First Liberty Bank in Oklahoma vs the state
6.8%Denial rate-11.16 pts vs state
7.6%Decision denial rate-15.29 pts vs state
77.0%Origination rate+20.93 pts vs state
—Median rate
—Rate spread (pts)
$131kMedian applicant income
114Loans originated
10Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 239 | 172 | 8.4% | 7.38% | #101 |
| 2024 | 187 | 144 | 5.4% | — | #118 |
| 2025 | 148 | 114 | 6.8% | — | #151 |
What First Liberty Bank lends in Oklahoma
By loan purpose
By loan type
Where in Oklahoma
Counties with the most First Liberty Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 92 | 71 | 6 | 6.5% |
| Cleveland County | 18 | 13 | 0 | 0.0% |
| Canadian County | 16 | 13 | 0 | 0.0% |
| McClain County | 5 | 4 | 1 | 20.0% |
| Logan County | 5 | 4 | 0 | 0.0% |
| Pottawatomie County | 4 | 4 | 0 | 0.0% |
| Delaware County | 3 | 2 | 1 | 33.3% |
| Tulsa County | 2 | 1 | 1 | 50.0% |
| Pittsburg County | 1 | 0 | 1 | 100.0% |
| Marshall County | 1 | 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: 148 applications in 2025, of which 114 were originated and 10 denied.
6.8% of all applications, or 7.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Liberty 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