Legacy Bank in Oklahoma vs the state
13.2%Denial rate-4.73 pts vs state
13.4%Decision denial rate-9.49 pts vs state
84.0%Origination rate+27.93 pts vs state
—Median rate
—Rate spread (pts)
$102kMedian applicant income
121Loans originated
19Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 80 | 21.0% | — | #162 |
| 2024 | 152 | 131 | 10.5% | — | #135 |
| 2025 | 144 | 121 | 13.2% | — | #155 |
What Legacy Bank lends in Oklahoma
By loan purpose
By loan type
Where in Oklahoma
Counties with the most Legacy Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 54 | 52 | 2 | 3.7% |
| Stephens County | 26 | 18 | 7 | 26.9% |
| Cleveland County | 10 | 10 | 0 | 0.0% |
| Custer County | 10 | 9 | 1 | 10.0% |
| Canadian County | 7 | 5 | 1 | 14.3% |
| Caddo County | 7 | 4 | 2 | 28.6% |
| McClain County | 7 | 5 | 1 | 14.3% |
| Grady County | 5 | 3 | 2 | 40.0% |
| Carter County | 3 | 3 | 0 | 0.0% |
| Beckham 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: 144 applications in 2025, of which 121 were originated and 19 denied.
13.2% of all applications, or 13.4% 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 Legacy 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