Frontier Community Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
59th7.7% deniedPricingmedian rate spread over APOR, weight 30%
13th0.96 ptsProcesswithdrawn + incomplete share, weight 15%
11th24.5%Closing coststotal loan costs ÷ loan amount, weight 10%
57th1.75% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 136 | 78 | 14.0% | 16.7% | 8.38% | $7.8M |
| 2024 | 132 | 63 | 6.8% | 8.4% | 7.38% | $8.2M |
| 2025 | 155 | 93 | 5.8% | 7.7% | 6.88% | $11M |
What Frontier Community Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 6 manufactured homes, 9 investment properties.
Why Frontier Community Credit Union denies applications
Primary reason reported for each of the 9 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Frontier Community Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 14 | 20.0% |
| $50k – $100k | 68 | 44 | 7.4% |
| $100k – $150k | 38 | 23 | 3.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 24 | 12 | 11.8% |
| 35–44 | 38 | 19 | 4.0% |
| 45–54 | 32 | 21 | 4.4% |
| 55–64 | 31 | 20 | 11.5% |
Where Frontier Community Credit Union lends
3 states and 14 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Frontier Community Credit Union denied 7.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 59th percentile of small mortgage lenders.
The most common reason Frontier Community Credit Union gave in 2025 was "credit history", cited on 44.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Frontier Community Credit Union originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.96 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 36% of its applications were for home purchases, 64% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.