Applications / Mortgage Analytics / Lenders / Oklahoma / Vision Bank
Ada, OK · State member bank · FRS · $959 million assets · 226 loans in 2025
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226
loans originated, 2025
303
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vision Bank, a $959 million bank in Ada, Oklahoma, is a rural lender: its biggest market is rural Oklahoma, where it ranks 19th of 538 lenders, and one loan in ten is on a manufactured home.
Non-metro Oklahoma is its largest market, where it has lent since 2004 and ranks 19th of 538 lenders, behind Rocket Mortgage, First United Bank and Trust Company and BancFirst. In Oklahoma City it is a minor player, 88th of 534 with a 0.2% share. It lent in 25 counties across two states.
Manufactured homes accounted for 10.2% of its loans, against 2.0% at similar lenders (state member banks making between half and twice as many loans), a higher share than at about nine in ten. Every loan was conventional. Purchases made up 65.0% of its lending and refinances 25.7%.
It made 226 loans in 2025, 1% more than in 2024, while similar lenders grew 8% and the whole market 10%. Its lending has fallen a long way, from 819 loans in 2020 and 444 in 2019. The figures do not say why.
The bank was The First National Bank and Trust Company of Ada until 2005, when it became Vision Bank, National Association. In 2022 it gave up its national charter to become a state bank that is a member of the Federal Reserve, and dropped "National Association" from its name.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vision Bank took 303 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.0% · Refinance 25.7% · Home improvement 4.9% · Other 4.4%
Conventional 100.0% · of 226 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 | 224 | 99.1% |
| New Mexico | 2 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 35 |
| Tulsa | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SNAY3J7NZEU618 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 241157 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 112591 | 2004–2017 |
Established 1 November 1924. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Vision Bank's data.
Vision Bank's data
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Vision 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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