Applications / Mortgage Analytics / Lenders / Oklahoma / The Payne County Bank
Perkins, OK · State member bank · FRS · $295 million assets · 101 loans in 2025
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101
loans originated, 2025
115
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Payne County Bank, in Perkins, Oklahoma, makes unusually small home loans: its typical loan of $95,000 was smaller than at all but about one in twenty similar lenders.
Two lines help explain the small loans. Manufactured homes made up 17.8% of its loans, against 1.9% at similar lenders (state member banks making between half and twice as many loans), a higher share than at all but about one in twenty of them. Home improvement made up another 25.7%. Both tend to mean smaller loans than the peer figure of $175,000.
The bank first reported in 2021 and has made between 98 and 120 loans a year since. In 2025 its count fell 7%, while similar lenders grew 8% and the whole market 10%. Its record is too short to call that a trend.
Its biggest market is non-metro Oklahoma, where it ranked 70 of 538 lenders, ahead of most. Its loans spread over 11 counties in 4 states. In 2025 its filings reached Dallas-Fort Worth-Arlington and non-metro New Mexico for the first time, though only as small footholds. Every loan it made was conventional.
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, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Payne County Bank took 115 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.6% · Refinance 29.7% · Home improvement 25.7%
Conventional 100.0% · of 101 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 | 98 | 97.0% |
| Florida | 1 | 1.0% |
| New Mexico | 1 | 1.0% |
| Texas | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 29 |
| Tulsa | 5 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900OCV4AWL56SWL08 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 455150 | 2022–2023 |
Established 8 January 1898. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: The Payne County Bank's data.
The Payne County Bank's data
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The Payne County 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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