The Citizens Bank of Edmond in Oklahoma vs the state
3.6%Denial rate-14.30 pts vs state
3.7%Decision denial rate-19.17 pts vs state
89.1%Origination rate+33.03 pts vs state
—Median rate
—Rate spread (pts)
$115kMedian applicant income
123Loans originated
5Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 95 | 2.7% | — | #158 |
| 2024 | 84 | 78 | 2.4% | — | #187 |
| 2025 | 138 | 123 | 3.6% | — | #157 |
What The Citizens Bank of Edmond lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most The Citizens Bank of Edmond applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 88 | 80 | 4 | 4.5% |
| Cleveland County | 13 | 11 | 0 | 0.0% |
| Pottawatomie County | 9 | 9 | 0 | 0.0% |
| Canadian County | 9 | 7 | 0 | 0.0% |
| Grady County | 5 | 4 | 0 | 0.0% |
| Logan County | 5 | 4 | 1 | 20.0% |
| Pittsburg County | 2 | 2 | 0 | 0.0% |
| McCurtain County | 2 | 2 | 0 | 0.0% |
| Garfield County | 1 | 1 | 0 | 0.0% |
| Seminole County | 1 | 1 | 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: 138 applications in 2025, of which 123 were originated and 5 denied.
3.6% of all applications, or 3.7% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Citizens Bank of Edmond'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