The Central Trust Bank in Oklahoma vs the state
4.5%Denial rate-13.43 pts vs state
5.5%Decision denial rate-17.40 pts vs state
76.3%Origination rate+20.20 pts vs state
6.63%Median rate0.00 pts vs state
0.21Rate spread (pts)-0.14 pts vs state
$115kMedian applicant income
544Loans originated
32Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 611 | 484 | 3.4% | 6.88% | #46 |
| 2024 | 659 | 504 | 5.0% | 6.99% | #46 |
| 2025 | 713 | 544 | 4.5% | 6.63% | #47 |
What The Central Trust Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 312 | 249 | 8 | 2.6% |
| Tulsa County | 158 | 127 | 3 | 1.9% |
| Canadian County | 33 | 26 | 3 | 9.1% |
| Logan County | 32 | 21 | 1 | 3.1% |
| Cleveland County | 31 | 25 | 2 | 6.5% |
| Creek County | 20 | 13 | 4 | 20.0% |
| Wagoner County | 20 | 16 | 1 | 5.0% |
| Rogers County | 20 | 11 | 4 | 20.0% |
| Pottawatomie County | 8 | 6 | 0 | 0.0% |
| Okmulgee County | 7 | 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: 713 applications in 2025, of which 544 were originated and 32 denied.
4.5% of all applications, or 5.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans The Central Trust Bank originated in Oklahoma in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are The Central Trust 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