Applications / Mortgage Analytics / Lenders / Oklahoma / Financial Concepts Mortgage
Edmond, OK · Independent non-bank lender · CFPB · 547 loans in 2025
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547
loans originated, 2025
601
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Financial Concepts Mortgage is an Oklahoma home-purchase lender that leans on government-backed loans and ranks second in Enid.
Home purchases made up 93.6% of its loans; refinancing barely figures. Loans insured by the Federal Housing Administration (FHA) were 36.7% of its lending, against 20.3% for similar lenders, independent non-bank lenders making between half and twice as many loans. Loans guaranteed by the Department of Veterans Affairs (VA) were 17.2%, against 5.5%, a higher share than almost nine in ten of them.
In Enid it ranked 2 of 114 lenders, behind Gateway First Bank, and its share rose from 7.8% to 8.4%. In Oklahoma City, its largest market, it ranked 19 of 534, with a share that edged up to 1.2%. Its lending spans 3 states, with Oklahoma the main one.
Its originations rose 20%, to 547. Similar lenders grew 2% at the middle of the group and the whole market 10%; it grew faster than about four in five of them. That follows a slide from 1,094 loans in 2020 to 457 in 2024.
Its typical loan was $235,000, against $325,000 for similar lenders. Borrowers with low or moderate incomes (LMI) took 33.3% of its loans, up from 25.0%, and against 24.7% for its peers, a higher share than about seven in ten of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Financial Concepts Mortgage took 601 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 93.6% · Refinance 5.3% · Other 1.1%
Conventional 44.4% · FHA 36.7% · VA 17.2% · USDA (RHS or FSA) 1.6% · of 547 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 | 521 | 95.2% |
| Kansas | 4 | 0.7% |
| Texas | 2 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 381 |
| Enid | 65 |
| Lawton | 12 |
| Tulsa | 7 |
| Wichita | 4 |
| Lubbock | 1 |
| Wichita Falls | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300488506L45QIE35 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7731611552 |
Established 24 April 2001. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Financial Concepts Mortgage's data.
Financial Concepts Mortgage's data
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Financial Concepts Mortgage 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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