The Federal Savings Bank in Oklahoma vs the state
10.5%Denial rate-7.47 pts vs state
20.4%Decision denial rate-2.52 pts vs state
39.6%Origination rate-16.55 pts vs state
6.50%Median rate-0.13 pts vs state
0.38Rate spread (pts)+0.03 pts vs state
$82kMedian applicant income
87Loans originated
23Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 238 | 90 | 11.8% | 6.25% | #102 |
| 2024 | 164 | 54 | 8.5% | 6.50% | #128 |
| 2025 | 220 | 87 | 10.5% | 6.50% | #116 |
What The Federal Savings Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 30 | 7 | 7 | 23.3% |
| Bryan County | 29 | 22 | 0 | 0.0% |
| Tulsa County | 27 | 12 | 2 | 7.4% |
| Canadian County | 13 | 3 | 2 | 15.4% |
| Cleveland County | 12 | 2 | 2 | 16.7% |
| Comanche County | 10 | 2 | 2 | 20.0% |
| Marshall County | 8 | 5 | 1 | 12.5% |
| Sequoyah County | 6 | 3 | 1 | 16.7% |
| Logan County | 6 | 0 | 0 | 0.0% |
| Rogers County | 6 | 2 | 1 | 16.7% |
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: 220 applications in 2025, of which 87 were originated and 23 denied.
10.5% of all applications, or 20.4% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans The Federal Savings Bank originated in Oklahoma in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are The Federal Savings 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