Applications / Mortgage Analytics / Lenders / Oklahoma / NBC Oklahoma
Oklahoma City, OK · State non-member bank · FDIC · $894 million assets · 35 loans in 2025
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35
loans originated, 2025
35
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NBC Oklahoma, an Oklahoma City bank that has reported its home lending since 2001, made 35 home loans in 2025, less than half the 78 it made a year earlier.
Its loans fell 55% in 2025, while similar lenders (state non-member banks making between half and twice as many loans) held steady and the whole market grew 10%. It now makes fewer loans than about seven in ten of them. On so small a base a few deals either way move the count a long way, so one year says little about direction.
The bank made 118 loans in 2018 and 90 in 2019, then filed no report for 2020 to 2022. Those are gaps in the record, not years without lending: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Its filings since 2023 show 79, 78 and then 35 loans.
Every loan it made in 2025 was conventional, with none backed by a government agency, as at most similar banks. Refinances were 57.1% of its loans and home purchases 28.6%. Its typical loan, $205,000, was larger than the $167,500 at similar lenders.
It ranked 191 of 534 lenders in Oklahoma City, where First United Bank and Trust Company led. Its share there slipped from 0.2% to 0.1%, in line with the fall in its own lending. It has lent around Enid since 1990. The bank began as The National Bank of Commerce of Altus and took its present name in 2008.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. NBC Oklahoma took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.1% · Purchase 28.6% · Home improvement 14.3%
Conventional 100.0% · of 35 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 | 32 | 91.4% |
| Florida | 1 | 2.9% |
| Tennessee | 1 | 2.9% |
| Utah | 1 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 20 |
| Enid | 5 |
| Cape Coral-Fort Myers | 1 |
| Knoxville | 1 |
| St. George | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930076IPVDX26EBK58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 39756 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 34032 | 2001–2017 |
Established 1 August 1931. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: NBC Oklahoma's data.
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