Applications / Mortgage Analytics / Lenders / Oklahoma / Liberty National Bank
Lawton, OK · National bank · OCC · $1.3 billion assets · 174 loans in 2025
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174
loans originated, 2025
192
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty National Bank made 50% more loans in 2025 than in 2024, growing faster than more than nine in ten similar banks, and gained share in Lawton, OK, its home market.
It made 174 loans, up from 116. Similar lenders (national banks making between half and twice as many loans) typically grew by 5%. The money it lent rose to $40.7 million from $29.6 million. Its count has swung between 105 and 217 since 2018, so 2025 returned it to its 2022 level.
In Lawton, OK it ranks 14 of 211 lenders, and its share rose from 1.3% to 1.8%. Mortgage Research Center leads that market. It has lent there since at least 1990. In Oklahoma City its share held at 0.2%.
All its loans were conventional. Purchases made up 66.1% and home improvement 13.2%. Its typical loan was $155,000, against $195,000 at similar lenders.
Low- and moderate-income (LMI) neighborhoods took 24.4% of its loans, against 15.3% at similar lenders, and majority-minority neighborhoods 24.7%, against 7.3%. On both it was higher than about four in five of them. LMI borrowers took 18.4%, against 25.0%; its focus on purchases is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Liberty National Bank took 192 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.1% · Refinance 16.7% · Home improvement 13.2% · Other 4.0%
Conventional 100.0% · of 174 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 | 157 | 90.2% |
| Texas | 13 | 7.5% |
| Florida | 2 | 1.1% |
| Missouri | 1 | 0.6% |
| New Mexico | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 73 |
| Lawton | 72 |
| Dallas-Plano-Irving | 6 |
| Fort Worth-Arlington-Grapevine | 3 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Joplin | 1 |
| St. Petersburg-Clearwater-Largo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300465MKS092D5K02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 68756 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311522 | 1990–1998 |
| Respondent ID (the HMDA filer code before 2018) | 123516 | 1999–2017 |
Established 1 January 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Liberty National Bank's data.
Liberty National Bank's data
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Liberty National 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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