American Heritage Bank in Oklahoma vs the state
17.9%Denial rate-0.05 pts vs state
18.9%Decision denial rate-3.96 pts vs state
65.0%Origination rate+8.85 pts vs state
—Median rate
—Rate spread (pts)
$96kMedian applicant income
189Loans originated
52Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 218 | 134 | 24.3% | — | #108 |
| 2024 | 288 | 201 | 16.0% | — | #90 |
| 2025 | 291 | 189 | 17.9% | — | #100 |
What American Heritage Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most American Heritage Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Creek County | 112 | 67 | 18 | 16.1% |
| Tulsa County | 83 | 70 | 5 | 6.0% |
| Osage County | 25 | 13 | 8 | 32.0% |
| Pawnee County | 23 | 10 | 6 | 26.1% |
| Okmulgee County | 12 | 8 | 4 | 33.3% |
| Payne County | 11 | 2 | 5 | 45.5% |
| Washington County | 11 | 8 | 3 | 27.3% |
| Wagoner County | 4 | 3 | 1 | 25.0% |
| Rogers County | 3 | 3 | 0 | 0.0% |
| Pittsburg County | 2 | 1 | 1 | 50.0% |
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: 291 applications in 2025, of which 189 were originated and 52 denied.
17.9% of all applications, or 18.9% 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 Heritage 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