loans $150,000 and greater

Interest Rates

BalanceAnnual Percentage Rate (APR)
$5,000 - $149,999 / 75%6.12%%
$150,000 - $299,999 / 75%​6.12%%
$300,000 - $500,000 / 70%​6.12%%
$500,001 and over / 60%6.12%%

Example: A loan of $75,000 for five years at a simple interest rate of 5.99% would yield a payment amount of $632.62 per month with a final payment of $57,338.68 and an annual percentage rate (APR) of 6.12%.

Loan Amount

Borrow up to 75% of the sales price or appraised value (the lower of the two) on lots valued up to $300,000

Origination Fees

  • 1/2% Origination fee on all Lot Loans


Loan Term

  • 5 years with a 15-year amortization

How to Apply

It's easy to apply for a Frost Lot Loan. It takes about 15 minutes and you'll receive an answer in approximately two to four hours during normal business hours.

To apply, call a Frost Banker at (866) 376-7889 or visit your local Frost financial center. Just bring:

  • your government issued photo ID such as a driver's license, state ID or U.S. Military ID
  • your Social Security number