PlainLender

BOKF NA

TULSA, OK

BOKF NA processed 11,220 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 5,852 loans with a 27.4% denial rate. Home Purchase was the primary loan purpose. Based in TULSA, OK. The approval rate of 52.2% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. BOKF NA processed 11,220 HMDA-reported mortgage applications in 2024, originating 5,852 loans and denying 3,077 for a denial rate of 27.4% (applicants themselves withdrew 1,926 files before a decision). The average loan amount was $289,423 at a 7.416% average note rate, and applicants self-reported an average income of $37,000. The lender reports under LEI FU7RSW4CQQY98A2O7J66 from TULSA, OK.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. BOKF NA's 52.2% origination rate tells you how often an application turned into funded money; the 27.4% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (10,342 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

11,220
Applications
5,852
Originated
27.4%
Denial Rate
$289,423
Avg Loan Amount
Avg Interest Rate: 7.416% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 10,342 5,246 3,004 $291,017
FHA 665 453 60 $246,218
VA 184 137 7 $370,761
USDA 29 16 6 $195,690

Top loan types — BOKF NA

Top loan types — BOKF NA Horizontal bar chart of the top 4 items by value (applications). Top loan types — BOKF NA Top 4 1. Conventional 10,342 2. FHA 665 3. VA 184 4. USDA 29 Top 5 loan types by application volume at BOKF NA (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for BOKF NA (LEI: FU7RSW4CQQY98A2O7J66) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
1,233
Credit history
1,226
Other
701
Unverifiable information
380
Collateral
329
Credit application incomplete
179
Employment history
34
Insufficient cash
33

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 4,426 3,202 $520,398
Other 2,834 859 $101,119
Home Improvement 2,483 991 $82,068
Refinancing 964 592 $311,245
Cash-out Refinancing 513 208 $299,542

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 7,819 54.3% 25.9%
Asian 602 50.7% 26.7%
Black or African American 574 34.5% 46.3%
Joint 527 61.5% 19.0%
American Indian or Alaska Native 463 47.1% 30.0%
2 or more minority races 41 34.1% 48.8%
Native Hawaiian or Other Pacific Islander 18 38.9% 38.9%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 7,779 55.1% 24.7%
Hispanic or Latino 2,070 41.8% 37.8%
Joint 485 57.3% 26.0%

Nearby Lenders in OK

Other HMDA-reporting lenders in OK with similar activity. Compare any two side-by-side.

ARVEST BANK

TULSA, OK

20,066 apps 12,946 originated 16.2% denied

MidFirst Bank

Oklahoma City, OK

14,527 apps 1,920 originated 2.8% denied

GATEWAY FIRST BANK

JENKS, OK

13,103 apps 8,366 originated 4.3% denied

FINANCE OF AMERICA REVERSE LLC

TULSA, OK

12,910 apps 8,638 originated 8.3% denied

BANCFIRST

OKLAHOMA CITY, OK

4,709 apps 3,713 originated 10.0% denied
Compare BOKF NA vs ARVEST BANK →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did BOKF NA process?
BOKF NA processed 11,220 mortgage applications in the 2023 HMDA reporting year. Of these, 5,852 were originated (approved and funded), 1,926 were withdrawn by the applicant, and 3,077 were denied.
What is BOKF NA's mortgage approval rate?
BOKF NA has an approval (origination) rate of 52.2%, meaning 52.2% of all applications resulted in a funded mortgage. The denial rate is 27.4%.
What is the average loan amount at BOKF NA?
The average mortgage loan amount at BOKF NA is $289,423. The average interest rate is 7.416%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at BOKF NA?
The most common reasons for mortgage denial at BOKF NA are: Debt-to-income ratio, Credit history, Other. In total, 3,077 applications were denied out of 11,220 total applications.
What types of mortgage loans does BOKF NA offer?
BOKF NA processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 10,342 applications and an average loan amount of $291,017.
What loan purposes does BOKF NA serve?
BOKF NA serves the following loan purposes: Home Purchase (4,426 applications), Other (2,834 applications), Home Improvement (2,483 applications), Refinancing (964 applications), Cash-out Refinancing (513 applications). Home Purchase is the most common purpose.
Where is BOKF NA located?
BOKF NA is headquartered in TULSA, OK. The lender is identified by LEI FU7RSW4CQQY98A2O7J66 in HMDA data.
How does BOKF NA compare in lending across racial demographics?
BOKF NA reports demographic lending data under HMDA requirements. White applicants have an approval rate of 54.3% and denial rate of 25.9%; Asian applicants have an approval rate of 50.7% and denial rate of 26.7%; Black or African American applicants have an approval rate of 34.5% and denial rate of 46.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.