Bank of America in Oklahoma vs the state
33.5%Denial rate+15.60 pts vs state
45.2%Decision denial rate+22.28 pts vs state
40.2%Origination rate-15.94 pts vs state
6.24%Median rate-0.38 pts vs state
0.29Rate spread (pts)-0.06 pts vs state
$86kMedian applicant income
502Loans originated
419Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,484 | 547 | 47.4% | 6.88% | #18 |
| 2024 | 1,318 | 510 | 39.6% | 6.75% | #23 |
| 2025 | 1,250 | 502 | 33.5% | 6.24% | #25 |
What Bank of America lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 396 | 180 | 113 | 28.5% |
| Oklahoma County | 352 | 157 | 115 | 32.7% |
| Cleveland County | 103 | 33 | 37 | 35.9% |
| Canadian County | 71 | 30 | 28 | 39.4% |
| Rogers County | 49 | 19 | 16 | 32.7% |
| Wagoner County | 30 | 12 | 10 | 33.3% |
| Payne County | 16 | 6 | 5 | 31.3% |
| Osage County | 16 | 7 | 6 | 37.5% |
| Logan County | 16 | 7 | 5 | 31.3% |
| Creek County | 15 | 7 | 3 | 20.0% |
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: 1,250 applications in 2025, of which 502 were originated and 419 denied.
33.5% of all applications, or 45.2% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Bank of America originated in Oklahoma in 2025 was 6.24%, against a statewide median of 6.63%.
About this data. Figures are Bank of America'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