Applications / Mortgage Analytics / Lenders / Oklahoma / First Oklahoma Bank
Jenks, OK · State non-member bank · FDIC · $1.3 billion assets · 91 loans in 2025
First Oklahoma Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
91
loans originated, 2025
105
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Oklahoma Bank grew faster than three in four similar lenders in 2025, and 41.8% of its loans went to poorer neighborhoods (low- and moderate-income, or LMI, tracts).
Its loans rose 32% to 91, against 9% at similar lenders (state non-member banks making between half and twice as many loans). The dollar value more than tripled, to $56.2 million from $16.2 million. It is a partial recovery: the bank made 244 loans in 2020 and only 69 in both 2023 and 2024.
Its share of Tulsa, its largest market, rose to 0.8% from 0.2%, and it ranked 23 of 476 lenders. It has lent there since 2010. Associated Mortgage led the market, followed by Arvest Bank and BOKF.
LMI neighborhoods took 41.8% of its loans, against 18.2% at similar lenders, a higher share than at more than nine in ten of them. Majority-minority neighborhoods took 29.7%, against 6.4%. Neither is new: the shares were 42.1% and 31.7% in 2020.
Purchases made up 80.2% of its loans and refinances 16.5%. All were conventional. Its typical loan, $185,000, was close to the $175,000 at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Oklahoma Bank took 105 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.2% · Refinance 16.5% · Home improvement 3.3%
Conventional 100.0% · of 91 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 | 89 | 97.8% |
| Colorado | 1 | 1.1% |
| Texas | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 68 |
| Oklahoma City | 15 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KEXKSBTXDVT278 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 75259 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312484 | 2010–2017 |
Established 1 January 1923. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: First Oklahoma Bank's data.
First Oklahoma Bank's data
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First Oklahoma 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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