Applications / Mortgage Analytics / Lenders / Oklahoma / Regent Bank
Tulsa, OK · State non-member bank · FDIC · $2.0 billion assets · 272 loans in 2025
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272
loans originated, 2025
350
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Regent Bank, an Oklahoma lender mostly to home buyers, makes a larger share of its loans in lower-income neighborhoods than about nine in ten similar lenders.
Low- and moderate-income (LMI) areas took 31.9% of its loans, against 17.2% at similar lenders (state non-member banks making between half and twice as many loans). Majority-minority areas took 23.9%, against 6.5%. Both shares rose from 2024. Its share to LMI borrowers, 29.9%, was near the middle of its peers.
Originations rose 11%, to 272, against 8% at similar lenders and 10% for the whole market. That is still below the 323 loans of 2021. Purchases made up 61.8% of its loans, and its typical loan, $205,000, was higher than at about three in five peers.
It has lent in Tulsa, OK since 2009 and ranked 44 of 476 lenders there, with 0.5%, unchanged from 2024. Its share of Springfield, MO rose 0.3 points to 0.3%, and in 2025 it first lent in Houston-Pasadena-The Woodlands.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Regent Bank took 350 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.8% · Refinance 35.7% · Home improvement 1.8% · Other 0.7%
Conventional 96.0% · VA 2.6% · FHA 1.1% · USDA (RHS or FSA) 0.4% · of 272 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 | 223 | 82.0% |
| Missouri | 33 | 12.1% |
| Texas | 7 | 2.6% |
| Florida | 3 | 1.1% |
| Colorado | 2 | 0.7% |
| Alabama | 1 | 0.4% |
| Arkansas | 1 | 0.4% |
| Idaho | 1 | 0.4% |
| South Carolina | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 113 |
| Oklahoma City | 80 |
| Springfield | 23 |
| Dallas-Plano-Irving | 5 |
| Joplin | 3 |
| Augusta-Richmond County | 1 |
| Denver-Aurora-Centennial | 1 |
| Enid | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BSTNYSV3EWYM24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 309655 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 34160 | 2009–2017 |
Established 1 January 1898. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Regent Bank's data.
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