BancFirst in Oklahoma vs the state
10.0%Denial rate-7.92 pts vs state
10.2%Decision denial rate-12.66 pts vs state
78.9%Origination rate+22.79 pts vs state
7.38%Median rate+0.75 pts vs state
0.63Rate spread (pts)+0.28 pts vs state
$92kMedian applicant income
3,786Loans originated
480Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,722 | 3,711 | 9.5% | 7.63% | #3 |
| 2024 | 4,676 | 3,689 | 9.9% | 7.75% | #4 |
| 2025 | 4,799 | 3,786 | 10.0% | 7.38% | #5 |
What BancFirst lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most BancFirst applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 909 | 706 | 96 | 10.6% |
| Tulsa County | 311 | 261 | 22 | 7.1% |
| Cleveland County | 265 | 207 | 22 | 8.3% |
| Comanche County | 264 | 211 | 31 | 11.7% |
| Canadian County | 241 | 191 | 28 | 11.6% |
| Lincoln County | 237 | 194 | 22 | 9.3% |
| Payne County | 230 | 191 | 15 | 6.5% |
| Stephens County | 220 | 190 | 9 | 4.1% |
| Pottawatomie County | 218 | 165 | 28 | 12.8% |
| Wagoner County | 148 | 123 | 9 | 6.1% |
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% |
| 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% |
| Triad Financial Services | D | 2,559 | 51.4% | 8.85% |
Frequently asked questions
Oklahoma: 4,799 applications in 2025, of which 3,786 were originated and 480 denied.
10.0% of all applications, or 10.2% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans BancFirst originated in Oklahoma in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are BancFirst'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