Frontier Investment Co.
Mortgage Loan Application
Totals and Details
for 2007

Mortgage Company & Address Frontier Investment Co.
1200 Executive Parkway Suite 430
Eugene, OR 97401
Tel #: available with data download
Federal Regulator * available with data download
Years 2008  2007  2006  2005  
Total Number of Mortgage Applications 1,681
Total Mortgage Loan Application Amount $384,870,000
Average Mortgage Loan Application Amount $227,808
Highest Mortgage Loan Application Amount $1,500,000
Average Applicant Income $73,262
Highest Applicant Income $1,487,000
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Mortgage Loan Application Detail Totals for Frontier Investment Co. in 2007

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 1,187 $266,893,000 $224,000 $1,500,000 $68,000 $1,487,000
Refinancing 688 $159,346,000 $231,000 $1,000,000 $79,000 $600,000
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 1,344 $305,342,000 $227,000 $1,000,000 $74,000 $1,487,000
Hispanic 264 $58,039,000 $219,000 $750,000 $57,000 $343,000
Asian 95 $24,167,000 $254,000 $800,000 $133,000 $1,258,000
Black or African American 79 $20,046,000 $253,000 $1,500,000 $62,000 $332,000
Not Provided 68 $13,109,000 $192,000 $640,000 $36,000 $249,000
Native Hawaiin or Other Pacific Islander 18 $4,058,000 $225,000 $480,000 $73,000 $204,000
American Indian or Alaskan Native 7 $1,478,000 $211,000 $295,000 $78,000 $133,000
Not applicable 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) 1,875 $426,239,000 $227,000 $1,500,000 $73,000 $1,487,000
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
Loan Originated 717 $150,307,000 $209,000 $1,000,000 $66,000 $336,000
Application Withdrawn By Applicant 502 $111,974,000 $223,000 $1,500,000 $66,000 $864,000
Application Denied By Financial Institution 445 $114,067,000 $256,000 $1,000,000 $84,000 $1,487,000
Application Approved But Not Accepted 131 $31,178,000 $238,000 $920,000 $100,000 $1,258,000
File Closed For Incompleteness 69 $16,524,000 $239,000 $1,000,000 $71,000 $480,000
Loan Purchased By The Institution 11 $2,189,000 $199,000 $247,000 $32,000 $56,000
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
Credit History 132 $32,382,000 $245,000 $1,000,000 $72,000 $300,000
Other 82 $21,604,000 $263,000 $910,000 $87,000 $540,000
Debt-To-Income Ratio 51 $14,205,000 $278,000 $695,000 $77,000 $332,000
Employment History 39 $11,801,000 $302,000 $960,000 $163,000 $1,487,000
Collateral 32 $8,564,000 $267,000 $680,000 $91,000 $236,000
Unverifiable Information 24 $7,172,000 $298,000 $945,000 $114,000 $317,000
Insufficient Cash (Downpayment, Closing Cost) 8 $2,057,000 $257,000 $420,000 $61,000 $132,000
Mortgage Insurance Denied 2 $462,000 $231,000 $299,000 $211,000 $222,000
Credit Application Incomplete 2 $575,000 $287,000 $375,000 $81,000 $112,000
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