# FRONTWAVE

> **Canonical URL:** https://saferate.com/lenders/frontwave


> **📋 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


FRONTWAVE is a credit union, headquartered in Oceanside, CA, serving borrowers across 2 states, with 38 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 73% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300PEQH6YK4DH0490
- **Headquarters:** Oceanside, CA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CA, NC
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 38
- **Dollar Volume:** $21 million
- **Applications Received:** 78
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $559,211
- **Average Borrower Income:** $168,211
- **Average Property Value:** $771,842

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 20/100 | 31 | -0.011% | $1,203 | Mediocre 😐 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 22 loans, Score: 19/100 (Mediocre)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 22/100 | 28 | $16M | +0.037% | Acceptable 🙂 |
| Refinance | 19/100 | 10 | $6M | -0.070% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 37 | 0.01% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Diego | CA | 21 | 58/100 |
| Riverside | CA | 14 | 52/100 |

## Frequently Asked Questions

### What loan types does FRONTWAVE offer?

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

### Where does FRONTWAVE offer mortgages?

FRONTWAVE offers mortgages in 2 states: CA, NC.

### What type of lender is FRONTWAVE?

FRONTWAVE is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Oceanside, CA.

### What is FRONTWAVE's loan approval success rate?

FRONTWAVE has a pull-through score of 27/100 (Acceptable). 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/frontwave

### How to Cite

> "FRONTWAVE Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/frontwave

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