Frontier Bank, FSB Mortgage Lending & HMDA Data, 2011
In 2011, Frontier Bank, FSB of Rancho Mirage, CA reported 211 mortgage applications totaling $81.3 million. The average application was for $385,099, and applicants reported an average income of $159,023. 68% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (175), Riverside-San Bernardino-Ontario, CA (12) and Salt Lake City, UT (9) (applications in parentheses).
| Mortgage Company & Address | Frontier Bank, FSB 40101 Monterey Ave Building H Rancho Mirage, CA 92270 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 |
| Total Number of Mortgage Applications | 211 |
| Total Mortgage Loan Application Amount | $81,256,000 |
| Average Mortgage Loan Application Amount | $385,099 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $159,023 |
| Highest Applicant Income | $1,545,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Frontier Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 175 | $ 64,600,000 | $ 369,142 | $ 136,000 |
| Riverside-San Bernardino-Ontario, CA | 12 | $ 6,095,000 | $ 507,916 | $ 195,000 |
| Salt Lake City, UT | 9 | $ 5,218,000 | $ 579,777 | $ 449,000 |
| Santa Ana-Anaheim-Irvine, CA | 7 | $ 3,260,000 | $ 465,714 | $ 192,000 |
| Las Vegas-Paradise, NV | 2 | $ 297,000 | $ 148,500 | $ 89,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,037,000 | $ 518,500 | $ 146,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 251,000 | $ 251,000 | $ 109,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 160,000 | $ 160,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for Frontier Bank, FSB in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 121 | $41,297,000 | $341,000 | $1,913,000 | $126,000 | $1,400,000 |
| Refinancing | 88 | $38,509,000 | $437,000 | $2,400,000 | $187,000 | $1,290,000 |
| Home Improvement | 2 | $1,450,000 | $725,000 | $1,200,000 | $926,000 | $1,545,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 156 | $60,249,000 | $386,000 | $2,400,000 | $162,000 | $1,400,000 |
| Not Provided | 24 | $8,889,000 | $370,000 | $662,000 | $135,000 | $388,000 |
| Asian | 19 | $6,112,000 | $321,000 | $967,000 | $116,000 | $229,000 |
| Hispanic | 6 | $1,725,000 | $287,000 | $441,000 | $84,000 | $127,000 |
| Not applicable | 4 | $3,545,000 | $886,000 | $1,200,000 | $512,000 | $1,545,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $736,000 | $368,000 | $396,000 | $163,000 | $240,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 203 | $78,103,000 | $384,000 | $2,400,000 | $161,000 | $1,545,000 |
| FHA-insured (Federal Housing Administration) | 8 | $3,153,000 | $394,000 | $538,000 | $117,000 | $213,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 143 | $53,116,000 | $371,000 | $2,400,000 | $155,000 | $1,545,000 |
| Application Denied By Financial Institution | 50 | $20,201,000 | $404,000 | $1,000,000 | $160,000 | $559,000 |
| Application Withdrawn By Applicant | 12 | $4,726,000 | $393,000 | $525,000 | $110,000 | $284,000 |
| File Closed For Incompleteness | 3 | $2,663,000 | $887,000 | $1,200,000 | $621,000 | $1,400,000 |
| Application Approved But Not Accepted | 3 | $550,000 | $183,000 | $200,000 | $82,000 | $110,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 16 | $6,728,000 | $420,000 | $1,000,000 | $192,000 | $540,000 |
| Debt-To-Income Ratio | 13 | $6,009,000 | $462,000 | $1,000,000 | $126,000 | $338,000 |
| Unverifiable Information | 10 | $3,847,000 | $384,000 | $1,000,000 | $201,000 | $559,000 |
| Other | 5 | $2,302,000 | $460,000 | $730,000 | $173,000 | $312,000 |
| Credit Application Incomplete | 2 | $611,000 | $305,000 | $360,000 | $96,000 | $109,000 |
| Credit History | 2 | $179,000 | $89,000 | $100,000 | $34,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $390,000 | $390,000 | $390,000 | $114,000 | $114,000 |
| Mortgage Insurance Denied | 1 | $135,000 | $135,000 | $135,000 | $53,000 | $53,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Frontier Bank, FSB's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Frontier Bank, FSB's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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