Applications / Mortgage Analytics / Lenders / Oklahoma / American Nation Bank
Ardmore, OK · State member bank · FRS · $684 million assets · 72 loans in 2025
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72
loans originated, 2025
96
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Nation Bank, a small Oklahoma lender, makes small loans and more of them on manufactured homes than most banks of its size; its 72 loans in 2025 were 18% more than in 2024 but about half the 145 of five years before.
Its typical loan was $90,000, against $175,000 at similar lenders, state member banks making between half and twice as many loans. That puts it among the lowest tenth of them. Manufactured homes made up 13.9% of its loans, against 2.1%, more than at nearly nine in ten peers. Refinances were 47.2% of its lending and home purchases 37.5%. Every loan was conventional, and none was jumbo (larger than the conforming limit).
Its loans rose 18% from 61, faster than the 8% at similar lenders and the 10% for the whole market. That is more growth than at about three in five peers. Yet it still made fewer loans than the 82 of 2023, and about half the 151 of 2022.
Majority-minority areas took 11.1% of its loans, against 6.2% at peers. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 12.5%, against 17.0%, lower than at about two-thirds of peers. Its share to LMI borrowers, 23.2%, was also below the 27.0% at peers. A possible reason is its footprint: 17 counties in four states, many of them outside big cities.
Its largest market is non-metro Oklahoma, where it has lent since 2011 and ranked 62 of 538 lenders. Rocket Mortgage led there, ahead of First United Bank and Trust Company.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Nation Bank took 96 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.2% · Purchase 37.5% · Other 9.7% · Home improvement 5.6%
Conventional 100.0% · of 72 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 | 67 | 93.1% |
| Texas | 3 | 4.2% |
| Arkansas | 1 | 1.4% |
| New Mexico | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Worth-Arlington-Grapevine | 1 |
| Lawton | 1 |
| Oklahoma City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001YBS0V28ZNVE97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 256058 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 117764 | 2011–2015 |
| Respondent ID (the HMDA filer code before 2018) | 2256058 | 2016–2017 |
Established 2 May 1983. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: American Nation Bank's data.
American Nation Bank's data
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