Discover Bank in Oklahoma vs the state
56.9%Denial rate+38.97 pts vs state
77.5%Decision denial rate+54.67 pts vs state
16.2%Origination rate-39.88 pts vs state
8.95%Median rate+2.32 pts vs state
2.44Rate spread (pts)+2.09 pts vs state
$102kMedian applicant income
126Loans originated
442Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,548 | 405 | 47.5% | 9.74% | #10 |
| 2024 | 2,474 | 450 | 52.2% | 8.97% | #12 |
| 2025 | 777 | 126 | 56.9% | 8.95% | #44 |
What Discover Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 161 | 34 | 86 | 53.4% |
| Tulsa County | 149 | 23 | 83 | 55.7% |
| Canadian County | 65 | 10 | 40 | 61.5% |
| Cleveland County | 62 | 13 | 33 | 53.2% |
| Wagoner County | 30 | 7 | 17 | 56.7% |
| Rogers County | 24 | 2 | 15 | 62.5% |
| Logan County | 20 | 2 | 12 | 60.0% |
| Washington County | 15 | 4 | 5 | 33.3% |
| Comanche County | 14 | 0 | 11 | 78.6% |
| McClain County | 14 | 3 | 6 | 42.9% |
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: 777 applications in 2025, of which 126 were originated and 442 denied.
56.9% of all applications, or 77.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Discover Bank originated in Oklahoma in 2025 was 8.95%, against a statewide median of 6.63%.
About this data. Figures are Discover 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