Frontwave Credit Union

Oceanside, CA7(a) lenderNo approvals since FY2023Top sector: Gasoline Stations with Convenience Stores

Is this my lender?

Loans approved

217

FY2008–FY2023

Dollars approved

$136.4M

$16.2M since FY2021

Average loan

$628K

$899K recently

Charge-off rate

2.7%

by dollars · 10.6% by count

Approvals over time

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What they lend against

Gasoline Stations with Convenience Stores22 Specialized Freight (except Used Goods) Trucking, Local13 Beer, Wine, and Liquor Stores12 Full-Service Restaurants9 Supermarkets and Other Grocery Retailers (except Convenience Retailers)8 Convenience Stores7

Loan count by NAICS industry, whole record. Each row opens that industry’s profile, where this lender is ranked against everyone else writing it.

Where they lend

California214 · 99%Arizona3 · 1%

Share is of this lender’s entire book, so the 2 states shown need not sum to 100%. Together they account for 100% of its lending.

At a glance

Rank by recent volume#724 of 2321

First approvalFY2008

Latest approvalFY2023

States lent into2

What they charge

Too few recent 7(a) loans to quote a rate. Rates cluster on round numbers, so a median off a handful of loans reads as precise and is not.

Program mix

7(a) · 100% (217)504 · 0% (0)

Split by loan count.

7(a) $136.4M504 $0

Loss rate in context

This lender2.7%

Both programs, all lenders4.6%

Charged-off dollars over dollars approved. By loan count this lender is at 10.6%; the two measures diverge when a book is weighted toward small loans.

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