Applications / Mortgage Analytics / Lenders / Oklahoma / American Mortgage Bank
Oklahoma City, OK · Non-bank subsidiary of a bank · CFPB · 1,681 loans in 2025
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1,681
loans originated, 2025
2,305
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Mortgage Bank, an Oklahoma City non-bank lender owned by a bank, has become a sizable lender of government-backed purchase loans, with 1,681 loans in 2025, up from 237 in 2023.
Its loans rose from 237 in 2023 to 1,374 in 2024 and 1,681 in 2025. The 22% rise last year compares with a 4% fall at similar lenders, meaning non-bank subsidiaries of banks making between half and twice as many loans, and 10% growth in the whole market. It entered Jackson, Mississippi and Wichita in 2024, and Mississippi is its main state. The record does not say what lay behind the jump.
Loans insured by the Federal Housing Administration (FHA) made up 39.1% of its lending, against 15.4% at the typical similar lender. Loans guaranteed by the Department of Agriculture's Rural Housing Service took 9.4%, the highest share among its peers. Home purchases were 91.9% of its loans, and its typical loan, $205,000, was the smallest among similar lenders.
Low- and moderate-income (LMI) borrowers took 44.2% of its loans, against 29.1% at similar lenders, and 23.6% went to LMI neighborhoods, the highest share among its peers. Both fit a lender of small, government-backed purchase loans.
In Jackson, Mississippi it ranked 8 of 306 lenders, with 3.2% of the market, up from 2.7%; Trustmark Bank and BankPlus led. In Wichita its share rose to 1.0% from 0.4%, and in Beaumont-Port Arthur to 1.6% from 1.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Mortgage Bank took 2,305 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 91.9% · Refinance 6.4% · Other 1.8%
Conventional 44.1% · FHA 39.1% · USDA (RHS or FSA) 9.4% · VA 7.4% · of 1,681 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 |
|---|---|---|
| Mississippi | 546 | 32.5% |
| Texas | 362 | 21.5% |
| Kansas | 298 | 17.7% |
| Oklahoma | 222 | 13.2% |
| Missouri | 111 | 6.6% |
| Indiana | 62 | 3.7% |
| Arkansas | 23 | 1.4% |
| Florida | 14 | 0.8% |
| Washington | 8 | 0.5% |
| Georgia | 7 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 466 |
| Kansas City | 169 |
| Wichita | 157 |
| Fort Worth-Arlington-Grapevine | 133 |
| Beaumont-Port Arthur | 92 |
| Oklahoma City | 82 |
| Dallas-Plano-Irving | 52 |
| Indianapolis-Carmel-Greenwood | 48 |
| Tulsa | 34 |
| Fayetteville-Springdale-Rogers | 20 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900RFZH9I62FGU045 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4585934 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3464215283 |
Established 4 April 2024. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: American Mortgage Bank's data.
American Mortgage Bank's data
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