First-Citizens Bank & Trust in Oklahoma vs the state
25.5%Denial rate+7.61 pts vs state
32.4%Decision denial rate+9.56 pts vs state
48.9%Origination rate-7.16 pts vs state
6.10%Median rate-0.53 pts vs state
0.09Rate spread (pts)-0.26 pts vs state
$218kMedian applicant income
23Loans originated
12Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 13 | 15.0% | 6.10% | #318 |
| 2024 | 51 | 36 | 17.7% | 6.35% | #234 |
| 2025 | 47 | 23 | 25.5% | 6.10% | #265 |
What First-Citizens Bank & Trust lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most First-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 14 | 8 | 2 | 14.3% |
| Cleveland County | 14 | 5 | 6 | 42.9% |
| Canadian County | 6 | 4 | 2 | 33.3% |
| Tulsa County | 2 | 1 | 0 | 0.0% |
| Comanche County | 2 | 1 | 0 | 0.0% |
| Okmulgee County | 1 | 1 | 0 | 0.0% |
| Pottawatomie County | 1 | 0 | 1 | 100.0% |
| McCurtain County | 1 | 0 | 0 | 0.0% |
| McIntosh County | 1 | 1 | 0 | 0.0% |
| Pittsburg County | 1 | 0 | 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: 47 applications in 2025, of which 23 were originated and 12 denied.
25.5% of all applications, or 32.4% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans First-Citizens Bank & Trust originated in Oklahoma in 2025 was 6.10%, against a statewide median of 6.63%.
About this data. Figures are First-Citizens 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