Lender in Oklahoma · HMDA 2025
RCB Bank mortgages in Oklahoma
RCB Bank's 2025 home-purchase and refinance lending in Oklahoma, compared with all lenders in the state.
RCB Bank originated 326 owner-occupied single-family loans in Oklahoma from 364 completed applications.
Its median conventional purchase loan costs were $4,520 versus $4,880 for all Oklahoma lenders, at a median 30-year fixed rate of 6.75% (Oklahoma: 6.625%).
Loans in OK
326
of 364 applications
Denial rate
5.6%
Purchase · OK 7.6%
Rate spread
+0.06 pts
Conv. · OK +0.21 pts
Loan amount
$245,000
Purchase · OK $235,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 267 | 248 | 5.6% | 6.750% | +0.06 pts | $4,520 | $245,000 |
| Refinance | 33 | 27 | 15.2% | — | −0.74 pts | $3,830 | $135,000 |
| Cash-out refinance | 64 | 51 | 18.8% | — | −0.46 pts | $4,180 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
Oklahoma counties where RCB Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kay County | 2 | 52 | 14.2% |
| Craig County | 3 | 8 | 7.5% |
| Mayes County | 6 | 21 | 5.0% |
| Grant County | 6 | 1 | 2.6% |
| Payne County | 7 | 25 | 3.5% |
| Rogers County | 8 | 45 | 3.0% |
| Osage County | 11 | 13 | 2.7% |
| Washington County | 12 | 13 | 2.1% |
| Delaware County | 14 | 5 | 1.4% |
| Pawnee County | 15 | 3 | 2.0% |
| Nowata County | 16 | 1 | 1.6% |
| Okfuskee County | 18 | 1 | 1.2% |
| Tulsa County | 19 | 88 | 1.1% |
| Ottawa County | 19 | 2 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology