BMO Bank in Oklahoma vs the state
43.8%Denial rate+25.83 pts vs state
55.0%Decision denial rate+32.13 pts vs state
34.7%Origination rate-21.44 pts vs state
8.68%Median rate+2.05 pts vs state
1.48Rate spread (pts)+1.13 pts vs state
$82kMedian applicant income
61Loans originated
77Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 183 | 67 | 44.8% | 7.74% | #114 |
| 2024 | 182 | 58 | 43.4% | 9.34% | #122 |
| 2025 | 176 | 61 | 43.8% | 8.68% | #136 |
What BMO Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most BMO Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 42 | 13 | 19 | 45.2% |
| Tulsa County | 30 | 13 | 13 | 43.3% |
| Garfield County | 24 | 9 | 11 | 45.8% |
| Seminole County | 11 | 6 | 3 | 27.3% |
| Cleveland County | 8 | 3 | 4 | 50.0% |
| Carter County | 7 | 3 | 0 | 0.0% |
| Logan County | 7 | 0 | 6 | 85.7% |
| Rogers County | 5 | 1 | 2 | 40.0% |
| Payne County | 5 | 3 | 2 | 40.0% |
| Pontotoc County | 4 | 1 | 2 | 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: 176 applications in 2025, of which 61 were originated and 77 denied.
43.8% of all applications, or 55.0% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans BMO Bank originated in Oklahoma in 2025 was 8.68%, against a statewide median of 6.63%.
About this data. Figures are BMO 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