Applications / Mortgage Analytics / Lenders / Oklahoma / American Exchange Bank
Henryetta, OK · State non-member bank · FDIC · $97.4 million assets · 63 loans in 2025
American Exchange Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
63
loans originated, 2025
94
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Exchange Bank, a small Oklahoma lender, makes modest loans, many of them on manufactured homes, and nearly half go to poorer neighborhoods.
Manufactured homes made up 22.2% of its loans, against 2.7% at similar lenders (state non-member banks making between half and twice as many loans), higher than about nine in ten of them. Its typical loan was $65,000, lower than almost all peers. Home improvement and other purposes took 20.6% each. Loans insured by the Federal Housing Administration (FHA) were 11.1%; the typical similar bank made none.
Borrowers with low and moderate incomes (LMI) took 40.4% of its loans, against 26.9% at peers, higher than more than four in five of them. Loans in poorer neighborhoods (LMI tracts) were 46.0%, against 18.8%. Only 1.6% were in majority-minority areas, against 6.7%; where it lends, 11 counties in one state, may explain that.
It made 63 loans, 9% fewer than in 2024, while similar lenders grew by 9%. It made 104 in 2023 and 110 in 2018. It filed no report for 2020 to 2022, gaps in the record rather than years without lending.
In Tulsa, OK it ranked 137 of 476 lenders, with 0.1% of the market, unchanged. Associated Mortgage led. It has lent there since 2004.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. American Exchange Bank took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.3% · Home improvement 20.6% · Other 20.6% · Refinance 17.5%
Conventional 88.9% · FHA 11.1% · of 63 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 | 63 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 43 |
| Fort Smith | 1 |
| Oklahoma City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008O0BGTGQR8PF89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 811550 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3428 | 2004–2017 |
Established 1 January 1933. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: American Exchange Bank's data.
American Exchange Bank's data
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