Equity Bank in Oklahoma vs the state
14.2%Denial rate-3.68 pts vs state
15.5%Decision denial rate-7.38 pts vs state
77.1%Origination rate+20.99 pts vs state
7.75%Median rate+1.13 pts vs state
-2.11Rate spread (pts)-2.46 pts vs state
$79kMedian applicant income
249Loans originated
46Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 316 | 247 | 9.8% | 8.31% | #84 |
| 2024 | 295 | 224 | 11.9% | 8.39% | #89 |
| 2025 | 323 | 249 | 14.2% | 7.75% | #89 |
What Equity Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Equity Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kay County | 94 | 53 | 28 | 29.8% |
| Texas County | 73 | 65 | 4 | 5.5% |
| Oklahoma County | 38 | 31 | 3 | 7.9% |
| Tulsa County | 37 | 34 | 1 | 2.7% |
| Kingfisher County | 11 | 10 | 0 | 0.0% |
| Osage County | 9 | 6 | 2 | 22.2% |
| Garfield County | 8 | 8 | 0 | 0.0% |
| Payne County | 5 | 3 | 1 | 20.0% |
| Rogers County | 4 | 4 | 0 | 0.0% |
| Washington County | 3 | 3 | 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: 323 applications in 2025, of which 249 were originated and 46 denied.
14.2% of all applications, or 15.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Equity Bank originated in Oklahoma in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Equity 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