Lenders › American Heritage Bank › Oklahoma
American Heritage Bank in Oklahoma
HMDA record for properties in Oklahoma, calendar year 2024. National record · Oklahoma overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Oklahoma, American Heritage Bank reported 288 applications and 201 originations for 2024, $39m in all.
Its denial rate in the state was 16.4%, below the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 16.3%.
Applications in the state were up 32% on 2023.
Compared with the state and the lender's national record
| Measure | In Oklahoma | Oklahoma, all lenders | American Heritage Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.4% | 23.4% | 16.3% | 24.3% |
| Median rate spread, pp | — | 0.5 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 17.5% | — | 15.6% |
| Average originated loan | $194k | $223k | $195k | $329k |
| Home purchase share | 69.7% | 63.6% | 70.1% | 57.0% |
| FHA-insured share | 0.0% | 17.1% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 11.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOklahoma, all lenders
Loan purpose and loan type in Oklahoma
By purpose
Home purchase 70% (140)Home improvement 9% (19)Refinancing 11% (23)Cash-out refinancing 3% (6)Other purpose 6% (13)
By type
Conventional 100% (201)
Denial reasons as coded
Share of 46 denials in Oklahoma by first denial reason coded (outlined bar: all lenders in the state).
Counties in Oklahoma
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Creek County | 92 | 67 | $11m | 15.6% |
| Tulsa County | 77 | 58 | $12m | 10.7% |
| Osage County | 31 | 20 | $3.1m | 23.3% |
| Pawnee County | 25 | 14 | $2.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did American Heritage Bank originate in Oklahoma in 2024?
201 loans totalling $39m, from 288 applications reported for properties in Oklahoma.
What is American Heritage Bank's denial rate in Oklahoma?
16.4% of decided applications in Oklahoma were denied, against 23.4% for all lenders in the state and 16.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Oklahoma counties does American Heritage Bank lend in most?
By originations: Creek County (67), Tulsa County (58), Osage County (20), Pawnee County (14).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Oklahoma. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.