Applications / Mortgage Analytics / Lenders / Oklahoma / Kirkpatrick Bank
Edmond, OK · State non-member bank · FDIC · $1.0 billion assets · 85 loans in 2025
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85
loans originated, 2025
100
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kirkpatrick Bank, a state bank based in Edmond, Oklahoma, lends mainly to home buyers, and its typical loan is far larger than those of similar banks.
Its typical loan in 2025 was $315,000. Similar lenders, state non-member banks making between half and twice as many loans, typically lent $175,000, and Kirkpatrick's figure was higher than nearly nine in ten of them. Home purchases made up 71.8% of its loans, and a purchase loan is usually bigger than a home-improvement line or a small other-purpose loan.
Some 8.2% of its loans were guaranteed by the Department of Veterans Affairs (VA). Most similar banks made none. On 85 loans that is only a handful, too few to read much into, but unusual among banks of its kind.
Borrowers with low or moderate incomes (LMI) took 15.5% of its loans, against 27.7% at similar banks, lower than about four in five of them. Its share in poorer neighborhoods was also lower, 12.3% against 18.5%. One possible reason is its focus on larger purchase loans, which tend to go to buyers with higher incomes.
It has lent in Oklahoma City since at least 1990 and ranked 97 of 534 lenders there, with 0.2% of the market, the same as a year earlier. It has also lent in Colorado Springs since 2000 and Denver since 2001, with very small shares. It made 85 loans, down 4% on 2024, while similar banks grew 9%. On numbers this small the dip means little.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kirkpatrick Bank took 100 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.8% · Refinance 21.2% · Other 5.9% · Home improvement 1.2%
Conventional 90.6% · VA 8.2% · FHA 1.2% · of 85 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 | 55 | 64.7% |
| Colorado | 10 | 11.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 55 |
| Colorado Springs | 7 |
| Denver-Aurora-Centennial | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009EEWZ9S4F2BE94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 67151 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320156 | 1990–2017 |
Established 23 March 1970. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Kirkpatrick Bank's data.
Kirkpatrick Bank's data
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