Applications / Mortgage Analytics / Lenders / Oklahoma / Valliance Bank
Oklahoma City, OK · State non-member bank · FDIC · $803 million assets · 57 loans in 2025
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57
loans originated, 2025
65
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Valliance Bank, an Oklahoma City bank, makes few home loans, but its jumbo share is several times that of similar lenders.
It made 57 loans in 2025, fewer than the 62 typical of similar lenders (state non-member banks making between half and twice as many loans). Yet they came to $31.4 million, against $16.9 million at peers, higher than about four in five of them. Its typical loan, $195,000, was close to the peer figure, so a handful of large loans carry the total.
Jumbo loans (larger than the conforming limit) were 12.5% of its lending, against 1.7% at similar lenders, higher than about nine in ten. That fits the high dollar total. Refinances were 50.9% of its loans and purchases 40.4%.
Borrowers of low and moderate income (LMI) took 5.6% of its loans, against 27.2% at peers, among the lowest tenth. A lender of large loans tends to serve wealthier households, which may explain it. Yet 28.6% of its loans went to LMI neighborhoods, above the peer figure of 18.6%.
Its loans rose 30% from 44, faster than the 7% of similar lenders. In Oklahoma City, its home market since 2006, it ranked 141 of 534 with 0.1% of the dollars, unchanged. First United Bank and Trust Company led there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Valliance Bank took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.9% · Purchase 40.4% · Home improvement 5.3% · Other 3.5%
Conventional 100.0% · of 57 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 | 34 | 59.6% |
| Texas | 19 | 33.3% |
| Florida | 2 | 3.5% |
| Illinois | 1 | 1.8% |
| New Mexico | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 33 |
| Dallas-Plano-Irving | 9 |
| Fort Worth-Arlington-Grapevine | 5 |
| Houston-Pasadena-The Woodlands | 3 |
| West Palm Beach-Boca Raton-Delray Beach | 2 |
| Chicago-Naperville-Schaumburg | 1 |
| Sherman-Denison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OCPYKDBIQ11H61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3267738 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357841 | 2006–2017 |
Established 20 October 2004. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Valliance Bank's data.
Valliance Bank's data
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