A fixture in Oklahoma City
It ranks 130 of 534 lenders in Oklahoma City, with a share unchanged at 0.2%. First United Bank and Trust Company and Rocket Mortgage lead the market. Its lending spans one metro area and eight counties in two states.
Applications / Mortgage Analytics / Lenders / Oklahoma / YNB
YNB
Yukon, OK · State non-member bank · FDIC · $249 million assets · 77 loans in 2025
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77
loans originated, 2025
83
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
YNB, a Yukon, Oklahoma, bank, has lent in the Oklahoma City market since at least 1990 and holds a small, steady share there, though its loans fell 18% in 2025.
Smaller loans, a balanced book
Purchases and refinances each made up 37.7% of its loans, with the rest for home improvement and other purposes, and every loan was conventional. Its typical loan, $115,000, was smaller than at more than four in five similar lenders (state non-member banks making between half and twice as many loans), where it was $175,000.
More lending in minority areas
Some 16.9% of its loans went to majority-minority neighborhoods, against 6.6% at similar lenders, higher than at about two-thirds. Its share in low- and moderate-income neighborhoods halved, from 36.0% to 16.9%, now near the middle. On 77 loans, a few move these shares, so the halving need not mean a change of course.
Fewer loans
Its loans fell from 94 to 77 while similar lenders grew 9%. It made 132 in 2018, so the drift is long-running. Fewer applications, or a choice to lend less, could each explain it; the figures do not say which.
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
77 loans in 2025, against a peak of 132 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. YNB took 83 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
37.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 37.7% · Refinance 37.7% · Other 13.0% · Home improvement 11.7%
Conventional 100.0% · of 77 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
2 states, 1 metro, 8 counties
| State | Loans | Share |
|---|---|---|
| Oklahoma | 75 | 97.4% |
| Missouri | 2 | 2.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Oklahoma City | 72 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OMMGCT35VSS514 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 953852 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110196 | 1990–2011 |
| Respondent ID (the HMDA filer code before 2018) | 34235 | 2012–2017 |
Established 19 April 1912. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: YNB's data.
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