Applications / Mortgage Analytics / Lenders / Missouri / Frontier Financial
Chesterfield, MO · Independent non-bank lender · CFPB · 269 loans in 2025
Frontier Financial's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
269
loans originated, 2025
274
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Frontier Financial, a non-bank in Chesterfield, Missouri, lends to home buyers of modest means, using government-backed loans far more than similar lenders.
Home purchases made up 93.7% of its loans. It used FHA insurance (from the Federal Housing Administration) on 35.3%, about twice the 17.5% at similar lenders, independent non-banks making between half and twice as many loans. It also made VA loans (guaranteed by the Department of Veterans Affairs), 6.3%, and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service), 3.3%; at the middle of its peers the RHS share was 0.0%.
Its typical loan was $185,000, against $335,000 at its peers, smaller than at more than four in five of them. Half its borrowers, 50.2%, had low or moderate incomes, against 21.1% at similar lenders, higher than at about nineteen in twenty. That share was 35.1% in 2020.
Though based in Missouri, it lends most in Iowa. In Des Moines-West Des Moines it ranked 57 of 396 lenders with 0.3% of the dollars lent, unchanged; GreenState Credit Union and Veridian Credit Union lead there. In St. Louis it ranked 109 of 637. In Ames its share rose to 0.2% from 0.1%. It made 269 loans across 40 counties in 3 states.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Frontier Financial took 274 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 93.7% · Refinance 6.3%
Conventional 55.0% · FHA 35.3% · VA 6.3% · USDA (RHS or FSA) 3.3% · of 269 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Iowa | 173 | 64.3% |
| Missouri | 52 | 19.3% |
| Illinois | 44 | 16.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 83 |
| Des Moines-West Des Moines | 75 |
| Chicago-Naperville-Schaumburg | 6 |
| Ames | 5 |
| Peoria | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MMQJ2MM37FDE66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3842377 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 71765100005 | 2006–2017 |
Established date not on record. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Frontier Financial's data.
Frontier Financial's data
$215
Frontier Financial and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Frontier Financial's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]