Luminate Bank in Oklahoma vs the state
2.9%Denial rate-14.98 pts vs state
4.0%Decision denial rate-18.87 pts vs state
69.4%Origination rate+13.31 pts vs state
6.88%Median rate+0.25 pts vs state
0.66Rate spread (pts)+0.31 pts vs state
$71kMedian applicant income
118Loans originated
5Denied
What Luminate Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Luminate Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 59 | 41 | 1 | 1.7% |
| Cleveland County | 34 | 24 | 2 | 5.9% |
| Canadian County | 24 | 18 | 0 | 0.0% |
| Garfield County | 11 | 8 | 1 | 9.1% |
| Tulsa County | 10 | 3 | 0 | 0.0% |
| Kingfisher County | 5 | 4 | 0 | 0.0% |
| Logan County | 4 | 4 | 0 | 0.0% |
| Wagoner County | 3 | 1 | 0 | 0.0% |
| Grady County | 3 | 2 | 0 | 0.0% |
| McClain County | 3 | 3 | 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: 170 applications in 2025, of which 118 were originated and 5 denied.
2.9% of all applications, or 4.0% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Luminate Bank originated in Oklahoma in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Luminate 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