Citizens Bank in Oklahoma vs the state
19.2%Denial rate+1.31 pts vs state
26.3%Decision denial rate+3.45 pts vs state
49.0%Origination rate-7.06 pts vs state
8.15%Median rate+1.53 pts vs state
0.96Rate spread (pts)+0.61 pts vs state
$123kMedian applicant income
51Loans originated
20Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 327 | 163 | 41.3% | 8.50% | #80 |
| 2024 | 132 | 54 | 40.2% | 9.65% | #149 |
| 2025 | 104 | 51 | 19.2% | 8.15% | #179 |
What Citizens Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 27 | 11 | 7 | 25.9% |
| Oklahoma County | 18 | 11 | 2 | 11.1% |
| Cleveland County | 10 | 7 | 2 | 20.0% |
| Canadian County | 9 | 4 | 2 | 22.2% |
| Delaware County | 5 | 3 | 0 | 0.0% |
| Logan County | 3 | 3 | 0 | 0.0% |
| Bryan County | 2 | 1 | 1 | 50.0% |
| Washington County | 2 | 0 | 1 | 50.0% |
| Texas County | 2 | 1 | 0 | 0.0% |
| Stephens County | 2 | 1 | 1 | 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: 104 applications in 2025, of which 51 were originated and 20 denied.
19.2% of all applications, or 26.3% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Citizens Bank originated in Oklahoma in 2025 was 8.15%, against a statewide median of 6.63%.
About this data. Figures are Citizens 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