MidFirst Bank in Oklahoma vs the state
26.7%Denial rate+8.76 pts vs state
29.6%Decision denial rate+6.69 pts vs state
62.1%Origination rate+5.96 pts vs state
6.50%Median rate-0.13 pts vs state
-0.30Rate spread (pts)-0.65 pts vs state
$124kMedian applicant income
728Loans originated
313Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,354 | 874 | 22.5% | 6.40% | #19 |
| 2024 | 1,157 | 748 | 25.1% | 6.88% | #26 |
| 2025 | 1,173 | 728 | 26.7% | 6.50% | #28 |
What MidFirst Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most MidFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 585 | 387 | 130 | 22.2% |
| Cleveland County | 138 | 83 | 42 | 30.4% |
| Canadian County | 108 | 62 | 36 | 33.3% |
| Tulsa County | 104 | 74 | 11 | 10.6% |
| Logan County | 33 | 16 | 16 | 48.5% |
| Grady County | 27 | 12 | 13 | 48.1% |
| Jackson County | 23 | 10 | 9 | 39.1% |
| Woodward County | 18 | 7 | 9 | 50.0% |
| Caddo County | 14 | 3 | 10 | 71.4% |
| McClain County | 12 | 4 | 7 | 58.3% |
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: 1,173 applications in 2025, of which 728 were originated and 313 denied.
26.7% of all applications, or 29.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans MidFirst Bank originated in Oklahoma in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are MidFirst 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