First Federal Bank in Oklahoma vs the state
4.3%Denial rate-13.63 pts vs state
6.5%Decision denial rate-16.35 pts vs state
61.4%Origination rate+5.33 pts vs state
6.13%Median rate-0.50 pts vs state
-0.20Rate spread (pts)-0.55 pts vs state
$131kMedian applicant income
43Loans originated
3Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 20 | 4.7% | 6.63% | #234 |
| 2024 | 87 | 45 | 9.2% | 6.13% | #185 |
| 2025 | 70 | 43 | 4.3% | 6.13% | #231 |
What First Federal Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 15 | 11 | 0 | 0.0% |
| Canadian County | 9 | 7 | 0 | 0.0% |
| Tulsa County | 8 | 5 | 1 | 12.5% |
| Cleveland County | 8 | 6 | 0 | 0.0% |
| Comanche County | 5 | 2 | 0 | 0.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Muskogee County | 2 | 1 | 0 | 0.0% |
| Carter County | 2 | 1 | 1 | 50.0% |
| Rogers County | 2 | 1 | 0 | 0.0% |
| Pittsburg County | 2 | 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: 70 applications in 2025, of which 43 were originated and 3 denied.
4.3% of all applications, or 6.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans First Federal Bank originated in Oklahoma in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are First Federal 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