FRONTWAVE
FRONTWAVE received 711 applications in 2025 and made 370 mortgages, in 23 counties across 4 states. The median rate its borrowers got was 7.500% on a median loan of $125,000. Of 601 decisions, 199 were denials — 33.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300PEQH6YK4DH0490 |
|---|---|
| Applications received | 711 |
| Mortgages made | 370 |
| Denied | 199 |
| Approved, not taken up | 32 |
| Withdrawn or incomplete | 110 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.5265 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 28 | 6.000% | $630,000 | 28.0% |
| Refinancing | 71 | 7.500% | $155,000 | 32.7% |
| Cash-out refinancing | 146 | 7.250% | $105,000 | 28.2% |
| Other purposes | 125 | 7.500% | $105,000 | 39.5% |
Where FRONTWAVE lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| San Diego County, CA | 178 | 7.500% | 29.0% |
| Riverside County, CA | 107 | 7.500% | 32.8% |
| San Bernardino County, CA | 69 | 7.500% | 37.3% |
| Los Angeles County, CA | 4 | Under 10 loans | 60.0% |
| Orange County, CA | 4 | Under 10 loans | 42.9% |
| Fresno County, CA | 1 | Under 10 loans | 0.0% |
| Imperial County, CA | 1 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 1 | Under 10 loans | 50.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Siskiyou County, CA | 1 | Under 10 loans | 50.0% |
| Sonoma County, CA | 1 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 0.0% |
| Craven County, NC | 1 | Under 10 loans | 0.0% |
| Yuma County, AZ | 0 | Under 10 loans | 100.0% |
| Alameda County, CA | 0 | Under 10 loans | 100.0% |
| Placer County, CA | 0 | Under 10 loans | 100.0% |
| Ventura County, CA | 0 | Under 10 loans | 100.0% |
| Yolo County, CA | 0 | Under 10 loans | 100.0% |
| Yuba County, CA | 0 | Under 10 loans | Not published |
| Johnston County, NC | 0 | Under 10 loans | Not published |
| Onslow County, NC | 0 | Under 10 loans | 100.0% |
| El Paso County, TX | 0 | Under 10 loans | 100.0% |
| Kleberg County, TX | 0 | Under 10 loans | 100.0% |
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When FRONTWAVE’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.