Applications / Mortgage Analytics / Lenders / Oklahoma / First Security Bank and Trust Company
Oklahoma City, OK · State non-member bank · FDIC · $255 million assets · 176 loans in 2025
First Security Bank and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
176
loans originated, 2025
202
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Security Bank and Trust Company, an Oklahoma City bank, does most of its lending in poorer and majority-minority neighborhoods, more than nearly all similar lenders.
Low- and moderate-income (LMI) tracts took 54.4% of its loans, against 17.6% at similar lenders (state non-member banks making between half and twice as many loans). Majority-minority tracts took 49.4%, against 6.3%. Both shares are higher than at nearly all its peers, and both were high a year earlier, at 59.6% and 62.4%. The Oklahoma City neighborhoods it has long served could account for this.
LMI borrowers took 53.3% of its loans, up from 20.0% a year earlier and against 27.7% at peers. A swing that large in one year could reflect a change in whom it lent to, or in how incomes were recorded. The loan records would show which.
Purchases made up 81.3% of its loans. It made 176, up 12%, close to the 10% growth of peers and of the whole market. Its typical loan was $145,000, against $175,000 at peers. In Oklahoma City, where it has lent since at least 1990, it ranks 65 of 534 lenders with an unchanged 0.3% share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Security Bank and Trust Company took 202 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.3% · Refinance 18.8%
Conventional 100.0% · of 176 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 | 175 | 99.4% |
| Arkansas | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 150 |
| Tulsa | 9 |
| Lawton | 3 |
| Enid | 2 |
| Fayetteville-Springdale-Rogers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900KOW652UXXY2V12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 377850 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317001 | 1990–2017 |
Established 6 April 1951. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Security Bank and Trust Company's data.
First Security Bank and Trust Company's data
$215
First Security Bank and Trust Company 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.
Buy First Security Bank and Trust Company's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]