Applications / Mortgage Analytics / Lenders / Oklahoma / Shamrock Bank
Coalgate, OK · National bank · OCC · $486 million assets · 85 loans in 2025
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85
loans originated, 2025
87
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Shamrock Bank, an Oklahoma national bank that first reported in 2023, lends far more on manufactured homes than banks of its size.
Manufactured homes accounted for 12.9% of its loans in 2025, against 1.6% at similar lenders, national banks making between half and twice as many loans. That is higher than at more than four in five of them. Purchases made up 77.6% of its lending, and every loan was conventional.
Its largest market is non-metro Oklahoma, where it ranks 61 of 538 lenders, against leaders such as Rocket Mortgage and First United Bank and Trust Company. In 2025 it entered Lawton and Wichita Falls, though its share in each is small.
Loans fell 14%, to 85, while the typical peer grew by 6%. At this size, a handful of deals can produce such a change. It first reported in 2023, so earlier years are gaps in the record, not years without lending.
Its typical loan rose to $165,000 from $125,000, still below the $185,000 at peers. Its lending to low- and moderate-income borrowers, 20.0%, and to poorer neighborhoods, 15.3%, sat near the middle of similar banks.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Shamrock Bank took 87 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.6% · Refinance 15.3% · Home improvement 4.7% · Other 2.4%
Conventional 100.0% · 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 | 82 | 96.5% |
| Texas | 2 | 2.4% |
| Alabama | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 16 |
| Tulsa | 2 |
| Dallas-Plano-Irving | 1 |
| Daphne-Fairhope-Foley | 1 |
| Lawton | 1 |
| Wichita Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900N50SQP3XJCQT74 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 300353 | 2023–2023 |
Established 1 January 1924. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Shamrock Bank's data.
Shamrock Bank's data
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Shamrock 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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