Applications / Mortgage Analytics / Lenders / Oklahoma / First National Bank of Oklahoma
Oklahoma City, OK · National bank · OCC · $912 million assets · 234 loans in 2025
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234
loans originated, 2025
248
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Oklahoma makes small loans and lends more in poorer neighborhoods than about nine in ten similar banks.
Refinancing made up 45.7% of its loans and purchases 44.4%. Its typical loan was $130,000, against $205,000 at similar lenders, national banks making between half and twice as many loans. That was smaller than at almost nine in ten of them.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 29.6% of its loans, against 15.8% at similar lenders. LMI borrowers took 36.0%, up from 25.0% in 2024 and well above peers' 24.7%. Neighborhoods where most residents are minorities took 26.5%, against 7.4%.
Its loans fell 4% in 2025, to 234, while similar lenders grew by 5%. It made 393 loans in 2022. With refinancing so large a part of its business, fewer refinance applications may account for some of the fall. On a count this size, a handful of loans moves the yearly change. The money it lent rose all the same, to $63.5 million from $52.7 million.
In Oklahoma City it ranked 42 of 534 lenders, and its share rose to 0.6% from 0.5%; First United Bank and Trust Company led. It also lends in markets far from home, such as Salinas and Cape Coral-Fort Myers, where its shares are small.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 National Bank of Oklahoma took 248 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 45.7% · Purchase 44.4% · Home improvement 5.1% · Other 4.7%
Conventional 100.0% · of 234 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 | 230 | 98.3% |
| Colorado | 2 | 0.9% |
| California | 1 | 0.4% |
| Florida | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 139 |
| Tulsa | 14 |
| Lawton | 2 |
| Cape Coral-Fort Myers | 1 |
| Denver-Aurora-Centennial | 1 |
| Salinas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OBYIDGN0LRQS38 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 525053 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 111397 | 1990–2017 |
Established 1 January 1917. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank of Oklahoma's data.
First National Bank of Oklahoma's data
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First National 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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