Applications / Mortgage Analytics / Lenders / Oklahoma / Walters Bank and Trust Company
Walters, OK · State non-member bank · FDIC · $69.6 million assets · 34 loans in 2025
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34
loans originated, 2025
46
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Walters Bank and Trust Company is a one-county lender of small loans: its typical mortgage, $60,000, is about a third of what similar banks lend.
Similar lenders here are state non-member banks making between half and twice as many loans. Its typical loan is smaller than at almost all of them. Refinances made up 70.6% of its 34 loans in 2025, and every loan was conventional, with no government backing.
All its lending is in a single Oklahoma county, part of the Lawton market. It ranks 31 of 211 lenders there, with 0.5% of the market's lending, up from 0.4% in 2024. Mortgage Research Center leads that market. Because it lends in one county, its share of loans in poorer neighborhoods depends on which neighborhoods that county has.
It first reported in 2016. It filed nothing for 2020 to 2022, years in which a bank making fewer than 100 loans need not report. Its 34 loans in 2025 compare with 33 in 2024 and 40 in 2019. With so few loans, its shares of lower-income and manufactured-home lending are too small to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Walters Bank and Trust Company took 46 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 70.6% · Purchase 29.4%
Conventional 100.0% · of 34 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 | 29 | 85.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lawton | 29 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008OQHUQJ5KP2L65 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 536853 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314260 | 2016–2017 |
Established 14 April 1934. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Walters Bank and Trust Company's data.
Walters Bank and Trust Company's data
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Walters Bank and Trust Company 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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