Applications / Mortgage Analytics / Lenders / Oklahoma / All Capital Bank
Locust Grove, OK · State member bank · FRS · 113 loans in 2025
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113
loans originated, 2025
115
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
All Capital Bank, an Oklahoma bank that first reported in 2025, makes almost nothing but home-purchase loans and lends far more in poorer neighborhoods than similar lenders do.
2025 is its first year in the public HMDA record, so there is no earlier year to compare. Its 113 loans put it near the middle of similar lenders (state member banks making between half and twice as many loans). The $23.3 million it lent was lower than at most of them, against $34.4 million for the group.
Purchases were 86.7% of its loans, and all were conventional. Its typical loan, $175,000, matched that of similar lenders.
It lends heavily in low- and moderate-income (LMI) areas: 42.9% of its loans, against 16.4% at similar lenders, higher than at nearly all of them. Its share in majority-minority areas, 22.1%, was also higher, against 5.2%. The difference lies in where it lends rather than whom. Its share to LMI borrowers, 29.4%, was near the middle.
Tulsa, OK is its main metro market. It ranked 55 of 476 lenders there, with 0.4%, behind Associated Mortgage and Arvest Bank. It lent across 14 counties in two states.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. All Capital Bank took 115 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 86.7% · Refinance 8.8% · Other 2.7% · Home improvement 1.8%
Conventional 100.0% · of 113 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 | 112 | 99.1% |
| Kansas | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 90 |
| Oklahoma City | 2 |
| Wichita | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900467HCJ72XZNJ32 | 2025–2025 |
Established 6 June 1949. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: All Capital Bank's data.
All Capital Bank's data
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All Capital 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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