Applications / Mortgage Analytics / Lenders / Oklahoma / Blue Sky Bank
Pawhuska, OK · State member bank · FRS · $1.3 billion assets · 37 loans in 2025
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37
loans originated, 2025
42
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Blue Sky Bank, an Oklahoma bank, bought 35 home loans in 2025, nearly as many as the 37 it made itself.
It bought none in 2024. That puts it ahead of more than nine in ten similar lenders (state member banks making between half and twice as many loans), most of which bought none. Buying loans is now about as large a part of its mortgage business as making them.
It made 37 loans, down from 52 in 2024 and 83 in 2023. That was a fall of 29% in a year when similar lenders grew by 1%. The drop came as it began buying loans, so it may have turned part of its business toward purchases. Its typical loan, $185,000, was close to its peers' $195,000.
It first reported in 1992. In 2022 it merged with The American Bank, whose filings now count as its own; the merger may account for part of its 83 loans in 2023. It filed no HMDA report for 2020 to 2022; those are gaps in the record, not years without lending.
Low- and moderate-income neighborhoods took 29.7% of its loans, against 16.4% at similar lenders. Neighborhoods where most residents belong to minority groups took 27.0%, against 7.2%. Both are higher than at about four in five of its peers. On 37 loans, a few loans move these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Blue Sky Bank took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.3% · Refinance 29.7%
Conventional 100.0% · of 37 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 | 29 | 78.4% |
| Texas | 5 | 13.5% |
| Minnesota | 1 | 2.7% |
| Ohio | 1 | 2.7% |
| South Carolina | 1 | 2.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 15 |
| Houston-Pasadena-The Woodlands | 3 |
| Lawton | 3 |
| Columbus | 1 |
| Dallas-Plano-Irving | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Longview | 1 |
| Minneapolis-St. Paul-Bloomington | 1 |
| Oklahoma City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900E211LMPD5PAM20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 517357 | 2005–2023 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 577357 | 2006–2006 |
| Respondent ID (the HMDA filer code before 2018) | 314899 | 1992–2005 |
| Respondent ID (the HMDA filer code before 2018) | 2517357 | 2006–2017 |
Established 23 November 1905. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Blue Sky Bank's data.
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