Applications / Mortgage Analytics / Lenders / Oklahoma / Bank7
Oklahoma City, OK · State member bank · FRS · $2.0 billion assets · 113 loans in 2025
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113
loans originated, 2025
120
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank7 made 26% fewer loans in 2025, a sharper drop than almost all similar lenders, yet its dollar volume rose, with a slightly larger share of jumbo loans.
Originations fell from 152 to 113 while the typical similar lender (a state member bank making between half and twice as many loans) grew 8% and the whole market 10%; only about one in twenty peers had a larger fall. Dollar volume still rose to $48.5 million from $45.9 million. The 2025 count is close to its 2020 and 2021 levels, so 2022 to 2024 may be the exception, perhaps helped by the 2021 merger with Cornerstone Bank.
Jumbo loans (larger than the conforming limit) were 4.8% of its lending against 1.4% for the typical peer, higher than about four in five similar lenders, up from 4.2%, even as its typical loan fell to $165,000 from $195,000.
Its 40.7% share in LMI (low- and moderate-income) tracts and 31.0% in majority-minority tracts are higher than over nine in ten peers, though both are down from 54.0% and 51.3% five years before. But 16.7% of borrowers were LMI, lower than about four in five peers. Higher-income buyers in lower-income tracts, or loans where income is not counted, could explain the gap.
In Oklahoma City, its main market since 2007, it ranks 45 of 534, with its share up to 0.5% from 0.4%. Its purchase and refinance applications were too few to give a denial rate.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank7 took 120 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.3% · Refinance 24.8% · Home improvement 0.9%
Conventional 100.0% · of 113 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 | 107 | 94.7% |
| Texas | 3 | 2.7% |
| Florida | 1 | 0.9% |
| Kansas | 1 | 0.9% |
| Michigan | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 98 |
| Dallas-Plano-Irving | 2 |
| Niles | 1 |
| Sherman-Denison | 1 |
| Tulsa | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003OO8EG0RKSFX83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 18854 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 218854 | 2007–2017 |
Established 6 May 1901. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Bank7's data.
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