Frontier State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Frontier State Bank 2009 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Frontier State Bank 5100 S. I-35 Svc Rd Oklahoma City, OK 73129 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 348 |
| Total Mortgage Loan Application Amount | $65,521,000 |
| Average Mortgage Loan Application Amount | $148,000 |
| Highest Mortgage Loan Application Amount | $2,006,000 |
| Average Applicant Income | $92,333 |
| Highest Applicant Income | $1,500,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Frontier State Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Frontier State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Frontier State Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Frontier State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Frontier State Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Frontier State Bank's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma County Oklahoma | 83 | $ 11,628,000 | $ 140,000 | $ 76,000 |
| Cleveland County Oklahoma | 20 | $ 2,645,000 | $ 132,000 | $ 75,000 |
| Canadian County Oklahoma | 9 | $ 1,535,000 | $ 170,000 | $ 65,000 |
| Dallas County Texas | 8 | $ 2,448,000 | $ 306,000 | $ 168,000 |
| McClain County Oklahoma | 7 | $ 509,000 | $ 72,000 | $ 38,000 |
| Custer County Oklahoma | 6 | $ 702,000 | $ 117,000 | $ 70,000 |
| Tarrant County Texas | 6 | $ 1,466,000 | $ 244,000 | $ 153,000 |
| Los Angeles County California | 5 | $ 1,303,000 | $ 260,000 | $ 72,000 |
| Burlington County New Jersey | 5 | $ 1,948,000 | $ 389,000 | $ 199,000 |
| Garfield County Oklahoma | 5 | $ 723,000 | $ 144,000 | $ 63,000 |
| Grady County Oklahoma | 5 | $ 729,000 | $ 145,000 | $ 42,000 |
| Denton County Texas | 5 | $ 1,135,000 | $ 227,000 | $ 105,000 |
| Saline County Kansas | 4 | $ 440,000 | $ 110,000 | $ 55,000 |
| Maricopa County Arizona | 3 | $ 418,000 | $ 139,000 | $ 212,000 |
| Santa Clara County California | 3 | $ 674,000 | $ 224,000 | $ 73,000 |
| Jefferson County Colorado | 3 | $ 556,000 | $ 185,000 | $ 196,000 |
| Collier County Florida | 3 | $ 869,000 | $ 289,000 | $ 115,000 |
| Prince George's County Maryland | 3 | $ 409,000 | $ 136,000 | $ 70,000 |
| Middlesex County Massachusetts | 3 | $ 752,000 | $ 250,000 | $ 80,000 |
| Clark County Nevada | 3 | $ 448,000 | $ 149,000 | $ 178,000 |
| Collin County Texas | 3 | $ 549,000 | $ 183,000 | $ 73,000 |
| Washington County Arkansas | 2 | $ 284,000 | $ 142,000 | $ 62,000 |
| Orange County California | 2 | $ 404,000 | $ 202,000 | $ 87,000 |
| Riverside County California | 2 | $ 620,000 | $ 310,000 | $ 163,000 |
| Sonoma County California | 2 | $ 694,000 | $ 347,000 | $ 110,000 |
| New Haven County Connecticut | 2 | $ 606,000 | $ 303,000 | $ 78,000 |
| Sussex County Delaware | 2 | $ 462,000 | $ 231,000 | $ 142,000 |
| Lee County Florida | 2 | $ 637,000 | $ 318,000 | $ 142,000 |
| Orange County Florida | 2 | $ 293,000 | $ 146,000 | $ 92,000 |
| Fulton County Georgia | 2 | $ 502,000 | $ 251,000 | $ 88,000 |
| Cook County Illinois | 2 | $ 411,000 | $ 205,000 | $ 64,000 |
| Lake County Indiana | 2 | $ 238,000 | $ 119,000 | $ 52,000 |
| Sedgwick County Kansas | 2 | $ 502,000 | $ 251,000 | $ 817,000 |
