Applications / Mortgage Analytics / Lenders / Oklahoma / Stride Bank
Enid, OK · National bank · OCC · $4.9 billion assets · 1,775 loans in 2025
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1,775
loans originated, 2025
2,212
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Stride Bank is an Oklahoma lender of home-purchase loans, many of them government-backed, that bought 3,525 loans in 2025, about double the 1,775 it made.
It bought 3,525 loans, up from 796, where the typical similar lender (national banks making between half and twice as many loans) bought 1. Five years before it made 60 loans; originations jumped to 1,498 in 2021 and rose 15% in 2025 to 1,775, against 10% at peers.
Home purchases were 92.3% of its loans. FHA loans (insured by the Federal Housing Administration) were 24.0%, VA (guaranteed by the Department of Veterans Affairs) 13.4% and RHS (guaranteed by the Department of Agriculture's Rural Housing Service) 1.6%, against 2.1%, 0.7% and 0.1% at peers, each higher than about nine in ten. Its higher-priced share (a rate well above the average for similar loans) was 2.1%, against 1.2%; its FHA lending is one ordinary reason. Its typical rate, 6.50%, matched peers'.
It ranked 4 of 534 lenders in Oklahoma City, where its share rose 0.5 points to 3.3%, behind First United Bank and Trust Company, Rocket Mortgage and United Wholesale Mortgage. In Tulsa it ranked 13 of 476, up 0.3 points to 2.0%. It lends in 34 states and entered Orlando, Cleveland, Cincinnati and Port St. Lucie in 2025.
LMI (low- and moderate-income) borrowers took 26.2% of its loans, close to peers' 26.5% and up from 19.5% five years before.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Stride Bank took 2,212 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 92.3% · Refinance 6.9% · Home improvement 0.5% · Other 0.3%
Conventional 61.0% · FHA 24.0% · VA 13.4% · USDA (RHS or FSA) 1.6% · of 1,775 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 | 1,406 | 79.2% |
| Missouri | 137 | 7.7% |
| Kansas | 81 | 4.6% |
| Texas | 48 | 2.7% |
| Arizona | 10 | 0.6% |
| Florida | 10 | 0.6% |
| Arkansas | 9 | 0.5% |
| Georgia | 9 | 0.5% |
| South Carolina | 5 | 0.3% |
| Washington | 5 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 880 |
| Tulsa | 319 |
| Kansas City | 190 |
| Austin-Round Rock-San Marcos | 20 |
| Enid | 19 |
| St. Joseph | 10 |
| Dallas-Plano-Irving | 7 |
| Houston-Pasadena-The Woodlands | 6 |
| Tucson | 6 |
| Lawton | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300O5WDIJU8S7OI05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 278555 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112044 | 1990–2017 |
Established 1 January 1913. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Stride Bank's data.
Stride Bank's data
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