Frontier Bank mortgage approval rate & lending review
Frontier Bank decided 577 mortgage applications and funded 554 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Frontier Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Frontier Bank at a glance
Approval is 14.5 points above the 84.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 224 / 228 | 96% | $335K | 216 |
| Refinance | 96% | 88 / 92 | 100% | $285K | 88 |
| Investment property purchase | 100% | 189 / 189 | 97% | $205K | 183 |
| Investment refinance | 100% | 45 / 45 | 100% | $235K | 45 |
Frontier Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Nebraska | 98% | $285K | 529 | 508 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Frontier Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Douglas County, NE | Mortgage lenders | 98% | 109 | 104 |
| Douglas County, NE | Investment property purchase | 100% | 84 | 82 |
| Lancaster County, NE | Investment property purchase | 100% | 66 | 64 |
| Lancaster County, NE | Mortgage lenders | 97% | 63 | 58 |
| Sarpy County, NE | Mortgage lenders | 100% | 43 | 42 |
| Lancaster County, NE | Refinance | 98% | 40 | 39 |
| Douglas County, NE | Refinance | 97% | 36 | 35 |
| Douglas County, NE | Investment refinance | 100% | 24 | 24 |
The county markets where Frontier Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Frontier Bank
What is Frontier Bank's mortgage approval rate?
Frontier Bank approved 98.4% of the 577 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.5 points above the 84.0% national rate for the same mix of loan types.
How often do borrowers take the loan Frontier Bank offers?
Borrowers accepted 98% of the loans Frontier Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Frontier Bank make?
The typical home purchase mortgage loan Frontier Bank made was $335K; across all loan types its typical loan ran from $205K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Frontier Bank lend?
Frontier Bank decided applications in 18 of the states Fat Boy Data covers, most of them in Nebraska, Missouri and Florida.
Can I apply to Frontier Bank directly?
Yes. Frontier Bank is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Frontier Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Frontier Bank treats applications, then get a rate quote from the lender.