New to the record
It first reported under HMDA in 2024. Its loans rose 19%, to 86 from 72, faster than about two-thirds of similar lenders (state member banks making between half and twice as many loans), whose typical growth was 8%.
Applications / Mortgage Analytics / Lenders / Oklahoma / Local Bank
Local Bank
Hulbert, OK · State member bank · FRS · 86 loans in 2025
Local Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
86
loans originated, 2025
91
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Local Bank, an Oklahoma bank that first reported in 2024, grew its loans by about a fifth in 2025 and lends heavily in majority-minority neighborhoods.
Minority neighborhoods
Majority-minority neighborhoods took 39.5% of its loans, against 5.6% at similar lenders, higher than nearly all of them. Its share in poorer neighborhoods (low- and moderate-income tracts), 18.6%, was close to peers' 16.4%.
Rural Oklahoma first
Non-metro Oklahoma is its largest market, where it ranks 40 of 538; Rocket Mortgage leads. It ranks 69 of 241 around Fort Smith. In 2025 it began lending in Oklahoma City and Enid; in Enid its share rose 0.2 points.
A purchase lender
Purchases made up 55.8% of its loans and refinances 31.4%, all conventional. Its typical loan, $155,000, was below peers' $175,000. Manufactured homes took 7.0%.
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, 2024–2025
86 loans in 2025, its most in any year since 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Local Bank took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
55.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 55.8% · Refinance 31.4% · Home improvement 11.6% · Other 1.2%
Conventional 100.0% · of 86 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
3 states, 5 metros, 17 counties
| State | Loans | Share |
|---|---|---|
| Oklahoma | 83 | 96.5% |
| Arkansas | 2 | 2.3% |
| Illinois | 1 | 1.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Fort Smith | 8 |
| Tulsa | 6 |
| Oklahoma City | 2 |
| Davenport-Moline-Rock Island | 1 |
| Enid | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 894500NI2UNWVZRRZP19 | 2024–2025 |
Established 24 October 1955. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Local Bank's data.
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