Lenders › Bancfirst › Oklahoma
Bancfirst in Oklahoma
HMDA record for properties in Oklahoma, calendar year 2024. National record · Oklahoma overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Oklahoma, Bancfirst reported 4,676 applications and 3,689 originations for 2024, $555m in all.
Its denial rate in the state was 10.1%, below the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 10.2%.
The median rate spread on its Oklahoma originations was 0.7 percentage points (state median 0.5).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Oklahoma | Oklahoma, all lenders | Bancfirst, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.1% | 23.4% | 10.2% | 24.3% |
| Median rate spread, pp | 0.7 | 0.5 | 0.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 22.1% | 17.5% | 22.1% | 15.6% |
| Average originated loan | $150k | $223k | $154k | $329k |
| Home purchase share | 48.3% | 63.6% | 48.4% | 57.0% |
| FHA-insured share | 3.9% | 17.1% | 3.9% | 13.4% |
| VA-guaranteed share | 0.7% | 11.9% | 0.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOklahoma, all lenders
Loan purpose and loan type in Oklahoma
By purpose
Home purchase 48% (1,782)Home improvement 17% (615)Refinancing 20% (744)Cash-out refinancing 1% (25)Other purpose 14% (523)
By type
Conventional 95% (3,487)FHA 4% (143)VA 1% (27)USDA 1% (32)
Denial reasons as coded
Share of 465 denials in Oklahoma by first denial reason coded (outlined bar: all lenders in the state).
Counties in Oklahoma
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 957 | 736 | $125m | 12.5% |
| Cleveland County | 273 | 207 | $38m | 8.4% |
| Stephens County | 237 | 203 | $23m | 6.9% |
| Comanche County | 234 | 196 | $26m | 9.4% |
| Lincoln County | 243 | 189 | $20m | 8.4% |
| Payne County | 222 | 188 | $38m | 7.7% |
| Tulsa County | 235 | 186 | $46m | 9.5% |
| Pottawatomie County | 217 | 179 | $24m | 6.9% |
| Canadian County | 215 | 171 | $26m | 12.1% |
| Wagoner County | 137 | 103 | $20m | 13.4% |
| Cherokee County | 126 | 102 | $12m | 5.6% |
| Rogers County | 118 | 102 | $17m | 6.0% |
| Carter County | 117 | 97 | $12m | 7.8% |
| Muskogee County | 125 | 91 | $9.3m | 17.2% |
| Logan County | 88 | 66 | $12m | 16.5% |
| Pittsburg County | 85 | 62 | $6.3m | 10.6% |
| Delaware County | 64 | 52 | $8.5m | 0.0% |
| Okfuskee County | 60 | 52 | $4.7m | 5.1% |
| Grady County | 63 | 49 | $6.9m | 10.2% |
| Marshall County | 59 | 49 | $5.6m | 5.2% |
| Kingfisher County | 59 | 49 | $4.8m | 8.6% |
| Washington County | 44 | 40 | $5.0m | 6.8% |
| Custer County | 44 | 39 | $6.4m | 2.3% |
| Seminole County | 62 | 38 | $3.6m | 18.0% |
| Craig County | 42 | 35 | $3.0m | 4.9% |
| Kay County | 39 | 33 | $3.1m | 5.3% |
| McClain County | 43 | 32 | $5.3m | 9.3% |
| Creek County | 40 | 28 | $4.6m | 15.4% |
| Mayes County | 34 | 28 | $3.4m | 2.9% |
| McIntosh County | 31 | 24 | $3.6m | 10.0% |
| Tillman County | 32 | 23 | $865k | 15.6% |
| Caddo County | 26 | 19 | $2.3m | 23.1% |
| Garfield County | 26 | 15 | $1.5m | 26.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Bancfirst originate in Oklahoma in 2024?
3,689 loans totalling $555m, from 4,676 applications reported for properties in Oklahoma.
What is Bancfirst's denial rate in Oklahoma?
10.1% of decided applications in Oklahoma were denied, against 23.4% for all lenders in the state and 10.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Oklahoma counties does Bancfirst lend in most?
By originations: Oklahoma County (736), Cleveland County (207), Stephens County (203), Comanche County (196), Lincoln County (189).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Oklahoma. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.