Applications / Mortgage Analytics / Lenders / Oklahoma / SpiritBank / Competition
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
Who SpiritBank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — OKLAHOMA CITY, OK, 2025
SpiritBank ranks 83rd of 534 lenders in Oklahoma City, OK, with $21.7M lent: 0.3% of a $8.31B market.
Oklahoma City, OK is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SpiritBank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — TULSA, OK, 2025
SpiritBank ranks 103rd of 476 lenders in Tulsa, OK, with $7.4M lent: 0.1% of a $5.53B market.
Tulsa, OK is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SpiritBank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — HOT SPRINGS, AR, 2025
SpiritBank ranks 22nd of 240 lenders in Hot Springs, AR, with $6.0M lent: 1.0% of a $572.3M market.
Hot Springs, AR is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SpiritBank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO OKLAHOMA, 2025
SpiritBank ranks 147th of 538 lenders in non-metro Oklahoma, with $4.0M lent: 0.1% of a $3.91B market.
non-metro Oklahoma is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SpiritBank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — FAYETTEVILLE-SPRINGDALE-ROGERS, AR, 2025
SpiritBank ranks 236th of 465 lenders in Fayetteville-Springdale-Rogers, AR, with $1.3M lent: 0.0% of a $5.77B market.
Fayetteville-Springdale-Rogers, AR is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and SpiritBank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — NON-METRO MISSOURI, 2025
SpiritBank ranks 449th of 640 lenders in non-metro Missouri, with $485K lent: 0.0% of a $6.01B market.
non-metro Missouri is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and SpiritBank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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SpiritBank 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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