NBKC Bank in Oklahoma vs the state
8.5%Denial rate-9.44 pts vs state
11.8%Decision denial rate-11.11 pts vs state
63.0%Origination rate+6.93 pts vs state
6.13%Median rate-0.50 pts vs state
-0.20Rate spread (pts)-0.54 pts vs state
$136kMedian applicant income
104Loans originated
14Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 151 | 89 | 5.3% | 6.25% | #128 |
| 2024 | 177 | 107 | 11.3% | 6.25% | #123 |
| 2025 | 165 | 104 | 8.5% | 6.13% | #142 |
What NBKC Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 47 | 29 | 2 | 4.3% |
| Tulsa County | 37 | 19 | 6 | 16.2% |
| Cleveland County | 20 | 15 | 2 | 10.0% |
| Garfield County | 13 | 12 | 0 | 0.0% |
| Canadian County | 12 | 8 | 0 | 0.0% |
| Jackson County | 4 | 3 | 0 | 0.0% |
| Payne County | 4 | 1 | 1 | 25.0% |
| Muskogee County | 3 | 3 | 0 | 0.0% |
| Wagoner County | 3 | 2 | 0 | 0.0% |
| Logan County | 3 | 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: 165 applications in 2025, of which 104 were originated and 14 denied.
8.5% of all applications, or 11.8% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans NBKC Bank originated in Oklahoma in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are NBKC 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