First National Bank Of Oklahoma in Oklahoma vs the state
1.2%Denial rate-16.68 pts vs state
1.3%Decision denial rate-21.59 pts vs state
95.0%Origination rate+38.94 pts vs state
—Median rate
—Rate spread (pts)
$93kMedian applicant income
230Loans originated
3Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 284 | 266 | 2.1% | — | #89 |
| 2024 | 254 | 240 | 2.0% | — | #99 |
| 2025 | 242 | 230 | 1.2% | — | #110 |
What First National Bank Of Oklahoma 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 Oklahoma applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 120 | 117 | 0 | 0.0% |
| Kay County | 75 | 69 | 1 | 1.3% |
| Cleveland County | 13 | 12 | 0 | 0.0% |
| Osage County | 8 | 8 | 0 | 0.0% |
| Tulsa County | 5 | 4 | 1 | 20.0% |
| Canadian County | 5 | 4 | 1 | 20.0% |
| McClain County | 3 | 3 | 0 | 0.0% |
| Comanche County | 2 | 2 | 0 | 0.0% |
| Rogers County | 2 | 2 | 0 | 0.0% |
| Noble County | 2 | 2 | 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: 242 applications in 2025, of which 230 were originated and 3 denied.
1.2% of all applications, or 1.3% 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 National Bank Of Oklahoma'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