| Norfolk County Massachusetts | 2 | $ 755,000 | $ 377,000 | $ 100,000 |
| Stevens County Minnesota | 2 | $ 365,000 | $ 182,000 | $ 51,000 |
| Bergen County New Jersey | 2 | $ 501,000 | $ 250,000 | $ 87,000 |
| Middlesex County New Jersey | 2 | $ 541,000 | $ 270,000 | $ 156,000 |
| Morris County New Jersey | 2 | $ 476,000 | $ 238,000 | $ 98,000 |
| Suffolk County New York | 2 | $ 480,000 | $ 240,000 | $ 38,000 |
| Logan County Oklahoma | 2 | $ 51,000 | $ 25,000 | $ 46,000 |
| McIntosh County Oklahoma | 2 | $ 202,000 | $ 101,000 | $ 153,000 |
| Washita County Oklahoma | 2 | $ 348,000 | $ 174,000 | $ 113,000 |
| Washington County Oregon | 2 | $ 588,000 | $ 294,000 | $ 137,000 |
| Delaware County Pennsylvania | 2 | $ 179,000 | $ 89,000 | $ 36,000 |
| Luzerne County Pennsylvania | 2 | $ 170,000 | $ 85,000 | $ 92,000 |
| Monroe County Pennsylvania | 2 | $ 382,000 | $ 191,000 | $ 48,000 |
| Sevier County Tennessee | 2 | $ 261,000 | $ 130,000 | $ 35,000 |
| Bexar County Texas | 2 | $ 353,000 | $ 176,000 | $ 98,000 |
| Grayson County Texas | 2 | $ 166,000 | $ 83,000 | $ 35,000 |
| Harris County Texas | 2 | $ 206,000 | $ 103,000 | $ 41,000 |
| Travis County Texas | 2 | $ 870,000 | $ 435,000 | $ 185,000 |
| King County Washington | 2 | $ 474,000 | $ 237,000 | $ 110,000 |
| Snohomish County Washington | 2 | $ 543,000 | $ 271,000 | $ 147,000 |
| Autauga County Alabama | 1 | $ 180,000 | $ 180,000 | $ 80,000 |
| Baldwin County Alabama | 1 | $ 273,000 | $ 273,000 | $ 225,000 |
| Coffee County Alabama | 1 | $ 200,000 | $ 200,000 | $ 115,000 |
| Pima County Arizona | 1 | $ 242,000 | $ 242,000 | $ 148,000 |
| Contra Costa County California | 1 | $ 322,000 | $ 322,000 | $ 94,000 |
| Fresno County California | 1 | $ 268,000 | $ 268,000 | $ 132,000 |
| Merced County California | 1 | $ 168,000 | $ 168,000 | $ 103,000 |
| Monterey County California | 1 | $ 168,000 | $ 168,000 | $ 100,000 |
| Sacramento County California | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| San Bernardino County California | 1 | $ 77,000 | $ 77,000 | $ 42,000 |
| San Diego County California | 1 | $ 414,000 | $ 414,000 | $ 125,000 |
| San Francisco County California | 1 | $ 572,000 | $ 572,000 | $ 330,000 |
| Stanislaus County California | 1 | $ 141,000 | $ 141,000 | $ 63,000 |
| Ventura County California | 1 | $ 399,000 | $ 399,000 | $ 94,000 |
| Pitkin County Colorado | 1 | $ 300,000 | $ 300,000 | $ 86,000 |
| Summit County Colorado | 1 | $ 417,000 | $ 417,000 | $ 426,000 |
| Fairfield County Connecticut | 1 | $ 225,000 | $ 225,000 | $ 178,000 |
| District of Columbia County District Of Columbia | 1 | $ 304,000 | $ 304,000 | $ 235,000 |
| Clay County Florida | 1 | $ 83,000 | $ 83,000 | $ 30,000 |
| Palm Beach County Florida | 1 | $ 200,000 | $ 200,000 | $ 56,000 |
| Cobb County Georgia | 1 | $ 182,000 | $ 182,000 | $ 144,000 |
| Honolulu County Hawaii | 1 | $ 450,000 | $ 450,000 | $ 1,084,000 |
| Sangamon County Illinois | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Will County Illinois | 1 | $ 151,000 | $ 151,000 | $ 61,000 |
| Cloud County Kansas | 1 | $ 87,000 | $ 87,000 | $ 56,000 |
| Ottawa County Kansas | 1 | $ 63,000 | $ 63,000 | $ 38,000 |
| Jefferson County Kentucky | 1 | $ 167,000 | $ 167,000 | $ 30,000 |
