Applications / Mortgage Analytics / Lenders / Oklahoma / The First National Bank and Trust Company of Broken Arrow
Broken Arrow, OK · National bank · OCC · $278 million assets · 80 loans in 2025
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80
loans originated, 2025
93
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank and Trust Company of Broken Arrow is a purchase lender rooted in Tulsa that has begun to lend in distant markets, from Austin to Jacksonville.
Purchase loans made up 72.5% of its lending; refinancing only 18.8%. Its loans fell 11% to 80, while a typical similar lender (national banks making between half and twice as many loans) grew 6% and the whole market 10%. It filed no report for 2020 to 2022, so those years are a gap in the record.
A quarter of its loans, 25.0%, went to low- and moderate-income (LMI) neighborhoods, against 15.9% at a typical peer. Majority-minority neighborhoods took 15.0%, against 7.7%. Both shares fell from 41.1% a year earlier; with only 80 loans, such shares can swing a lot from year to year.
It has lent in Tulsa since at least 1990 and ranks 79 of 476 there, but its share slipped from 0.3% to 0.2%. Its footprint now covers 20 counties in six states. It entered non-metro Colorado in 2023, Austin in 2024, and Washington and Jacksonville in 2025. One possibility is that some of its lending moved from Tulsa to these newer markets; another is simply its smaller volume.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The First National Bank and Trust Company of Broken Arrow took 93 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.5% · Refinance 18.8% · Home improvement 6.3% · Other 2.5%
Conventional 100.0% · of 80 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 | 74 | 92.5% |
| Texas | 2 | 2.5% |
| Colorado | 1 | 1.2% |
| District of Columbia | 1 | 1.2% |
| Florida | 1 | 1.2% |
| Missouri | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 58 |
| Oklahoma City | 9 |
| Austin-Round Rock-San Marcos | 2 |
| Jacksonville | 1 |
| Washington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R6P9WVVQOQF705 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 145554 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 17115 | 1990–2017 |
Established 29 January 1904. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The First National Bank and Trust Company of Broken Arrow's data.
The First National Bank and Trust Company of Broken Arrow's data
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The First National Bank and Trust Company of Broken Arrow 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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