U.S. Bank in Oklahoma vs the state
50.3%Denial rate+32.41 pts vs state
60.8%Decision denial rate+37.91 pts vs state
31.4%Origination rate-24.74 pts vs state
7.90%Median rate+1.28 pts vs state
1.38Rate spread (pts)+1.03 pts vs state
$97kMedian applicant income
281Loans originated
451Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,005 | 284 | 60.0% | 8.28% | #26 |
| 2024 | 854 | 284 | 54.0% | 7.68% | #35 |
| 2025 | 896 | 281 | 50.3% | 7.90% | #36 |
What U.S. Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 216 | 70 | 102 | 47.2% |
| Tulsa County | 160 | 47 | 85 | 53.1% |
| Canadian County | 93 | 27 | 47 | 50.5% |
| Cleveland County | 85 | 27 | 43 | 50.6% |
| Rogers County | 23 | 8 | 10 | 43.5% |
| Grady County | 20 | 10 | 7 | 35.0% |
| Comanche County | 20 | 2 | 16 | 80.0% |
| Wagoner County | 17 | 4 | 9 | 52.9% |
| McClain County | 17 | 7 | 6 | 35.3% |
| Creek County | 15 | 7 | 5 | 33.3% |
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: 896 applications in 2025, of which 281 were originated and 451 denied.
50.3% of all applications, or 60.8% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans U.S. Bank originated in Oklahoma in 2025 was 7.90%, against a statewide median of 6.63%.
About this data. Figures are U.S. 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