| Lincoln County Maine | 1 | $ 88,000 | $ 88,000 | $ 104,000 |
| Baltimore City County Maryland | 1 | $ 129,000 | $ 129,000 | $ 52,000 |
| Calvert County Maryland | 1 | $ 335,000 | $ 335,000 | $ 130,000 |
| Montgomery County Maryland | 1 | $ 416,000 | $ 416,000 | $ 204,000 |
| Franklin County Massachusetts | 1 | $ 218,000 | $ 218,000 | $ 516,000 |
| Suffolk County Massachusetts | 1 | $ 376,000 | $ 376,000 | $ 135,000 |
| Worcester County Massachusetts | 1 | $ 117,000 | $ 117,000 | $ 45,000 |
| Kalamazoo County Michigan | 1 | $ 217,000 | $ 217,000 | $ 142,000 |
| Le Sueur County Minnesota | 1 | $ 231,000 | $ 231,000 | $ 36,000 |
| Oktibbeha County Mississippi | 1 | $ 128,000 | $ 128,000 | $ 70,000 |
| Jackson County Missouri | 1 | $ 57,000 | $ 57,000 | $ 38,000 |
| St. Charles County Missouri | 1 | $ 154,000 | $ 154,000 | $ 96,000 |
| Missoula County Montana | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| Cheshire County New Hampshire | 1 | $ 392,000 | $ 392,000 | $ 122,000 |
| Hillsborough County New Hampshire | 1 | $ 352,000 | $ 352,000 | $ 119,000 |
| Cape May County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 78,000 |
| Monmouth County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 400,000 |
| Ocean County New Jersey | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Somerset County New Jersey | 1 | $ 264,000 | $ 264,000 | $ 100,000 |
| Sussex County New Jersey | 1 | $ 320,000 | $ 320,000 | $ 129,000 |
| Chaves County New Mexico | 1 | $ 47,000 | $ 47,000 | $ 65,000 |
| Colfax County New Mexico | 1 | $ 390,000 | $ 390,000 | $ 283,000 |
| Otero County New Mexico | 1 | $ 404,000 | $ 404,000 | $ 266,000 |
| Sandoval County New Mexico | 1 | $ 95,000 | $ 95,000 | $ 18,000 |
| Taos County New Mexico | 1 | $ 248,000 | $ 248,000 | $ 89,000 |
| Monroe County New York | 1 | $ 141,000 | $ 141,000 | $ 88,000 |
| Nassau County New York | 1 | $ 295,000 | $ 295,000 | $ 137,000 |
| Queens County New York | 1 | $ 330,000 | $ 330,000 | $ 106,000 |
| Rockland County New York | 1 | $ 324,000 | $ 324,000 | $ 154,000 |
| Durham County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 84,000 |
| Henderson County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 115,000 |
| Macon County North Carolina | 1 | $ 311,000 | $ 311,000 | $ 129,000 |
| Wake County North Carolina | 1 | $ 279,000 | $ 279,000 | $ 99,000 |
| Stark County North Dakota | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Franklin County Ohio | 1 | $ 189,000 | $ 189,000 | $ 77,000 |
| Miami County Ohio | 1 | $ 301,000 | $ 301,000 | $ 108,000 |
| Grant County Oklahoma | 1 | $ 234,000 | $ 234,000 | $ 87,000 |
| Jackson County Oklahoma | 1 | $ 144,000 | $ 144,000 | $ 54,000 |
| Kay County Oklahoma | 1 | $ 116,000 | $ 116,000 | $ 53,000 |
| Payne County Oklahoma | 1 | $ 111,000 | $ 111,000 | $ 73,000 |
| Pottawatomie County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Rogers County Oklahoma | 1 | $ 98,000 | $ 98,000 | $ 64,000 |
| Seminole County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 39,000 |
| Texas County Oklahoma | 1 | $ 187,000 | $ 187,000 | $ 100,000 |
| Columbia County Pennsylvania | 1 | $ 246,000 | $ 246,000 | $ 63,000 |
