SpiritBank
SpiritBank received 61 applications in 2025 and made 55 mortgages, in 16 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $170,000. Of 61 decisions, 3 were denials — 4.9%.
| Legal Entity Identifier | 549300HUGQ1D4T4GJH13 |
|---|---|
| Applications received | 61 |
| Mortgages made | 55 |
| Denied | 3 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: SpiritBank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 35 | Not published | $205,000 | 0.0% |
| Refinancing | 10 | Not published | $235,000 | 0.0% |
| Other purposes | 10 | Not published | $35,000 | 21.4% |
Where SpiritBank lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Creek County, OK | 16 | Not published | 13.6% |
| Tulsa County, OK | 14 | Not published | 0.0% |
| Washington County, AR | 3 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 3 | Under 10 loans | 0.0% |
| Wagoner County, OK | 3 | Under 10 loans | 0.0% |
| Benton County, AR | 2 | Under 10 loans | 0.0% |
| Canadian County, OK | 2 | Under 10 loans | 0.0% |
| Delaware County, OK | 2 | Under 10 loans | 0.0% |
| Okfuskee County, OK | 2 | Under 10 loans | 0.0% |
| Pawnee County, OK | 2 | Under 10 loans | 0.0% |
| Garland County, AR | 1 | Under 10 loans | 0.0% |
| Stone County, MO | 1 | Under 10 loans | 0.0% |
| Lincoln County, OK | 1 | Under 10 loans | 0.0% |
| Mayes County, OK | 1 | Under 10 loans | 0.0% |
| Muskogee County, OK | 1 | Under 10 loans | 0.0% |
| Ottawa County, OK | 1 | Under 10 loans | 0.0% |
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When SpiritBank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.