Applications / Mortgage Analytics / Lenders / Oklahoma / Sooner State Bank
Tuttle, OK · State non-member bank · FDIC · $331 million assets · 127 loans in 2025
Sooner State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
127
loans originated, 2025
129
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sooner State Bank, a small bank in Tuttle, Oklahoma, lends far more in poorer and majority-minority neighborhoods than similar banks do.
In 2025, 40.8% of its loans were on homes in low- and moderate-income (LMI) neighborhoods, against 17.6% at the typical similar bank (state non-member banks making between half and twice as many loans). That share has hardly moved in five years. Nearly a third of its loans, 31.5%, were in majority-minority neighborhoods, against 5.8% for its peers. On both counts it is above more than four in five similar banks.
Its share of loans to LMI borrowers rose from 21.4% in 2024 to 46.9%, higher than about nineteen in twenty similar banks. Its loans are small, too: the typical one was $135,000, against $175,000 at its peers. On 127 loans, a swing this large in one year should be read with care.
Every loan it made was conventional, with none backed by a government agency. Three in five were home purchases (60.6%) and most of the rest refinances. Its loans rose 9%, in line with similar banks and with the whole market's 10%.
Oklahoma City is its largest market, where it has lent since 1990. It holds 0.3% of the market there, ranking 82 of 534 lenders, a share unchanged from 2024. First United Bank and Trust Company leads the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sooner State Bank took 129 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.6% · Refinance 31.5% · Home improvement 7.9%
Conventional 100.0% · of 127 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 | 127 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 120 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K3182R4M8RRD37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 534756 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3402 | 1990–2017 |
Established 1 January 1903. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Sooner State Bank's data.
Sooner State Bank's data
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Sooner State Bank 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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