Frontier Bank, FSB Mortgage Lending & HMDA Data, 2012
In 2012, Frontier Bank, FSB of Rancho Mirage, CA reported 7 mortgage applications totaling $5.9 million, down 97% from 2011. The average application was for $841,000, and applicants reported an average income of $16,571. 43% of its applications resulted in an originated loan and 57% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (4), Brunswick, GA (1) and Los Angeles-Long Beach-Glendale, CA (1) (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 | 7 |
| Total Mortgage Loan Application Amount | $5,887,000 |
| Average Mortgage Loan Application Amount | $841,000 |
| Highest Mortgage Loan Application Amount | $2,099,000 |
| Average Applicant Income | $16,571 |
| Highest Applicant Income | $116,000 |
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Act (HMDA) records Frontier Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 4 | $ 4,454,000 | $ 1,113,500 | $ 0 |
| Brunswick, GA | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 398,000 | $ 398,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Frontier Bank, FSB in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 4 | $2,733,000 | $683,000 | $1,300,000 | $29,000 | $116,000 |
| Home Purchase | 3 | $3,154,000 | $1,051,000 | $2,099,000 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 4 | $2,753,000 | $688,000 | $1,300,000 | $29,000 | $116,000 |
| Not applicable | 2 | $2,784,000 | $1,392,000 | $2,099,000 | $0 | $0 |
| Not Provided | 1 | $350,000 | $350,000 | $350,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 7 | $5,887,000 | $841,000 | $2,099,000 | $16,000 | $116,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 4 | $2,705,000 | $676,000 | $1,300,000 | $0 | $0 |
| Loan Originated | 3 | $3,182,000 | $1,060,000 | $2,099,000 | $38,000 | $116,000 |
| 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 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 2 | $1,650,000 | $825,000 | $1,300,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $850,000 | $850,000 | $850,000 | $0 | $0 |
| Debt-To-Income Ratio | 1 | $205,000 | $205,000 | $205,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Frontier Bank, FSB's 2012 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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