Applications / Mortgage Analytics / Lenders / Oklahoma / Bank of Commerce
Chelsea, OK · State member bank · FRS · $186 million assets · 42 loans in 2025
Bank of Commerce's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
42
loans originated, 2025
77
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Commerce, a small Oklahoma bank, is a manufactured-home lender: such homes took 31.0% of its 42 loans in 2025, a business the typical similar bank does not do at all.
Manufactured homes took 31.0% of its loans. At the typical similar lender (state member banks making between half and twice as many loans) the share was 0.0%, and almost none had a higher share than it. All its loans were conventional, with none backed by the government.
Its typical loan was $110,000, against $185,000 at similar lenders, lower than at almost nine in ten of them. Manufactured homes, and the 19.0% of lending that went to each of home improvement and other purposes, may account for much of the gap.
Low- and moderate-income (LMI) neighborhoods took 26.2% of its loans, against 16.7% at peers, more than at about three in four of them. Its share of LMI borrowers, 26.5%, was near the middle. Volume held fairly steady at 42 loans, down 7%, while similar lenders grew by 6%.
It ranked 160 of 538 lenders in non-metro Oklahoma, where Rocket Mortgage led, and 219 of 476 in Tulsa, where Associated Mortgage led. A bank of its size, lending in seven counties, would hold small shares in markets of this scale.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Bank of Commerce took 77 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.9% · Home improvement 19.0% · Other 19.0% · Refinance 19.0%
Conventional 100.0% · of 42 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 | 42 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UBGRF9FQB7X471 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 152057 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313274 | 1990–1996 |
| Respondent ID (the HMDA filer code before 2018) | 2152057 | 1999–2017 |
Established 23 March 1896. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of Commerce's data.
Bank of Commerce's data
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