First National Bank of America in Oklahoma vs the state
28.6%Denial rate+10.65 pts vs state
57.1%Decision denial rate+34.27 pts vs state
21.4%Origination rate-34.67 pts vs state
8.50%Median rate+1.88 pts vs state
2.18Rate spread (pts)+1.83 pts vs state
$62kMedian applicant income
3Loans originated
4Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 4 | 20.0% | 10.25% | #469 |
| 2024 | 21 | 8 | 14.3% | 8.63% | #309 |
| 2025 | 14 | 3 | 28.6% | 8.50% | #363 |
What First National Bank of America lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 5 | 1 | 1 | 20.0% |
| Tulsa County | 4 | 2 | 0 | 0.0% |
| Canadian County | 2 | 0 | 1 | 50.0% |
| Johnston County | 1 | 0 | 1 | 100.0% |
| Muskogee County | 1 | 0 | 0 | 0.0% |
| Pottawatomie 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: 14 applications in 2025, of which 3 were originated and 4 denied.
28.6% of all applications, or 57.1% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans First National Bank of America originated in Oklahoma in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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