Community National Bank & Trust in Oklahoma vs the state
11.8%Denial rate-6.08 pts vs state
13.0%Decision denial rate-9.83 pts vs state
77.6%Origination rate+21.53 pts vs state
8.25%Median rate+1.63 pts vs state
1.25Rate spread (pts)+0.90 pts vs state
$112kMedian applicant income
59Loans originated
9Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 85 | 75 | 3.5% | 8.38% | #180 |
| 2024 | 83 | 66 | 4.8% | 8.75% | #188 |
| 2025 | 76 | 59 | 11.8% | 8.25% | #223 |
What Community National Bank & Trust lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Community National Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kay County | 39 | 34 | 4 | 10.3% |
| Osage County | 11 | 8 | 2 | 18.2% |
| Delaware County | 9 | 5 | 3 | 33.3% |
| Ottawa County | 4 | 3 | 0 | 0.0% |
| Tulsa County | 4 | 2 | 0 | 0.0% |
| Nowata County | 2 | 2 | 0 | 0.0% |
| Cleveland County | 1 | 1 | 0 | 0.0% |
| Canadian County | 1 | 0 | 0 | 0.0% |
| McIntosh County | 1 | 1 | 0 | 0.0% |
| Logan County | 1 | 1 | 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: 76 applications in 2025, of which 59 were originated and 9 denied.
11.8% of all applications, or 13.0% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Community National Bank & Trust originated in Oklahoma in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Community National Bank & Trust'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