Valor Bank in Oklahoma vs the state
1.6%Denial rate-16.33 pts vs state
1.9%Decision denial rate-20.95 pts vs state
75.6%Origination rate+19.45 pts vs state
—Median rate
—Rate spread (pts)
$149kMedian applicant income
380Loans originated
8Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 420 | 359 | 2.1% | 7.25% | #65 |
| 2024 | 476 | 376 | 1.3% | — | #60 |
| 2025 | 503 | 380 | 1.6% | — | #65 |
What Valor Bank lends in Oklahoma
By loan purpose
By loan type
Where in Oklahoma
Counties with the most Valor Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 370 | 279 | 5 | 1.4% |
| Canadian County | 36 | 29 | 1 | 2.8% |
| Cleveland County | 36 | 24 | 2 | 5.6% |
| Logan County | 32 | 26 | 0 | 0.0% |
| Tulsa County | 6 | 6 | 0 | 0.0% |
| Grady County | 6 | 5 | 0 | 0.0% |
| McClain County | 4 | 3 | 0 | 0.0% |
| Pottawatomie County | 3 | 2 | 0 | 0.0% |
| Payne County | 2 | 2 | 0 | 0.0% |
| Jackson County | 1 | 0 | 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: 503 applications in 2025, of which 380 were originated and 8 denied.
1.6% of all applications, or 1.9% 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 Valor 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