Simmons Bank in Oklahoma vs the state
14.7%Denial rate-3.21 pts vs state
17.1%Decision denial rate-5.75 pts vs state
69.7%Origination rate+13.61 pts vs state
6.50%Median rate-0.13 pts vs state
0.11Rate spread (pts)-0.23 pts vs state
$95kMedian applicant income
237Loans originated
50Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 356 | 265 | 11.5% | 7.13% | #74 |
| 2024 | 335 | 239 | 16.7% | 7.25% | #77 |
| 2025 | 340 | 237 | 14.7% | 6.50% | #84 |
What Simmons Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Simmons Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 106 | 81 | 14 | 13.2% |
| Payne County | 96 | 71 | 7 | 7.3% |
| Carter County | 14 | 10 | 2 | 14.3% |
| Tulsa County | 12 | 7 | 4 | 33.3% |
| Bryan County | 11 | 5 | 1 | 9.1% |
| Canadian County | 11 | 9 | 1 | 9.1% |
| Marshall County | 10 | 4 | 4 | 40.0% |
| Grady County | 10 | 6 | 3 | 30.0% |
| Garvin County | 10 | 5 | 4 | 40.0% |
| Cleveland County | 9 | 9 | 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: 340 applications in 2025, of which 237 were originated and 50 denied.
14.7% of all applications, or 17.1% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Simmons Bank originated in Oklahoma in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Simmons 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