Citibank in Oklahoma vs the state
22.6%Denial rate+4.72 pts vs state
70.6%Decision denial rate+47.72 pts vs state
9.4%Origination rate-46.67 pts vs state
6.50%Median rate-0.13 pts vs state
-0.12Rate spread (pts)-0.46 pts vs state
$116kMedian applicant income
5Loans originated
12Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 34 | 10.3% | 6.88% | #197 |
| 2024 | 61 | 21 | 21.3% | 6.75% | #225 |
| 2025 | 53 | 5 | 22.6% | 6.50% | #253 |
What Citibank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 13 | 1 | 2 | 15.4% |
| Tulsa County | 10 | 1 | 3 | 30.0% |
| Canadian County | 4 | 0 | 0 | 0.0% |
| Cleveland County | 4 | 0 | 2 | 50.0% |
| Sequoyah County | 3 | 1 | 0 | 0.0% |
| Rogers County | 2 | 1 | 1 | 50.0% |
| Seminole County | 2 | 0 | 1 | 50.0% |
| Bryan County | 2 | 0 | 0 | 0.0% |
| McClain County | 1 | 0 | 0 | 0.0% |
| Comanche County | 1 | 0 | 0 | 0.0% |
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: 53 applications in 2025, of which 5 were originated and 12 denied.
22.6% of all applications, or 70.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Citibank originated in Oklahoma in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Citibank'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