Applications / Mortgage Analytics / Lenders / Oklahoma / American Bank of Oklahoma
Collinsville, OK · State non-member bank · FDIC · $395 million assets · 269 loans in 2025
American Bank of Oklahoma's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
269
loans originated, 2025
335
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Bank of Oklahoma leans on government-backed loans that the typical similar bank does not make, and its lending has shrunk every year since 2020.
FHA loans (insured by the Federal Housing Administration) were 29.4% of its loans and VA loans (guaranteed by the Department of Veterans Affairs) 5.6%. The typical similar lender (a state non-member bank making between half and twice as many loans) made none of either. Home purchases were 65.1% of its lending.
Higher-priced loans (a rate well above the average for similar loans) were 8.6% of its lending, against 1.9% at its peers. Its large FHA share and its manufactured homes, 4.1% of its loans, are possible reasons. Yet its typical rate, 6.50%, was lower than at nearly nine in ten peers, and its home-purchase denial rate, 4.8%, was close to their 4.9%.
Low- and moderate-income (LMI) neighborhoods took 31.3% of its loans, against 17.2% at its peers, up from 18.7% in 2024. Majority-minority areas took 23.1%, against 6.5%.
Its loans fell 25% in 2025 while similar lenders grew 8%, a lower figure than at about nineteen in twenty of them. Its originations peaked at 969 in 2020. In Tulsa it ranks 48 of 476 with 0.4% of lending, down from 0.7%; its smaller volume is one possible reason. Associated Mortgage leads there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Bank of Oklahoma took 335 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.1% · Refinance 16.7% · Home improvement 12.3% · Other 5.9%
Conventional 62.5% · FHA 29.4% · VA 5.6% · USDA (RHS or FSA) 2.6% · of 269 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 | 268 | 99.6% |
| Florida | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 122 |
| Fort Smith | 3 |
| Enid | 1 |
| Palm Bay-Melbourne-Titusville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ON2ILGPUVKZT28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2684552 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334606 | 2001–2017 |
Established 1 April 1998. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: American Bank of Oklahoma's data.
American Bank of Oklahoma's data
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American Bank of Oklahoma 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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