Applications / Mortgage Analytics / Lenders / Oklahoma / Valor Bank
Edmond, OK · State non-member bank · FDIC · $287 million assets · 389 loans in 2025
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389
loans originated, 2025
514
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Valor Bank, an Edmond home-purchase lender, holds 16th place in Oklahoma City and has made between 367 and 389 loans a year since 2022.
Valor Bank first reported in 2018, with 75 loans. Lending jumped to 791 in 2021, then settled: 389 loans in 2025, one more than in 2024. Similar lenders, state banks outside the Federal Reserve making between half and twice as many loans, grew by 9%. It made more loans than about two-thirds of them but grew less than most.
Purchases make up 81.5% of its lending. Its typical loan was $265,000, against $175,000 at similar lenders, larger than about three in four. It turned down only 0.8% of home-purchase applications, against 4.7% at similar lenders, among the lowest twentieth.
Some 11.8% of its loans went to neighborhoods where most residents belong to minority groups, against 6.6% at similar lenders. But borrowers with low or moderate incomes took 20.8% of its loans, against 28.4%, fewer than at about four in five similar lenders. Larger purchase loans may draw buyers with higher incomes.
In Oklahoma City, its main market since 2018, it ranked 16th of 534 lenders with 1.4% of dollars lent, the same as in 2024. First United Bank and Trust Company leads. In 2025 it made its first loans in Corpus Christi, Killeen-Temple and Wilmington, North Carolina, but holds almost no share there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Valor Bank took 514 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.5% · Refinance 16.7% · Home improvement 1.3% · Other 0.5%
Conventional 100.0% · of 389 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 | 380 | 97.7% |
| Texas | 5 | 1.3% |
| Kansas | 2 | 0.5% |
| Colorado | 1 | 0.3% |
| North Carolina | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 366 |
| Tulsa | 7 |
| Dallas-Plano-Irving | 2 |
| Corpus Christi | 1 |
| Killeen-Temple | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004WQK3PHW1SDP63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 129358 | 2018–2023 |
Established 1 June 1930. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Valor Bank's data.
Valor Bank's data
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