Applications / Mortgage Analytics / Lenders / Oklahoma / First Enterprise Bank
Oklahoma City, OK · State non-member bank · FDIC · $198 million assets · 62 loans in 2025
First Enterprise Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
62
loans originated, 2025
65
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Enterprise Bank lends in poorer neighborhoods of Oklahoma City at about twice the rate of similar banks.
36.7% of its 62 loans in 2025 were in low- and moderate-income (LMI) neighborhoods, against 18.6% at similar lenders (state non-member banks making between half and twice as many loans). That is more than at nearly nine in ten of them, and close to its own 36.2% in 2024. Its share to LMI borrowers, 25.0%, sat near the middle.
21.7% of its loans were in majority-minority neighborhoods, against 6.5% at similar lenders, more than at about three-quarters of them. That was down from 31.7% in 2024. At 62 loans, a handful either way moves these shares.
Purchases were 62.9% of its loans and refinancing 37.1%, all conventional. Its typical loan, $205,000, was somewhat larger than the $165,000 at similar banks.
Its loans fell 3%, to 62, while similar lenders grew 8%, a difference of two loans from 64 in 2024. It ranked 106 of 534 lenders in Oklahoma City, its only metro, where it has lent since at least 1990. It filed no HMDA report for 2020 to 2022, a gap in the record, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Enterprise Bank took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.9% · Refinance 37.1%
Conventional 100.0% · of 62 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 | 60 | 96.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 60 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GQHFVUMVZAI777 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 315656 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 34049 | 1990–2017 |
Established 1 January 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Enterprise Bank's data.
First Enterprise Bank's data
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First Enterprise Bank 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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