Applications / Mortgage Analytics / Lenders / Oklahoma / First Liberty Bank
Oklahoma City, OK · State non-member bank · FDIC · $851 million assets · 144 loans in 2025
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144
loans originated, 2025
190
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Liberty Bank, an Oklahoma City lender, makes government-backed loans that its peers mostly do not, but its count fell 20% in 2025, to 144.
FHA loans (insured by the Federal Housing Administration) were 13.2% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 3.5%. The typical similar lender (state non-member banks making between half and twice as many loans) made none. Home purchases made up 76.4% of its loans.
Its typical loan was $240,000, against $175,000 at similar lenders, larger than at about three in four. Its 144 loans came to $50.4 million, more than the $36.4 million at peers.
Its count fell from 180 to 144 while similar lenders grew 9%, a steeper fall than at more than nine in ten of them. It made 561 loans in 2021. The decline could reflect a choice to lend less or weaker demand from its customers; the figures do not say which. In Oklahoma City, its largest market, it ranked 52 of 534 lenders, and its share slipped from 0.5% to 0.4%.
Majority-minority areas took 21.5% of its loans, against 4.9% at similar lenders, more than at about four in five. It also lends in Dallas-Fort Worth-Arlington.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Liberty Bank took 190 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.4% · Refinance 19.4% · Home improvement 4.2%
Conventional 83.3% · FHA 13.2% · VA 3.5% · of 144 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 | 114 | 79.2% |
| Texas | 26 | 18.1% |
| Arkansas | 1 | 0.7% |
| Colorado | 1 | 0.7% |
| Florida | 1 | 0.7% |
| Hawaii | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 105 |
| Dallas-Plano-Irving | 10 |
| Fort Worth-Arlington-Grapevine | 4 |
| Austin-Round Rock-San Marcos | 2 |
| San Antonio-New Braunfels | 2 |
| Waco | 2 |
| Brownsville-Harlingen | 1 |
| Fort Smith | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Kahului-Wailuku | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005WCUTOOZMTV053 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 898850 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314029 | 2008–2017 |
Established 12 December 1933. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: First Liberty Bank's data.
First Liberty Bank's data
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