USAA Federal Savings Bank in Oklahoma vs the state
23.9%Denial rate+5.96 pts vs state
33.6%Decision denial rate+10.69 pts vs state
47.0%Origination rate-9.14 pts vs state
6.25%Median rate-0.38 pts vs state
-0.15Rate spread (pts)-0.49 pts vs state
$117kMedian applicant income
293Loans originated
149Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 560 | 321 | 16.6% | 6.38% | #51 |
| 2024 | 578 | 293 | 20.8% | 6.50% | #54 |
| 2025 | 624 | 293 | 23.9% | 6.25% | #52 |
What USAA Federal Savings Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most USAA Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 102 | 42 | 20 | 19.6% |
| Tulsa County | 75 | 39 | 15 | 20.0% |
| Cleveland County | 66 | 29 | 16 | 24.2% |
| Comanche County | 65 | 30 | 18 | 27.7% |
| Canadian County | 31 | 12 | 4 | 12.9% |
| Garfield County | 23 | 10 | 6 | 26.1% |
| Pottawatomie County | 19 | 9 | 6 | 31.6% |
| Logan County | 18 | 10 | 3 | 16.7% |
| Creek County | 15 | 5 | 7 | 46.7% |
| Jackson County | 15 | 7 | 3 | 20.0% |
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: 624 applications in 2025, of which 293 were originated and 149 denied.
23.9% of all applications, or 33.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans USAA Federal Savings Bank originated in Oklahoma in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are USAA 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