Frontwave Credit Union mortgage approval rate & lending review
Frontwave Credit Union decided 1,309 mortgage applications and funded 904 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Frontwave Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Frontwave Credit Union at a glance
Approval is 1.6 points above the 71.2% 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 | 85% | 117 / 138 | 90% | $735K | 105 |
| Home improvement loans | 74% | 200 / 270 | 98% | $65K | 195 |
| Cash-out refinance | 70% | 398 / 568 | 95% | $105K | 377 |
| Refinance | 73% | 213 / 291 | 96% | $155K | 204 |
Frontwave Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 73% | $105K | 1,302 | 902 |
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 Frontwave Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Diego County, CA | Cash-out refinance | 75% | 261 | 185 |
| Riverside County, CA | Cash-out refinance | 68% | 170 | 110 |
| San Diego County, CA | Refinance | 73% | 151 | 103 |
| San Diego County, CA | Home improvement loans | 75% | 128 | 92 |
| San Bernardino County, CA | Cash-out refinance | 67% | 122 | 78 |
| Riverside County, CA | Refinance | 74% | 87 | 63 |
| Riverside County, CA | Home improvement loans | 76% | 68 | 51 |
| San Bernardino County, CA | Home improvement loans | 73% | 66 | 48 |
| San Bernardino County, CA | Refinance | 74% | 42 | 30 |
The county markets where Frontwave Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Frontwave Credit Union
What is Frontwave Credit Union's mortgage approval rate?
Frontwave Credit Union approved 72.8% of the 1,309 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.6 points above the 71.2% national rate for the same mix of loan types.
How often do borrowers take the loan Frontwave Credit Union offers?
Borrowers accepted 95% of the loans Frontwave Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Frontwave Credit Union make?
The typical cash-out refinance loan Frontwave Credit Union made was $105K; across all loan types its typical loan ran from $65K to $735K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Frontwave Credit Union lend?
Frontwave Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in California, North Carolina and Texas.
Can I apply to Frontwave Credit Union directly?
Yes. Frontwave Credit Union is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Frontwave Credit Union'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 Frontwave Credit Union treats applications, then get a rate quote from the lender.