# FRONTIER FINANCIAL, INC.

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


> **📋 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 FINANCIAL, INC. is a independent mortgage company, headquartered in Chesterfield, MO, serving borrowers across 5 states, with 298 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300MMQJ2MM37FDE66
- **Headquarters:** Chesterfield, MO
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** IA, IL, MO, NE, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.490%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,050
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 298
- **Dollar Volume:** $59 million
- **Applications Received:** 312
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $197,248
- **Average Borrower Income:** $88,869
- **Average Property Value:** $228,121

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 186 | +0.405% | $2,197 | Sound ☺️ |
| FHA | 65/100 | 89 | +0.865% | $1,668 | Strong 😀 |
| VA | 60/100 | 21 | +0.081% | $1,816 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 169 loans, Score: 45/100 (Sound)

**FHA:**
- Purchase: 86 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 275 | $53M | +0.496% | Sound ☺️ |
| Refinance | 34/100 | 23 | $6M | +0.433% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 184 | 0.52% | 73/100 |
| MO | 60 | 0.08% | 60/100 |
| IL | 52 | 0.04% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 121 | 60/100 |
| St. Louis, MO | MO-IL | 94 | 71/100 |
| Des Moines | IA | 67 | 68/100 |

## Where This Lender Ranks

FRONTIER FINANCIAL, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#15** in Des Moines for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#19** in Iowa for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does FRONTIER FINANCIAL, INC. offer?

FRONTIER FINANCIAL, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FRONTIER FINANCIAL, INC. offer mortgages?

FRONTIER FINANCIAL, INC. offers mortgages in 5 states: IA, IL, MO, NE, TX.

### How competitive are FRONTIER FINANCIAL, INC.'s mortgage rates?

FRONTIER FINANCIAL, INC. has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.490% above market average.

### What type of lender is FRONTIER FINANCIAL, INC.?

FRONTIER FINANCIAL, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Chesterfield, MO.

### What is FRONTIER FINANCIAL, INC.'s loan approval success rate?

FRONTIER FINANCIAL, INC. has a pull-through score of 59/100 (Sound). 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-financial

### How to Cite

> "FRONTIER FINANCIAL, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/frontier-financial

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