UMB Bank in Oklahoma vs the state
28.1%Denial rate+10.15 pts vs state
30.2%Decision denial rate+7.32 pts vs state
61.4%Origination rate+5.30 pts vs state
5.99%Median rate-0.63 pts vs state
-1.10Rate spread (pts)-1.45 pts vs state
$136kMedian applicant income
35Loans originated
16Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 55 | 35.4% | 5.99% | #171 |
| 2024 | 75 | 42 | 41.3% | 6.99% | #200 |
| 2025 | 57 | 35 | 28.1% | 5.99% | #243 |
What UMB Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 17 | 8 | 6 | 35.3% |
| Tulsa County | 15 | 11 | 4 | 26.7% |
| Cleveland County | 6 | 4 | 1 | 16.7% |
| Canadian County | 3 | 2 | 1 | 33.3% |
| Custer County | 2 | 2 | 0 | 0.0% |
| Delaware County | 2 | 1 | 0 | 0.0% |
| Logan County | 2 | 2 | 0 | 0.0% |
| Creek County | 2 | 0 | 1 | 50.0% |
| Osage County | 2 | 2 | 0 | 0.0% |
| Wagoner County | 1 | 0 | 1 | 100.0% |
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: 57 applications in 2025, of which 35 were originated and 16 denied.
28.1% of all applications, or 30.2% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans UMB Bank originated in Oklahoma in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are UMB 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