Frontier Financial at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
30th0.48 ptsProcesswithdrawn + incomplete share, weight 15%
90th1.8%Closing coststotal loan costs ÷ loan amount, weight 10%
45th2.04% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 393 | 383 | 0.8% | 0.8% | 6.75% | $78M |
| 2024 | 316 | 302 | 1.0% | 1.0% | 6.63% | $60M |
| 2025 | 274 | 269 | 0.0% | 0.0% | 6.63% | $63M |
What Frontier Financial 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, 1 manufactured homes, 3 investment properties.
Who gets approved at Frontier Financial
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 46 | 46 | 0.0% |
| $50k – $100k | 130 | 127 | 0.0% |
| $100k – $150k | 62 | 60 | 0.0% |
| $150k – $250k | 21 | 21 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 47 | 46 | 0.0% |
| 25–34 | 111 | 110 | 0.0% |
| 35–44 | 57 | 56 | 0.0% |
| 45–54 | 35 | 34 | 0.0% |
Where Frontier Financial lends
3 states and 41 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Frontier Financial denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Frontier Financial originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.48 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 93% of its applications were for home purchases, 7% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 55% conventional, 35% FHA, 6% 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.