Applications / Mortgage Analytics / Lenders / Oklahoma / RCB Bank
Claremore, OK · State member bank · FRS · $4.1 billion assets · 612 loans in 2025
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612
loans originated, 2025
835
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RCB Bank is an Oklahoma bank focused on home purchases, with far more government-backed loans than similar lenders, and holds 1.1% of the Tulsa market.
FHA loans (insured by the Federal Housing Administration) were 9.6% of its lending, against 0.0% at similar lenders (state member banks making between half and twice as many loans), higher than about four in five of them. VA loans (guaranteed by the Department of Veterans Affairs) were 1.6% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 1.3%. Purchases made up 62.3% of its loans.
Originations rose 1% to 612, against 7% at similar lenders and 10% for the whole market, lower than about two in three of them. Its dollar volume rose to $138.3 million from $122.0 million. It made 1,650 loans five years before.
In Tulsa, where it has lent since before 1990, it ranked 19 of 476 lenders with 1.1% of the market, up from 1.0%; Associated Mortgage led. In Wichita its share fell to 0.4% from 0.6%, possibly from competition from the lenders above it, among them Peoples Bank and Trust Company. In Oklahoma City its share held at 0.2%.
Its typical rate was 6.41%, against 6.75% at similar lenders, lower than about four in five of them. Its home-purchase denial rate, 6.7%, was close to their 7.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. RCB Bank took 835 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.3% · Refinance 23.5% · Home improvement 9.2% · Other 5.1%
Conventional 87.4% · FHA 9.6% · VA 1.6% · USDA (RHS or FSA) 1.3% · of 612 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 | 488 | 79.7% |
| Kansas | 117 | 19.1% |
| Texas | 3 | 0.5% |
| Alabama | 2 | 0.3% |
| Arkansas | 1 | 0.2% |
| Missouri | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 244 |
| Oklahoma City | 47 |
| Wichita | 41 |
| Lawrence | 5 |
| Kansas City | 3 |
| Dallas-Plano-Irving | 2 |
| Daphne-Fairhope-Foley | 2 |
| Fort Smith | 2 |
| Enid | 1 |
| Fayetteville-Springdale-Rogers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549007W5PWUV8XG3V90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 945053 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315399 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 2945053 | 1998–2017 |
Established 14 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: RCB Bank's data.
RCB Bank's data
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