Applications / Mortgage Analytics / Lenders / Oklahoma / Prism Bank
Buffalo, OK · State non-member bank · FDIC · $645 million assets · 46 loans in 2025
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46
loans originated, 2025
60
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Prism Bank made fewer loans in 2025 but much larger ones, spread into metros from St. George to New York, so its dollar volume rose while its count fell.
Originations fell 28% to 46, after 116 in 2023, while similar lenders (state non-member banks making between half and twice as many loans) rose 4%; its growth was among the lowest tenth of that group. Yet dollar volume rose from $19.5 million to $33.4 million, higher than more than four in five of them.
Its typical loan rose from $145,000 to $230,000, and 16.7% of loans were jumbo (larger than the conforming limit), against 1.7% for peers, a higher share than nine in ten of them. Its higher-priced share (a rate well above the average for similar loans) fell from 41.7% to 5.0%, near the middle of the group. Lending to higher-income borrowers in new markets would fit this.
It first lent in St. George, Dallas-Fort Worth, Detroit, Tampa and Dayton in 2025 and now reaches 9 states. In Oklahoma City its share rose to 0.3% from 0.1%, ranking 85 of 534 lenders.
LMI (low- and moderate-income) borrowers fell from 56.8% to 20.0% of its loans, lower than about seven in ten peers. Loans in majority-minority tracts, at 26.1%, remain higher than four in five peers. The move into new cities is one plausible reason, and with 46 loans a few borrowers move these shares.
Questions the data can answer next
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Prism Bank took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.2% · Purchase 41.3% · Home improvement 4.3% · Other 2.2%
Conventional 100.0% · of 46 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 | 36 | 78.3% |
| Texas | 3 | 6.5% |
| Florida | 1 | 2.2% |
| Michigan | 1 | 2.2% |
| Missouri | 1 | 2.2% |
| New Jersey | 1 | 2.2% |
| New York | 1 | 2.2% |
| Ohio | 1 | 2.2% |
| Utah | 1 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 34 |
| Albany-Schenectady-Troy | 1 |
| Austin-Round Rock-San Marcos | 1 |
| Dallas-Plano-Irving | 1 |
| Dayton-Kettering-Beavercreek | 1 |
| Kansas City | 1 |
| Lakewood-New Brunswick | 1 |
| Lawton | 1 |
| St. George | 1 |
| St. Petersburg-Clearwater-Largo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L7IR85QJ3SOP77 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 905356 | 2004–2023 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 324256 | 2023–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35994 | 1990–2016 |
Established 10 February 1930. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Prism Bank's data.
Prism Bank's data
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