BOKF in Oklahoma vs the state
20.2%Denial rate+2.24 pts vs state
25.9%Decision denial rate+3.03 pts vs state
56.4%Origination rate+0.30 pts vs state
6.63%Median rate0.00 pts vs state
0.29Rate spread (pts)-0.06 pts vs state
$93kMedian applicant income
2,384Loans originated
852Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,256 | 2,313 | 30.9% | 7.15% | #6 |
| 2024 | 4,178 | 2,256 | 26.5% | 7.13% | #6 |
| 2025 | 4,227 | 2,384 | 20.2% | 6.63% | #6 |
What BOKF lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most BOKF applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 1,785 | 1,052 | 283 | 15.9% |
| Oklahoma County | 713 | 375 | 176 | 24.7% |
| Cleveland County | 273 | 154 | 66 | 24.2% |
| Wagoner County | 193 | 119 | 32 | 16.6% |
| Rogers County | 165 | 101 | 31 | 18.8% |
| Canadian County | 159 | 85 | 35 | 22.0% |
| Creek County | 131 | 74 | 30 | 22.9% |
| Garfield County | 110 | 60 | 20 | 18.2% |
| Osage County | 101 | 51 | 22 | 21.8% |
| Washington County | 67 | 34 | 15 | 22.4% |
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% |
| 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: 4,227 applications in 2025, of which 2,384 were originated and 852 denied.
20.2% of all applications, or 25.9% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans BOKF originated in Oklahoma in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are BOKF'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