# Frontier Bank

> **Canonical URL:** https://saferate.com/lenders/frontier-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Frontier Bank is a bank, headquartered in Omaha, NE, serving borrowers across 13 states, with 185 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900HEPQK96AEXHS12
- **Headquarters:** Omaha, NE
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AR, AZ, CO, FL, GA, IA, IN, KS, MN, MO, NE, TX, WA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.306%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $794
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 185
- **Dollar Volume:** $57 million
- **Applications Received:** 217
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $308,405
- **Average Borrower Income:** $188,141
- **Average Property Value:** $487,000

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 178 | +0.308% | $795 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 120 loans, Score: 44/100 (Sound)
- Refinance: 58 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 127 | $42M | +0.249% | Sound ☺️ |
| Refinance | 58/100 | 58 | $15M | +0.417% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 167 | 0.78% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 77 | 55/100 |
| Omaha, NE | NE-IA | 52 | 67/100 |
| Lincoln, NE | NE | 41 | 65/100 |

## Where This Lender Ranks

Frontier Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#11** in Lincoln, NE Banks
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks)
- 🏆 **#11** in Lincoln, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Lincoln, NE
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders)
- 🏆 **#15** in Omaha, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in Lincoln, NE for Conventional Loans
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/conventional-loans)
- 🏆 **#18** in Omaha, NE Banks
  - [View Full Rankings](https://saferate.com/omaha-ne/best-mortgage-lenders/banks)
- 🏆 **#19** in Nebraska Banks
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks)
- 🏆 **#19** in Nebraska for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Frontier Bank offer?

Frontier Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Frontier Bank offer mortgages?

Frontier Bank offers mortgages in 13 states: AR, AZ, CO, FL, GA, IA, IN, KS, MN, MO, NE, TX, WA.

### How competitive are Frontier Bank's mortgage rates?

Frontier Bank has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.306% above market average.

### What type of lender is Frontier Bank?

Frontier Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Omaha, NE.

### What is Frontier Bank's loan approval success rate?

Frontier Bank has a pull-through score of 67/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/frontier-bank

### How to Cite

> "Frontier Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/frontier-bank

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