Applications / Mortgage Analytics / Lenders / Oklahoma / BOKF
Tulsa, OK · National bank · OCC · $52.0 billion assets · 5,995 loans in 2025
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5,995
loans originated, 2025
11,003
applications, 2025
44
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BOKF is an Oklahoma bank lending in 44 states that makes far more government-backed loans than similar national banks, and holds 5.2% of the Tulsa market at rank 3.
Similar lenders are national banks making between half and twice as many loans. FHA (insured by the Federal Housing Administration) loans were 9.0% of its originations against 1.1%, and VA (guaranteed by the Department of Veterans Affairs) loans 2.4% against 0.6%, each higher than more than four in five similar lenders. Its FHA share has risen from 7.2% five years before.
Higher-priced loans (a rate well above the average for similar loans) were 4.5% of its originations against 0.8%, higher than about nine in ten similar lenders. Its larger FHA share is one possible reason. Its typical rate, 6.62%, matched similar lenders'.
Its Tulsa share held at 5.2%, behind Associated Mortgage and Arvest Bank. It gained in Denver, to 0.8% from 0.5%, and in Houston, to 0.5% from 0.4%, but fell in Albuquerque to 3.0% from 3.8%. Stronger national competitors there or the bank's own pricing choices could explain the fall.
Originations fell from 17,925 in 2020 to 5,595 in 2023, then rose 2%, like similar lenders and below the whole market's 10%. Its share of loans in majority-minority areas, 23.9% against 16.6%, was higher than about three-quarters of similar lenders, which may reflect its Texas and New Mexico markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BOKF took 11,003 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.6% · Refinance 17.6% · Home improvement 16.3% · Other 13.5%
Conventional 88.4% · FHA 9.0% · VA 2.4% · USDA (RHS or FSA) 0.3% · of 5,995 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 | 2,384 | 39.8% |
| Texas | 1,139 | 19.0% |
| Colorado | 853 | 14.2% |
| New Mexico | 772 | 12.9% |
| Arizona | 237 | 4.0% |
| Kansas | 200 | 3.3% |
| Missouri | 147 | 2.5% |
| Arkansas | 125 | 2.1% |
| Florida | 16 | 0.3% |
| Ohio | 13 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 1,417 |
| Oklahoma City | 678 |
| Albuquerque | 634 |
| Denver-Aurora-Centennial | 493 |
| Dallas-Plano-Irving | 363 |
| Houston-Pasadena-The Woodlands | 290 |
| Kansas City | 248 |
| Fort Worth-Arlington-Grapevine | 195 |
| Phoenix-Mesa-Chandler | 193 |
| Fayetteville-Springdale-Rogers | 109 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | FU7RSW4CQQY98A2O7J66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 339858 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113679 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9339858 | 2011–2017 |
Established 10 February 1910. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: BOKF's data.
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