First State Bank in Oklahoma vs the state
16.7%Denial rate-1.25 pts vs state
33.3%Decision denial rate+10.46 pts vs state
33.3%Origination rate-22.77 pts vs state
6.88%Median rate+0.25 pts vs state
0.62Rate spread (pts)+0.27 pts vs state
$121kMedian applicant income
2Loans originated
1Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 6 | 27.3% | 7.94% | #371 |
| 2024 | 7 | 4 | 0.0% | 7.13% | #418 |
| 2025 | 6 | 2 | 16.7% | 6.88% | #464 |
What First State Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most First State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carter County | 2 | 0 | 1 | 50.0% |
| Bryan County | 1 | 0 | 0 | 0.0% |
| Marshall County | 1 | 1 | 0 | 0.0% |
| Logan County | 1 | 1 | 0 | 0.0% |
| Jefferson 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: 6 applications in 2025, of which 2 were originated and 1 denied.
16.7% of all applications, or 33.3% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans First State Bank originated in Oklahoma in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are First State 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