Applications / Mortgage Analytics / Lenders / Oklahoma / Patrons Bank
Okmulgee, OK · National bank · OCC · $298 million assets · 82 loans in 2025
Patrons Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
82
loans originated, 2025
100
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Patrons Bank lends mainly in Oklahoma's poorer neighborhoods: 59.8% of its loans went to low- and moderate-income tracts, more than at almost any similar lender.
The typical similar lender (national banks making between half and twice as many loans) put 15.8% of its loans in low- and moderate-income (LMI) neighborhoods. Patrons Bank put 59.8%, up from 53.0% in 2020. Its share of LMI borrowers, 37.2%, is also higher than at about four in five peers.
Its typical loan was $80,000, against $185,000 at similar lenders, among the smallest tenth. Its mix points to why: home improvement and other purposes each made up 12.2% of its loans, and manufactured homes 9.8%, against 1.6% at peers. Loans of these kinds may well be smaller than purchase loans.
Its loans rose 24% to 82, faster than at about seven in ten peers and above the market's 10%. That follows a long decline, from 160 in 2019 to 66 in 2024. The bank took its present name in 2024; it was The First National Bank and Trust Company of Okmulgee.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Patrons Bank took 100 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.8% · Refinance 26.8% · Home improvement 12.2% · Other 12.2%
Conventional 100.0% · of 82 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 | 82 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 61 |
| Oklahoma City | 2 |
| Lawton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E8JTSHNU1K4K92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 634955 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 111001 | 2004–2017 |
Established 2 April 1917. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Patrons Bank's data.
Patrons Bank's data
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