Frontier Community Credit Union Mortgage Rates, Fees & Info
Leavenworth, KSLEI: 549300HGCEIBDGBU7E37
Tax ID: 48-0663659
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Mortgage Data
Review & Overview
Frontier Community Credit Union is a smaller credit union specializing in Cash Out Refi, Home Purchase, and Refi loans. Frontier Community Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Kansas City, Topeka, Atchison, St. Joseph, and Great Bend among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)Frontier Community Credit Union has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Frontier Community Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.09% | 4/28/24 |
| 30 Year Conventional Refi | 6.02% | 4/28/24 |
| 30 Year Cash-out Refi | 6.99% | 4/28/24 |
| 15 Year Conventional Purchase | 5.87% | 4/28/24 |
| 15 Year Conventional Refi | 8.87% | 4/28/24 |
| 15 Year Cash-out Refi | 8.87% | 4/28/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Frontier Community Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
132Origination Dollar Volume (All Markets)
$16,270,000Awards
FRONTIER COMMUNITY CREDIT UNION - 2021
FRONTIER COMMUNITY CREDIT UNION is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 117 | $14,955,000 | $127,821 | $1,710 | 3.12% |
| TOPEKA, KS (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $2,484 | 2.93% |
| Atchison, KS (FHA|USDA|VA) | 6 | $240,000 | $40,000 | $308 | 3.67% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,343 | 2.88% |
| Outside of Metro Areas | 1 | $105,000 | $105,000 | $2,028 | 2.13% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.25% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $360 | 4.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against FRONTIER COMMUNITY CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 426
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 132 | $16,270,000 | $123,258 | $1,648 | 3.14% |
For 2021, Frontier Community Credit Union's most frequently originated type of loan was Conventional, with 132 originations.
Loan Reason
For 2021, Frontier Community Credit Union's most frequently cited loan purpose was Other, with 34 originations. The 2nd most popular reason was Cash Out Refi, with 29 originations.
Loan Duration/Length
For 2021, Frontier Community Credit Union's most frequently cited loan duration was 15 Year, with 52 originations. The 2nd most popular length was 30 Year, with 43 originations.
Origination Fees/Closing Costs
Frontier Community Credit Union's average total fees were $2,571, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 59 originations.
Interest Rates
During 2021, Frontier Community Credit Union's average interest rate for loans was 3.13%, while their most frequently originated rate bucket for loans was 3-4%, with 63 originations.
Loan Sizing
2021 saw Frontier Community Credit Union place emphasis on $100,000 or less loans with 65 originations, totaling $3,315,000 in origination value.
Applicant Income
Frontier Community Credit Union lent most frequently to those with incomes in the $50k-75k range, with 38 originations. The second most popular income band? $50k or less, with 35 originations.
Applicant Debt to Income Ratio
Frontier Community Credit Union lent most frequently to those with DTI ratios of 20-30%, with 36 originations. The next most common DTI ratio? 30-36%, with 26 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.30%
Frontier Community Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination69.70%
Frontier Community Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2170.9 | 1 | $75,000 | $75,000 |
| 2368.9 | 1 | $85,000 | $85,000 |
| 2373.4 | 1 | $85,000 | $85,000 |
| 2414.03 | 1 | $85,000 | $85,000 |
| 2436.53 | 1 | $95,000 | $95,000 |
| 2456.4 | 1 | $95,000 | $95,000 |
| 2616.4 | 1 | $85,000 | $85,000 |
| 2653.4 | 1 | $115,000 | $115,000 |
| 2684.65 | 1 | $125,000 | $125,000 |
| 2765.78 | 1 | $135,000 | $135,000 |
| 2797.15 | 1 | $135,000 | $135,000 |
| 2841.4 | 1 | $125,000 | $125,000 |
| 2922.15 | 1 | $75,000 | $75,000 |
| 3107.15 | 1 | $175,000 | $175,000 |
| 3256.4 | 1 | $205,000 | $205,000 |
| 3331.4 | 1 | $155,000 | $155,000 |
| 3483.09 | 1 | $225,000 | $225,000 |
| 3530.15 | 1 | $235,000 | $235,000 |
| 3548.4 | 1 | $245,000 | $245,000 |
| 3841.4 | 1 | $235,000 | $235,000 |
| 3851.4 | 1 | $185,000 | $185,000 |
| 3880.53 | 1 | $275,000 | $275,000 |
| 4032.4 | 1 | $115,000 | $115,000 |
| 4466.4 | 1 | $365,000 | $365,000 |
| 4633.4 | 1 | $265,000 | $265,000 |
| 4660.15 | 1 | $375,000 | $375,000 |
| 4761.15 | 1 | $215,000 | $215,000 |
| 6746.78 | 1 | $175,000 | $175,000 |
| NA | 104 | $11,510,000 | $110,673 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Fairway Independent Mortgage Corporation | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 11 | 22.9% |
| Fairway Independent Mortgage Corporation | Conventional home mortgage | Closing on a mortgage | 3 | 6.3% |
| Fairway Independent Mortgage Corporation | Conventional home mortgage | Struggling to pay mortgage | 3 | 6.3% |
| Fairway Independent Mortgage Corporation | Conventional home mortgage | Trouble during payment process | 11 | 22.9% |
| Fairway Independent Mortgage Corporation | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 4.2% |
| Fairway Independent Mortgage Corporation | FHA mortgage | Closing on a mortgage | 3 | 6.3% |
| Fairway Independent Mortgage Corporation | FHA mortgage | Struggling to pay mortgage | 1 | 2.1% |
| Fairway Independent Mortgage Corporation | FHA mortgage | Trouble during payment process | 2 | 4.2% |
| Fairway Independent Mortgage Corporation | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 2.1% |
| Fairway Independent Mortgage Corporation | Other type of mortgage | Closing on a mortgage | 3 | 6.3% |
| Fairway Independent Mortgage Corporation | Other type of mortgage | Struggling to pay mortgage | 1 | 2.1% |
| Fairway Independent Mortgage Corporation | Reverse mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 2.1% |
| Fairway Independent Mortgage Corporation | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 4.2% |
| Fairway Independent Mortgage Corporation | VA mortgage | Closing on a mortgage | 1 | 2.1% |
| Fairway Independent Mortgage Corporation | VA mortgage | Trouble during payment process | 3 | 6.3% |