Applications / Mortgage Analytics / Lenders / Oklahoma / American Heritage Bank
Sapulpa, OK · State member bank · FRS · $1.4 billion assets · 199 loans in 2025
American Heritage Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
199
loans originated, 2025
302
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Heritage Bank, a bank based in Sapulpa, OK, ranks 30 of 476 lenders in Tulsa, and it lends in poorer neighborhoods far more than most banks its size.
Of its loans, 35.7% were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 16.2% at similar lenders (state member banks making between half and twice as many loans), higher than at nearly all of them. In 2020 the share was 21.9%. Majority-minority neighborhoods took 16.1%, against 4.4%.
It has lent in Tulsa since at least 1990, and its share there held at 0.7%. Associated Mortgage, Arvest Bank and BOKF lead that market. Its mergers with Osage Federal Bank in 2012, The Cleveland Bank in 2013 and Peoples Bank in 2020 count in its figures.
Purchases made up 67.8% of its loans and refinances 22.6%, all conventional. Its typical loan, $165,000, was lower than the $185,000 at similar lenders.
It made 199 loans, against 204 in 2024, a fall of 2% while similar lenders grew 8% and the market 10%. It made about 274 loans a year from 2018 to 2020, dropped to 134 in 2023 and recovered in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Heritage Bank took 302 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.8% · Refinance 22.6% · Home improvement 6.0% · Other 3.5%
Conventional 100.0% · of 199 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 | 197 | 99.0% |
| Arkansas | 1 | 0.5% |
| Florida | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 182 |
| St. Petersburg-Clearwater-Largo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007LU04D28P9RD79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 311050 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2311050 | 2001–2017 |
Established 15 June 1905. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: American Heritage Bank's data.
American Heritage Bank's data
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American Heritage Bank 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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