American Exchange Bank in Oklahoma vs the state
21.3%Denial rate+3.36 pts vs state
21.7%Decision denial rate-1.13 pts vs state
67.0%Origination rate+10.92 pts vs state
—Median rate
—Rate spread (pts)
$74kMedian applicant income
63Loans originated
20Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 151 | 103 | 11.9% | — | #127 |
| 2024 | 111 | 69 | 18.9% | — | #164 |
| 2025 | 94 | 63 | 21.3% | — | #196 |
What American Exchange Bank lends in Oklahoma
By loan purpose
By loan type
Where in Oklahoma
Counties with the most American Exchange Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Okmulgee County | 53 | 41 | 9 | 17.0% |
| Okfuskee County | 24 | 11 | 8 | 33.3% |
| McIntosh County | 3 | 1 | 1 | 33.3% |
| Cherokee County | 3 | 2 | 1 | 33.3% |
| Oklahoma County | 2 | 1 | 0 | 0.0% |
| Hughes County | 2 | 2 | 0 | 0.0% |
| Seminole County | 2 | 1 | 0 | 0.0% |
| Creek County | 1 | 0 | 1 | 100.0% |
| Sequoyah County | 1 | 1 | 0 | 0.0% |
| Pittsburg County | 1 | 1 | 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: 94 applications in 2025, of which 63 were originated and 20 denied.
21.3% of all applications, or 21.7% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are American Exchange Bank'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