Frontier Financial
Frontier Financial has 298 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 2 mkts
Awards
FHA
Superstar
Summary
What They Do Well
- Particularly strong in FHA and VA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Frontier Financial performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+49.0 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 186 | 62.4% | +0.405%Above | $2,197Fees | ||||
FHA Loans | 89 | 29.9% | +0.865%Above | $1,668Fees | ||||
VA Loans | — | 21 | 7.0% | +0.081%Above | $1,816Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume186
Mix62.4%
Spread
+0.405%Above
Fees
$2,197Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume89
Mix29.9%
Spread
+0.865%Above
Fees
$1,668Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughExceptional
Volume21
Mix7.0%
Spread
+0.081%Above
Fees
$1,816Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 275 | 92.3% | +0.496%Above | $2,194Fees | ||||
Refinance | 23 | 7.7% | +0.433%Above | $801Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughStrong
Volume275
Mix92.3%
Spread
+0.496%Above
Fees
$2,194Fees
Refinance
OverallSound
ProductAcceptable
PricingAcceptable
Pull ThroughStrong
Volume23
Mix7.7%
Spread
+0.433%Above
Fees
$801Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
298
Applications
312
Volume
$58 million
Pricing & Closing
Avg Rate Spread
+0.490%
vs. market APOR
Avg Net Fees
$2,050
Origination − Credits
Pullthrough Rate
95.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$197,248
Avg Borrower Income
$88,869
Avg Property Value
$228,121
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
5Midwest4
IAILMONE
South1
TX
Top Metro Areas by Place Specialization Score
Volume 94Mix 31.54% of portfolio
71/100
Strong
Volume 67Mix 22.48% of portfolio
68/100
StrongTop States by Place Specialization Score
1
IowaState
Volume 184Mix 61.74% of portfolio
73/100
Strong2
MissouriState
Volume 60Mix 20.13% of portfolio
60/100
Sound3
IllinoisState
Volume 52Mix 17.45% of portfolio
58/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.