Question · Q3 2025
David Chivirini inquired about the competitive landscape for mortgage finance, asking if BOK Financial is observing competitors pulling back from this business.
Answer
Stacy Kymes, President and CEO, stated that while some competitors exited the market a couple of years prior due to liquidity issues, BOK Financial is not currently seeing a particular pullback. He acknowledged potential increased scrutiny on non-depository financial institution lending but asserted that mortgage warehouse lending is one of the most secure areas. Kymes highlighted BOK Financial's experienced team, strong platform, and synergies with existing mortgage trading and TBA hedging businesses as competitive advantages.