Applications / Mortgage Analytics / Lenders / Oklahoma / Community Bank
Bristow, OK · State non-member bank · FDIC · $111 million assets · 63 loans in 2025
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63
loans originated, 2025
88
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Bank, based in Bristow, OK, lends more often than most of its peers to poorer borrowers and neighborhoods, and to buyers of manufactured homes.
Low- and moderate-income (LMI) borrowers took 37.5% of its loans and LMI neighborhoods 34.9%, against 26.9% and 18.8% at similar lenders (state non-member banks making between half and twice as many loans). Both were higher than at more than three-quarters of those peers. Its typical loan, $135,000, was smaller than at about seven in ten of them.
Manufactured homes took 11.1% of its loans, against 2.7% at similar lenders, more than at about eight in ten of them. Purchases made up 55.6% of its lending and refinances 33.3%. All its loans were conventional.
It made 63 loans, down 18% from 77, while similar lenders grew 9% and the whole market 10%. It filed no HMDA report for 2020 to 2022; those are gaps in the record, not years without lending. Its 84 loans in 2023 are the most in its recent record.
In Tulsa, OK, where it has lent since at least 1990, it ranked 99 of 476 lenders, and its share fell from 0.3% to 0.1%. Its lower volume could account for part of that, and more of its lending may have gone to the non-metro counties it serves. Associated Mortgage led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Community Bank took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.6% · Refinance 33.3% · Other 6.3% · Home improvement 4.8%
Conventional 100.0% · 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 | 50 |
| Oklahoma City | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930056PR716B2KIG98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 938550 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38975 | 1990–2017 |
Established 17 March 1924. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Community Bank's data.
Community Bank's data
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