PNC Bank in Oklahoma vs the state
33.0%Denial rate+15.04 pts vs state
44.7%Decision denial rate+21.83 pts vs state
39.7%Origination rate-16.44 pts vs state
6.75%Median rate+0.13 pts vs state
0.06Rate spread (pts)-0.29 pts vs state
$106kMedian applicant income
71Loans originated
59Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 190 | 86 | 28.4% | 8.94% | #113 |
| 2024 | 154 | 68 | 29.2% | 7.19% | #133 |
| 2025 | 179 | 71 | 33.0% | 6.75% | #135 |
What PNC Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 41 | 20 | 12 | 29.3% |
| Tulsa County | 28 | 13 | 7 | 25.0% |
| Cleveland County | 24 | 6 | 11 | 45.8% |
| Canadian County | 11 | 5 | 3 | 27.3% |
| Sequoyah County | 6 | 1 | 4 | 66.7% |
| Lincoln County | 6 | 1 | 2 | 33.3% |
| Carter County | 5 | 2 | 1 | 20.0% |
| Wagoner County | 4 | 2 | 1 | 25.0% |
| Creek County | 4 | 0 | 3 | 75.0% |
| Jackson County | 4 | 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: 179 applications in 2025, of which 71 were originated and 59 denied.
33.0% of all applications, or 44.7% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans PNC Bank originated in Oklahoma in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are PNC 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