FNB Community Bank in Oklahoma vs the state
20.2%Denial rate+2.28 pts vs state
22.4%Decision denial rate-0.52 pts vs state
68.2%Origination rate+12.08 pts vs state
—Median rate
—Rate spread (pts)
$80kMedian applicant income
135Loans originated
40Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 128 | 25.0% | — | #110 |
| 2024 | 203 | 132 | 21.7% | — | #112 |
| 2025 | 198 | 135 | 20.2% | — | #127 |
What FNB Community Bank lends in Oklahoma
By loan purpose
By loan type
Where in Oklahoma
Counties with the most FNB Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 160 | 116 | 28 | 17.5% |
| Cleveland County | 23 | 14 | 6 | 26.1% |
| Canadian County | 4 | 3 | 0 | 0.0% |
| Pottawatomie County | 3 | 0 | 3 | 100.0% |
| Lincoln County | 3 | 1 | 1 | 33.3% |
| Logan County | 2 | 1 | 0 | 0.0% |
| McIntosh County | 1 | 0 | 1 | 100.0% |
| Comanche County | 1 | 0 | 0 | 0.0% |
| Grady 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: 198 applications in 2025, of which 135 were originated and 40 denied.
20.2% of all applications, or 22.4% 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 FNB Community 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