RCB Bank in Oklahoma vs the state
7.8%Denial rate-10.08 pts vs state
9.6%Decision denial rate-13.30 pts vs state
72.2%Origination rate+16.09 pts vs state
6.38%Median rate-0.25 pts vs state
0.07Rate spread (pts)-0.28 pts vs state
$99kMedian applicant income
488Loans originated
53Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 698 | 496 | 12.9% | 6.25% | #41 |
| 2024 | 664 | 465 | 9.6% | 6.50% | #45 |
| 2025 | 676 | 488 | 7.8% | 6.38% | #51 |
What RCB Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most RCB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 144 | 115 | 6 | 4.2% |
| Rogers County | 115 | 80 | 9 | 7.8% |
| Kay County | 93 | 64 | 13 | 14.0% |
| Mayes County | 56 | 38 | 5 | 8.9% |
| Payne County | 55 | 42 | 5 | 9.1% |
| Oklahoma County | 41 | 27 | 2 | 4.9% |
| Osage County | 34 | 25 | 6 | 17.6% |
| Wagoner County | 24 | 15 | 1 | 4.2% |
| Washington County | 22 | 15 | 4 | 18.2% |
| Craig County | 18 | 16 | 1 | 5.6% |
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: 676 applications in 2025, of which 488 were originated and 53 denied.
7.8% of all applications, or 9.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans RCB Bank originated in Oklahoma in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are RCB 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