Patrons Bank in Oklahoma vs the state
8.0%Denial rate-9.92 pts vs state
8.3%Decision denial rate-14.54 pts vs state
82.0%Origination rate+25.90 pts vs state
—Median rate
—Rate spread (pts)
$72kMedian applicant income
82Loans originated
8Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 90 | 12.4% | — | #143 |
| 2024 | 98 | 66 | 21.4% | — | #175 |
| 2025 | 100 | 82 | 8.0% | — | #189 |
What Patrons Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Patrons Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Okmulgee County | 57 | 43 | 6 | 10.5% |
| Tulsa County | 18 | 18 | 0 | 0.0% |
| Okfuskee County | 7 | 6 | 0 | 0.0% |
| McIntosh County | 6 | 5 | 1 | 16.7% |
| Seminole County | 5 | 3 | 1 | 20.0% |
| Hughes County | 2 | 2 | 0 | 0.0% |
| Oklahoma County | 2 | 2 | 0 | 0.0% |
| Comanche County | 1 | 1 | 0 | 0.0% |
| Delaware County | 1 | 1 | 0 | 0.0% |
| Pottawatomie 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: 100 applications in 2025, of which 82 were originated and 8 denied.
8.0% of all applications, or 8.3% 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 Patrons 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