Applications / Mortgage Analytics / Lenders / Oklahoma / FNB Community Bank
Midwest City, OK · State member bank · FRS · $475 million assets · 135 loans in 2025
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135
loans originated, 2025
198
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FNB Community Bank, a small Oklahoma lender, made more than half its 2025 loans in poorer neighborhoods, a higher share than at almost any similar bank.
Low- and moderate-income (LMI) neighborhoods took 53.7% of its loans, against 16.6% at similar lenders (state member banks making between half and twice as many loans), higher than at almost all of them. LMI borrowers took 37.8%, against 27.2%, more than at about four in five. All its lending is in one metro, so the areas it serves there shape these shares.
Its typical loan was $105,000, against $175,000 at peers, smaller than at nearly all of them. Home purchases were 43.0% of its loans, home improvement 22.2% and refinances 19.3%, all conventional. Home-improvement and other-purpose loans tend to be smaller and may account for some of the gap.
It made 135 loans, 2% more than in 2024, against 8% at similar lenders and 10% for the market. That follows a jump from 50 loans in 2021 to 128 in 2023. It filed no report for 2022, a gap in the record rather than a year without lending.
In Oklahoma City, OK, where it has lent since at least 1990, it ranked 84 of 534 lenders with 0.3% of the market, up 0.1 points.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. FNB Community Bank took 198 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.0% · Home improvement 22.2% · Refinance 19.3% · Other 15.6%
Conventional 100.0% · of 135 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 | 135 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 135 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YPUST7CSVL4680 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 839255 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114986 | 1990–2012 |
| Respondent ID (the HMDA filer code before 2018) | 2839255 | 2013–2017 |
Established 1 June 1943. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: FNB Community Bank's data.
FNB Community Bank's data
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FNB Community 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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