Applications / Mortgage Analytics / Lenders / Oklahoma / McClain Bank
Purcell, OK · State non-member bank · FDIC · $282 million assets · 144 loans in 2025
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144
loans originated, 2025
186
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
McClain Bank, a small Oklahoma bank that lends in a single metro, made 47% more loans in 2025, faster growth than nearly nine in ten similar banks.
It made 144 loans, after 104 in 2023 and 98 in 2024. Similar lenders (state non-member banks making between half and twice as many loans) typically grew 9%, and the whole market 10%. It remains well below 2020, when it made 336. Its share of Oklahoma City, where it has lent since at least 1990, doubled to 0.4% from 0.2%, ranking it 63 of 534.
Refinances made up 56.9% of its loans and purchases 39.6%. Nearly all, 95.8%, were conventional. The rest, 4.2%, were RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service), too few to read much into. Its typical loan, $155,000, was smaller than the $175,000 typical of similar lenders.
Low- and moderate-income (LMI) neighborhoods received 35.9% of its loans, against 17.2% at similar banks, higher than about nine in ten. Majority-minority neighborhoods took 23.3%, against 4.9%. Both shares rose from 2024, when they were 27.6% and 11.4%. LMI borrowers took 32.8%, against 28.2%. With 144 loans in seven counties, these shares follow where its borrowers happen to live and can swing from year to year.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. McClain Bank took 186 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 56.9% · Purchase 39.6% · Home improvement 2.8% · Other 0.7%
Conventional 95.8% · USDA (RHS or FSA) 4.2% · 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 | 133 | 92.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 133 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VWTT8C7CZNY023 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 648251 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112134 | 1990–2004 |
| Respondent ID (the HMDA filer code before 2018) | 34187 | 2005–2017 |
Established 8 March 1922. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: McClain Bank's data.
McClain Bank's data
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