Well, looking at the Unitas, there's 2 things:
1 - it's seniors only, so that limits things
2 - Tony Rice won it with 2 TD and 9 INT in 1989
Frazier was a very efficient passer in '95. Only about 60 fewer attempts than the previous year's winner.
I just viewed the O'Brien as more of a high-volume passing award, but that was wrong as well. The Sammy Baugh award seems to be that - lots of BYU, Texas Tech, Houston guys winning it. It seems like it's for the biggest video game-like numbers for a QB award.
I still say if Grossman was a JR, he'd have won in a landslide for the Heisman and all of the others he was eligible for.