Applications / Mortgage Analytics / Lenders / Oklahoma / First Bethany Bank & Trust
Bethany, OK · State member bank · FRS · $291 million assets · 68 loans in 2025
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68
loans originated, 2025
80
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bethany Bank & Trust, an Oklahoma City bank, grew faster than most similar lenders in 2025 and makes far more of its loans in low- and moderate-income (LMI) and majority-minority neighborhoods than they do.
It made 68 loans, up 48% from 46. Similar lenders (state member banks making between half and twice as many loans) grew 8% and the whole market 10%, so it grew faster than more than four in five of them. It has more than doubled since 2023, when it made 27 loans, and now makes more than the 63 it made in 2019. It filed no report for 2020 to 2022, a gap in the record.
LMI neighborhoods took 39.4% of its loans, against 17.6% at its peers, higher than about nine in ten of them. Majority-minority neighborhoods took 30.9%, against 6.8%. Both shares were much higher in 2024. New loans outside those neighborhoods, as its lending grew, may explain the change.
In Oklahoma City, where it has lent since 1990, its share rose to 0.2% from 0.1%, and it ranked 127 of 534 lenders. Home purchases made up 67.6% of its loans and refinancing 30.9%. All were conventional, with no manufactured homes.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bethany Bank & Trust took 80 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.6% · Refinance 30.9% · Home improvement 1.5%
Conventional 100.0% · of 68 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 | 68 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 62 |
| Lawton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M16942DXVSKE61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 988452 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112169 | 1990–2004 |
| Respondent ID (the HMDA filer code before 2018) | 2988452 | 2005–2017 |
Established 1 January 1923. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Bethany Bank & Trust's data.
First Bethany Bank & Trust's data
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First Bethany Bank & Trust 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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