Sovereign Bank in Oklahoma vs the state
1.8%Denial rate-16.17 pts vs state
1.8%Decision denial rate-21.07 pts vs state
90.7%Origination rate+34.58 pts vs state
6.99%Median rate+0.37 pts vs state
0.26Rate spread (pts)-0.09 pts vs state
$103kMedian applicant income
467Loans originated
9Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 499 | 432 | 3.4% | 7.13% | #56 |
| 2024 | 573 | 507 | 2.8% | 7.00% | #55 |
| 2025 | 515 | 467 | 1.8% | 6.99% | #63 |
What Sovereign Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Sovereign Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 175 | 156 | 5 | 2.9% |
| Comanche County | 68 | 65 | 1 | 1.5% |
| Canadian County | 66 | 62 | 0 | 0.0% |
| Cleveland County | 50 | 46 | 2 | 4.0% |
| Pottawatomie County | 47 | 42 | 1 | 2.1% |
| Logan County | 15 | 14 | 0 | 0.0% |
| McClain County | 14 | 13 | 0 | 0.0% |
| Grady County | 11 | 10 | 0 | 0.0% |
| Greer County | 8 | 8 | 0 | 0.0% |
| Seminole County | 8 | 5 | 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: 515 applications in 2025, of which 467 were originated and 9 denied.
1.8% of all applications, or 1.8% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Sovereign Bank originated in Oklahoma in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Sovereign 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