Applications / Mortgage Analytics / Lenders / Oklahoma / Frontier State Bank
Oklahoma City, OK · State non-member bank · FDIC · $588 million assets · 87 loans in 2025
Frontier State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
87
loans originated, 2025
103
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Frontier State Bank nearly tripled its home lending in 2025, and about half its loans went to neighborhoods where most residents are minorities.
Its loans rose 190% in 2025, from 30 to 87. Almost no similar lender, a bank of the same type making between half and twice as many loans, grew faster; their typical growth was 9%, and the whole market's 10%. Refinancing made up 52.9% of its loans and purchases 43.7%. It made 76 loans in 2019 and filed no report for 2020 to 2022, when small banks need not file.
It made 51.7% of its loans in majority-minority neighborhoods, against 6.5% at its peers, and 46.5% in low- and moderate-income neighborhoods, against 18.4%. Few similar lenders come close on either measure. Both shares rose from 2024, the minority-area share more than doubling.
All its lending is in Oklahoma, where it has lent in Oklahoma City since at least 1990. Its share there rose to 0.2% from 0.1%, ranking it 99th of 534 lenders. First United Bank and Trust Company led the market. Its typical loan, $155,000, was a little below the $175,000 at its peers, and all its loans were conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Frontier State Bank took 103 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.9% · Purchase 43.7% · Other 3.4%
Conventional 100.0% · of 87 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 |
|---|---|---|
| Oklahoma | 87 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 86 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000W1FD1FMQ03060 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 632858 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 321978 | 1990–2017 |
Established 14 April 1975. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Frontier State Bank's data.
Frontier State Bank's data
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Frontier State Bank 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.
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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.
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