International Bank of Commerce in Oklahoma vs the state
11.1%Denial rate-6.81 pts vs state
14.6%Decision denial rate-8.24 pts vs state
61.1%Origination rate+5.01 pts vs state
7.25%Median rate+0.63 pts vs state
0.91Rate spread (pts)+0.56 pts vs state
$71kMedian applicant income
33Loans originated
6Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 113 | 75 | 12.4% | 7.00% | #152 |
| 2024 | 100 | 62 | 8.0% | 7.50% | #171 |
| 2025 | 54 | 33 | 11.1% | 7.25% | #250 |
What International Bank of Commerce lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most International Bank of Commerce applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 21 | 16 | 1 | 4.8% |
| Oklahoma County | 5 | 2 | 2 | 40.0% |
| Lincoln County | 4 | 1 | 1 | 25.0% |
| Rogers County | 3 | 1 | 0 | 0.0% |
| Grady County | 3 | 1 | 0 | 0.0% |
| Garvin County | 3 | 2 | 0 | 0.0% |
| McClain County | 2 | 2 | 0 | 0.0% |
| Cleveland County | 2 | 0 | 1 | 50.0% |
| Comanche County | 2 | 1 | 0 | 0.0% |
| Logan 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: 54 applications in 2025, of which 33 were originated and 6 denied.
11.1% of all applications, or 14.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans International Bank of Commerce originated in Oklahoma in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are International Bank of Commerce'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