Vision Bank in Oklahoma vs the state
13.0%Denial rate-4.96 pts vs state
14.6%Decision denial rate-8.26 pts vs state
74.4%Origination rate+18.32 pts vs state
7.50%Median rate+0.88 pts vs state
1.05Rate spread (pts)+0.70 pts vs state
$96kMedian applicant income
224Loans originated
39Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 428 | 322 | 10.3% | 6.75% | #63 |
| 2024 | 304 | 221 | 13.8% | 7.50% | #85 |
| 2025 | 301 | 224 | 13.0% | 7.50% | #95 |
What Vision Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Vision Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pontotoc County | 95 | 75 | 12 | 12.6% |
| Murray County | 31 | 24 | 4 | 12.9% |
| Bryan County | 28 | 24 | 1 | 3.6% |
| Pottawatomie County | 28 | 19 | 4 | 14.3% |
| Lincoln County | 23 | 15 | 6 | 26.1% |
| Cleveland County | 14 | 10 | 1 | 7.1% |
| Marshall County | 13 | 8 | 2 | 15.4% |
| Oklahoma County | 11 | 6 | 2 | 18.2% |
| Garvin County | 10 | 8 | 1 | 10.0% |
| Seminole County | 7 | 4 | 2 | 28.6% |
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: 301 applications in 2025, of which 224 were originated and 39 denied.
13.0% of all applications, or 14.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Vision Bank originated in Oklahoma in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Vision 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