Applications / Mortgage Analytics / Lenders / Oklahoma / Security Bank
Tulsa, OK · State member bank · FRS · $898 million assets · 62 loans in 2025
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62
loans originated, 2025
73
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Security Bank, a small Tulsa lender, makes far more of its loans in poorer and majority-minority neighborhoods than most similar banks.
Of its loans, 41.9% were in poorer (low- and moderate-income) neighborhoods, higher than at almost all similar lenders, state member banks making between half and twice as many loans. Their typical figure is 17.5%. Majority-minority neighborhoods took 35.5% of its loans, against 6.9% at similar lenders. Both shares were near these levels in 2020, so the pattern is long-standing.
It made 62 loans in 2025, 14% fewer than in 2024, while similar lenders grew 9% and the whole market 10%. It made 120 loans in 2018 and 121 in 2019. It filed no report for 2021 or 2022, gaps in the record rather than years without lending. The figures do not say why its lending has fallen.
In Tulsa, where it has lent since 2001, it ranks 57 of 476 lenders, with 0.4% of the market, down from 0.5%. Associated Mortgage and Arvest Bank lead. Its own smaller loan count may explain the slip.
Every loan was conventional. Purchases make up 56.5% of its loans, refinancing 33.9% and home improvement 9.7%. Its typical loan, $185,000, is 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Security Bank took 73 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.5% · Refinance 33.9% · Home improvement 9.7%
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 | 61 | 98.4% |
| Texas | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 57 |
| Oklahoma City | 3 |
| Waco | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007KC6RR4UC6S050 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 516855 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2516855 | 2001–2017 |
Established 1 January 1902. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Security Bank's data.
Security Bank's data
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