Armstrong Bank in Oklahoma vs the state
10.1%Denial rate-7.85 pts vs state
11.3%Decision denial rate-11.54 pts vs state
70.0%Origination rate+13.89 pts vs state
7.10%Median rate+0.47 pts vs state
0.15Rate spread (pts)-0.20 pts vs state
$94kMedian applicant income
709Loans originated
102Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 868 | 609 | 9.0% | 7.75% | #28 |
| 2024 | 812 | 565 | 8.0% | 7.84% | #39 |
| 2025 | 1,013 | 709 | 10.1% | 7.10% | #32 |
What Armstrong Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Armstrong Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 147 | 110 | 6 | 4.1% |
| Sequoyah County | 142 | 102 | 17 | 12.0% |
| Cherokee County | 125 | 87 | 10 | 8.0% |
| Muskogee County | 114 | 86 | 10 | 8.8% |
| Cleveland County | 102 | 70 | 11 | 10.8% |
| Oklahoma County | 57 | 42 | 3 | 5.3% |
| Wagoner County | 52 | 33 | 11 | 21.2% |
| Adair County | 45 | 24 | 6 | 13.3% |
| Rogers County | 41 | 26 | 5 | 12.2% |
| Washington County | 34 | 23 | 2 | 5.9% |
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: 1,013 applications in 2025, of which 709 were originated and 102 denied.
10.1% of all applications, or 11.3% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Armstrong Bank originated in Oklahoma in 2025 was 7.10%, against a statewide median of 6.63%.
About this data. Figures are Armstrong 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