A shrinking mortgage book
Vast Bank made 100 mortgages in 2018 and 82 in 2020. By 2024 it made eight, and in 2025 it made 16. The data do not say why its mortgage lending fell, and with counts this small a few loans either way swing the figure.
Applications / Mortgage Analytics / Lenders / Oklahoma / Vast Bank
Vast Bank
Tulsa, OK · National bank · OCC · $565 million assets · 16 loans in 2025
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16
loans originated, 2025
19
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vast Bank, a Tulsa national bank once called Valley National Bank, now makes very few mortgages: 16 in 2025.
Small even among small banks
Similar lenders here are national banks making between half and twice as many loans; there are 33 of them, and the typical one made 24. Vast Bank made fewer than about nine in ten. With 16 loans, its shares of lending to poorer borrowers and neighborhoods, of large loans and of refinancing are too small to read much into.
An old name, a long record
The bank was established in 1982 as Valley National Bank and was renamed Vast Bank in 2019. It merged with Bank of the Lakes in 2014. It has lent in Tulsa since 1990 and ranks 138th of 476 lenders there, with 0.1% of dollars, unchanged from 2024. Associated Mortgage leads that market. It made its first loans in Reno in 2025.
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
16 loans in 2025, against a peak of 100 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vast Bank took 19 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
68.8% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 68.8% · Purchase 25.0% · Home improvement 6.3%
Conventional 100.0% · of 16 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
3 states, 4 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| Oklahoma | 14 | 87.5% |
| Nevada | 1 | 6.2% |
| Texas | 1 | 6.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Tulsa | 9 |
| Oklahoma City | 3 |
| Dallas-Plano-Irving | 1 |
| Reno | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SEW263WB5KWU64 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 347956 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 117174 | 1990–2017 |
Established 16 February 1982. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Vast Bank's data.
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