| Cumberland County Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 76,000 |
| Montgomery County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 66,000 |
| Kent County Rhode Island | 1 | $ 130,000 | $ 130,000 | $ 42,000 |
| Newport County Rhode Island | 1 | $ 208,000 | $ 208,000 | $ 71,000 |
| Fannin County Texas | 1 | $ 57,000 | $ 57,000 | $ 23,000 |
| Galveston County Texas | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Hopkins County Texas | 1 | $ 116,000 | $ 116,000 | $ 56,000 |
| Milam County Texas | 1 | $ 164,000 | $ 164,000 | $ 83,000 |
| Parker County Texas | 1 | $ 334,000 | $ 334,000 | $ 327,000 |
| Rockwall County Texas | 1 | $ 138,000 | $ 138,000 | $ 48,000 |
| Wood County Texas | 1 | $ 63,000 | $ 63,000 | $ 85,000 |
| Albemarle County Virginia | 1 | $ 271,000 | $ 271,000 | $ 99,000 |
| Goochland County Virginia | 1 | $ 279,000 | $ 279,000 | $ 90,000 |
| Hanover County Virginia | 1 | $ 262,000 | $ 262,000 | $ 98,000 |
| Henrico County Virginia | 1 | $ 285,000 | $ 285,000 | $ 99,000 |
| Loudoun County Virginia | 1 | $ 395,000 | $ 395,000 | $ 107,000 |
| Clark County Washington | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Kitsap County Washington | 1 | $ 210,000 | $ 210,000 | $ 102,000 |
| Brown County Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 52,000 |
| Laramie County Wyoming | 1 | $ 156,000 | $ 156,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Frontier State Bank in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 205 | $43,321,000 | $211,000 | $750,000 | $116,000 | $1,500,000 |
| Home Purchase | 128 | $21,172,000 | $165,000 | $2,006,000 | $80,000 | $516,000 |
| Home Improvement | 15 | $1,028,000 | $68,000 | $315,000 | $81,000 | $300,000 |
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 | 249 | $48,342,000 | $194,000 | $2,006,000 | $113,000 | $1,500,000 |
| Hispanic | 22 | $3,758,000 | $170,000 | $416,000 | $86,000 | $300,000 |
| Not Provided | 21 | $4,639,000 | $220,000 | $480,000 | $90,000 | $325,000 |
| Black or African American | 21 | $3,223,000 | $153,000 | $417,000 | $69,000 | $207,000 |
| Not applicable | 16 | $1,903,000 | $118,000 | $371,000 | $0 | $0 |
| Asian | 13 | $2,695,000 | $207,000 | $417,000 | $106,000 | $184,000 |
| American Indian or Alaskan Native | 6 | $961,000 | $160,000 | $530,000 | $82,000 | $279,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 305 | $58,822,000 | $192,000 | $2,006,000 | $106,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 33 | $5,099,000 | $154,000 | $274,000 | $66,000 | $203,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,427,000 | $178,000 | $482,000 | $81,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $173,000 | $86,000 | $116,000 | $39,000 | $56,000 |
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 | 215 | $38,861,000 | $180,000 | $2,006,000 | $100,000 | $1,084,000 |
| Application Denied By Financial Institution | 123 | $24,687,000 | $200,000 | $750,000 | $103,000 | $1,500,000 |
| Application Withdrawn By Applicant | 10 | $1,973,000 | $197,000 | $480,000 | $121,000 | $325,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Frontier State Bank's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Frontier State Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.