Applications / Mortgage Analytics / Lenders / Oklahoma / SpiritBank
Tulsa, OK · State non-member bank · FDIC · $936 million assets · 55 loans in 2025
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55
loans originated, 2025
61
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SpiritBank, a Tulsa bank, is a far smaller home lender than it was before 2023, and its remaining lending is drifting from Tulsa toward Oklahoma City and Arkansas.
It made 334 loans in 2020 and 246 in 2022, then 43 in 2023. It has stayed near that level since, with 55 loans in 2025. The data do not say why the book shrank so abruptly. Its loans rose 31% on the year, faster than about three-quarters of similar lenders, state non-member banks making between half and twice as many loans, whose typical growth was 7%.
Its share in Oklahoma City rose from almost nothing to 0.3%, ranking it 83 of 534 lenders. In Tulsa, where it has lent since at least 1990, its share fell from 0.3% to 0.1%; one possibility is that lending moved to the Oklahoma City market. It entered Hot Springs, Arkansas, in 2025 with 1.0% of the market.
Home purchases made up 63.6% of its loans and refinances 18.2%. All were conventional; in 2020 some were insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs. Its typical loan was $175,000, close to the $165,000 typical of its peers.
Of its loans, 30.9% went to homes in low- and moderate-income neighborhoods, against 18.5% at peers, higher than about three-quarters of them. The share was 32.0% in 2020, so this is a long-standing pattern.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SpiritBank took 61 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.6% · Refinance 18.2% · Home improvement 9.1% · Other 9.1%
Conventional 100.0% · of 55 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 | 48 | 87.3% |
| Arkansas | 6 | 10.9% |
| Missouri | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 35 |
| Oklahoma City | 6 |
| Fayetteville-Springdale-Rogers | 5 |
| Hot Springs | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HUGQ1D4T4GJH13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 142955 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2142955 | 2000–2002 |
| Respondent ID (the HMDA filer code before 2018) | 34048 | 2003–2017 |
Established 5 May 1916. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: SpiritBank's data.
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