American Bank of Oklahoma in Oklahoma vs the state
8.4%Denial rate-9.54 pts vs state
9.3%Decision denial rate-13.57 pts vs state
80.2%Origination rate+24.14 pts vs state
6.50%Median rate-0.13 pts vs state
0.03Rate spread (pts)-0.32 pts vs state
$84kMedian applicant income
268Loans originated
28Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 429 | 349 | 3.5% | 6.63% | #62 |
| 2024 | 423 | 339 | 5.0% | 6.50% | #64 |
| 2025 | 334 | 268 | 8.4% | 6.50% | #85 |
What American Bank of Oklahoma lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most American Bank of Oklahoma applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Muskogee County | 112 | 104 | 0 | 0.0% |
| Tulsa County | 95 | 71 | 15 | 15.8% |
| Osage County | 32 | 24 | 4 | 12.5% |
| Rogers County | 19 | 14 | 0 | 0.0% |
| Wagoner County | 16 | 11 | 2 | 12.5% |
| Cherokee County | 11 | 9 | 0 | 0.0% |
| McIntosh County | 11 | 11 | 0 | 0.0% |
| Delaware County | 9 | 6 | 2 | 22.2% |
| Mayes County | 8 | 3 | 4 | 50.0% |
| Washington County | 6 | 5 | 0 | 0.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 334 applications in 2025, of which 268 were originated and 28 denied.
8.4% of all applications, or 9.3% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans American Bank of Oklahoma originated in Oklahoma in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are American Bank of Oklahoma's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology