Applications / Mortgage Analytics / Lenders / Oklahoma / The Bank
McAlester, OK · National bank · OCC · $477 million assets · 111 loans in 2025
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111
loans originated, 2025
120
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank, a national bank in McAlester, Oklahoma, is mainly a refinance lender: refinances made up 63.1% of its 111 loans in 2025, and its loans are small.
Purchases took only 20.7% of its loans and home improvement 9.0%. Every loan was conventional. Its typical loan was $105,000, against $185,000 at similar lenders (national banks making between half and twice as many loans), smaller than at more than nine in ten of them. Manufactured homes, 9.0% of its loans against 1.6% at similar lenders, may be part of the reason.
It made 111 loans, down 6% from 118, while similar lenders grew 6% and the whole market 10%. It made 138 in 2023. A refinance lender's volume may rise and fall with borrowers' appetite to refinance, more than a purchase lender's does. It filed no report for 2018 to 2022; those years are gaps in the record, not years without lending.
Non-metro Oklahoma is its largest market. It has lent there since 1993 and ranks 46 of 538 lenders; Rocket Mortgage, First United Bank and Trust Company and BancFirst lead. In Tulsa it ranks 146 of 476. In 2025 it first appeared in Dallas-Fort Worth-Arlington and Brownsville-Harlingen, both in Texas.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The Bank took 120 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 63.1% · Purchase 20.7% · Home improvement 9.0% · Other 7.2%
Conventional 100.0% · of 111 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 | 95 | 85.6% |
| Arkansas | 13 | 11.7% |
| Texas | 3 | 2.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fayetteville-Springdale-Rogers | 13 |
| Tulsa | 9 |
| Oklahoma City | 3 |
| Dallas-Plano-Irving | 2 |
| Brownsville-Harlingen | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 894500UIQNJRMSPN5G70 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 829050 | 2023–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113770 | 1993–2003 |
Established 17 May 1927. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: The Bank's data.
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