Applications / Mortgage Analytics / Lenders / Oklahoma / Ameristate Bank
Atoka, OK · State member bank · FRS · $467 million assets · 76 loans in 2025
Ameristate Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
76
loans originated, 2025
104
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ameristate Bank is a small, steady lender of modest loans centred on Sherman-Denison, Texas, where its share rose in 2025, the year it first lent in Dallas-Fort Worth.
Similar lenders are state member banks making between half and twice as many loans. Its typical loan of $110,000 is lower than more than four in five of them, against $175,000 for the group, and it made no jumbo loans (larger than the conforming limit). Originations rose 7% to 76, near the middle of similar lenders and close to the whole market's 10%, and have stayed between 62 and 114 a year since 2018. Purchases were 44.7% of its loans and refinances 35.5%.
Its largest market is Sherman-Denison, Texas, where its share rose to 0.3% from 0.2%, ranking 71 of 343, and it first lent in the Dallas-Fort Worth area in 2025.
Its shares of loans to LMI (low- and moderate-income) borrowers and areas swung widely between years, which suggests they are built on very few loans; they are too small to read much into.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ameristate Bank took 104 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.7% · Refinance 35.5% · Other 11.8% · Home improvement 7.9%
Conventional 100.0% · of 76 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 |
|---|---|---|
| Texas | 18 | 23.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sherman-Denison | 17 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NXKD4J4RBJI403 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 508355 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2508355 | 2008–2017 |
Established 6 August 1906. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Ameristate Bank's data.
Ameristate Bank's data
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Ameristate 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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