Fidelity Bank in Oklahoma vs the state
33.1%Denial rate+15.19 pts vs state
38.3%Decision denial rate+15.41 pts vs state
53.4%Origination rate-2.72 pts vs state
7.24%Median rate+0.62 pts vs state
0.27Rate spread (pts)-0.08 pts vs state
$112kMedian applicant income
79Loans originated
49Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 299 | 168 | 35.5% | 7.74% | #85 |
| 2024 | 227 | 125 | 34.4% | 7.99% | #107 |
| 2025 | 148 | 79 | 33.1% | 7.24% | #150 |
What Fidelity Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Fidelity Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 69 | 35 | 26 | 37.7% |
| Cleveland County | 21 | 9 | 8 | 38.1% |
| Tulsa County | 14 | 9 | 3 | 21.4% |
| Canadian County | 11 | 3 | 4 | 36.4% |
| Delaware County | 7 | 6 | 1 | 14.3% |
| Logan County | 6 | 5 | 1 | 16.7% |
| Grady County | 3 | 2 | 1 | 33.3% |
| Kay County | 2 | 2 | 0 | 0.0% |
| Osage County | 2 | 1 | 1 | 50.0% |
| Sequoyah County | 1 | 0 | 1 | 100.0% |
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: 148 applications in 2025, of which 79 were originated and 49 denied.
33.1% of all applications, or 38.3% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Fidelity Bank originated in Oklahoma in 2025 was 7.24%, against a statewide median of 6.63%.
About this data. Figures are Fidelity 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