Applications / Mortgage Analytics / Lenders / Oklahoma / First Bank of Owasso
Owasso, OK · State non-member bank · FDIC · $584 million assets · 55 loans in 2025
First Bank of Owasso's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
55
loans originated, 2025
59
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bank of Owasso, a Tulsa home-purchase lender, makes a far larger share of its loans in low- and moderate-income (LMI) and majority-minority neighborhoods than similar lenders do.
Home purchases were 81.8% of its 55 loans; refinancing and home improvement took 7.3% each. All its loans were conventional, and it made no manufactured-home loans. Its typical loan of $175,000 was near the middle of similar lenders (state non-member banks making between half and twice as many loans).
LMI neighborhoods took 43.6% of its loans, against 18.5% at its peers, higher than about nine in ten of them. Majority-minority neighborhoods took 36.4%, against 6.4%. Both shares were close to their 2024 levels. The parts of Tulsa it serves may account for them.
It made 55 loans, down 13% from 63, while similar lenders grew 7% and the whole market 10%. It made 103 loans in 2018 and filed no report for 2020 to 2022, a gap in the record. In Tulsa, where it has lent since 1990, it ranked 63 of 476 and its share slipped to 0.3% from 0.4%, which its smaller number of loans may explain. In 2025 it also reported loans in the Nashville area and rural Missouri for the first time, on a very small 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First Bank of Owasso took 59 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.8% · Home improvement 7.3% · Refinance 7.3% · Other 3.6%
Conventional 100.0% · of 55 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 | 53 | 96.4% |
| Missouri | 1 | 1.8% |
| Tennessee | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 53 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300X9F6RDCRU0HK78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 637554 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318592 | 1990–2017 |
Established 8 September 1962. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Bank of Owasso's data.
First Bank of Owasso's data
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First Bank of Owasso and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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