Applications / Mortgage Analytics / Lenders / Oklahoma / The Citizens Bank of Edmond
Edmond, OK · State member bank · FRS · $418 million assets · 124 loans in 2025
The Citizens Bank of Edmond's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
124
loans originated, 2025
139
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens Bank of Edmond grew its home lending by half in 2025, and a third of its loans went to poorer neighborhoods.
Its loans rose 51% to 124, from 82, against 8% for similar lenders (state member banks making between half and twice as many loans) and 10% for the whole market. That was faster than nearly nine in ten of them. Refinances make up 43.5% of its lending, close to purchases at 49.2%.
Of its loans, 32.8% went to low- and moderate-income (LMI) tracts, against 16.4% at peers, more than at nearly nine in ten. Its share in majority-minority tracts, 23.4%, is far above peers' 5.1% and up from 9.5% five years before. Its share of loans to LMI borrowers, 25.8%, is near peers' 27.1%, and up from 5.3% in 2024.
Oklahoma City is its largest market, and it has lent there since 1990. It ranks 64 of 534 lenders there, with 0.3% of lending, unchanged on the year; First United Bank and Trust Company and Rocket Mortgage lead. Its typical loan, $155,000, is smaller than the $175,000 of similar lenders, and all its loans were conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Citizens Bank of Edmond took 139 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.2% · Refinance 43.5% · Home improvement 5.6% · Other 1.6%
Conventional 100.0% · of 124 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 | 123 | 99.2% |
| Arizona | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 106 |
| Enid | 1 |
| Phoenix-Mesa-Chandler | 1 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OWEWQ1QPPQS302 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 172457 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2172457 | 1990–2017 |
Established 1 January 1912. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Citizens Bank of Edmond's data.
The Citizens Bank of Edmond's data
$215
The Citizens Bank of Edmond 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.
Buy The Citizens Bank of Edmond's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]