Lender in Oklahoma · HMDA 2025
Sovereign Bank mortgages in Oklahoma
Sovereign Bank's 2025 home-purchase and refinance lending in Oklahoma, compared with all lenders in the state.
Sovereign Bank originated 268 owner-occupied single-family loans in Oklahoma from 298 completed applications.
Its median conventional purchase loan costs were $4,610 versus $4,880 for all Oklahoma lenders, at a median 30-year fixed rate of 6.75% (Oklahoma: 6.625%).
Loans in OK
268
of 298 applications
Denial rate
2.0%
Purchase · OK 7.6%
Rate spread
+0.25 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 | 248 | 225 | 2.0% | 6.750% | +0.25 pts | $4,610 | $245,000 |
| Refinance | 28 | 26 | 3.6% | — | +0.13 pts | $4,500 | $235,000 |
| Cash-out refinance | 22 | 17 | 9.1% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Oklahoma counties where Sovereign Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Greer County | 3 | 3 | 8.8% |
| Harmon County | 4 | 1 | 8.3% |
| Pushmataha County | 7 | 2 | 3.2% |
| Pottawatomie County | 10 | 20 | 2.3% |
| Hughes County | 12 | 2 | 2.5% |
| Comanche County | 13 | 25 | 1.5% |
| Seminole County | 13 | 3 | 1.7% |
| Tillman County | 13 | 1 | 2.9% |
| Atoka County | 14 | 1 | 1.3% |
| Jackson County | 16 | 4 | 1.3% |
| Beckham County | 18 | 2 | 1.1% |
| Kingfisher County | 20 | 2 | 1.2% |
| Canadian County | 22 | 43 | 1.2% |
| Grady County | 25 | 9 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology