Applications / Mortgage Analytics / Lenders / Oklahoma / CWM Partners
Norman, OK · Independent non-bank lender · CFPB · 191 loans in 2025
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191
loans originated, 2025
239
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CWM Partners is an Oklahoma lender that does almost nothing but help people buy homes, with far more government-backed loans than similar lenders, and its loans fell by 22% in 2025.
Purchases made up 97.9% of its 191 loans. Loans guaranteed by the Department of Veterans Affairs (VA) were 13.6%, against 3.1% at similar lenders, which here means independent non-banks making between half and twice as many loans. Loans insured by the Federal Housing Administration (FHA) were 26.7%, against 16.0%. Conventional loans were only 58.6%.
Its typical rate was 6.12%, lower than at almost nine in ten peers, whose typical rate was 6.61%. None of its loans were higher-priced, meaning a rate well above the average for similar loans. It turned down 3.6% of decided home-purchase applications, close to the 3.5% typical of peers.
It made 191 loans, down from 245, while similar lenders slipped by a typical 1% and the whole market grew by 10%. Its loans have fallen in most years since 2020, when it made 639. Because it does almost no refinancing, its volume depends on home purchases in a few Oklahoma counties; a quieter year for purchases there is one possible reason.
Its share of Oklahoma City lending fell to 0.6% from 0.8%, and it ranked 39 of 534 lenders. The fall matches its lower loan count. First United Bank and Trust Company leads that market. It has lent there since 2017 and works in 11 counties, all in Oklahoma.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CWM Partners took 239 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 97.9% · Refinance 2.1%
Conventional 58.6% · FHA 26.7% · VA 13.6% · USDA (RHS or FSA) 1.0% · of 191 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 | 191 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 173 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002H3RKHKUQU7R78 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7760644857 |
Established 8 May 2000. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: CWM Partners's data.
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CWM Partners 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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