PlainLender

INTERBANK

OKLAHOMA CITY, OK

INTERBANK processed 404 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 275 loans with a 13.4% denial rate. Home Purchase was the primary loan purpose. Based in OKLAHOMA CITY, OK. The approval rate of 68.1% 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. INTERBANK processed 404 HMDA-reported mortgage applications in 2024, originating 275 loans and denying 54 for a denial rate of 13.4% (applicants themselves withdrew 55 files before a decision). The average loan amount was $675,025 at a 8.429% average note rate, and applicants self-reported an average income of $34,000. The lender reports under LEI 549300T2PYPUFN0IWJ63 from OKLAHOMA CITY, 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. INTERBANK's 68.1% origination rate tells you how often an application turned into funded money; the 13.4% 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 (384 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.

404
Applications
275
Originated
13.4%
Denial Rate
$675,025
Avg Loan Amount
Avg Interest Rate: 8.429% Avg Applicant Income: $34,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 384 275 45 $701,432
FHA 10 0 5 $185,000
USDA 9 0 3 $160,556
VA 1 0 1 $65,000

Top loan types — INTERBANK

Top loan types — INTERBANK Horizontal bar chart of the top 4 items by value (applications). Top loan types — INTERBANK Top 4 1. Conventional 384 2. FHA 10 3. USDA 9 4. VA 1 Top 5 loan types by application volume at INTERBANK (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 INTERBANK (LEI: 549300T2PYPUFN0IWJ63) · 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
26
Credit history
26
Other
3
Unverifiable information
3
Insufficient cash
2
Collateral
1
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 269 183 $938,011
Home Improvement 43 28 $144,302
Cash-out Refinancing 39 22 $157,821
Refinancing 27 27 $207,593
Other 26 15 $93,077

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 272 62.5% 14.0%
Joint 11 45.5% 27.3%
American Indian or Alaska Native 8 12.5% 50.0%
Black or African American 5 20.0% 80.0%
Asian 3 66.7% 33.3%

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 233 60.1% 15.9%
Hispanic or Latino 40 60.0% 20.0%
Joint 15 60.0% 13.3%

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

BOKF NA

TULSA, OK

11,220 apps 5,852 originated 27.4% denied
Compare INTERBANK 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

Explore More Data

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Frequently Asked Questions

How many mortgage applications did INTERBANK process?
INTERBANK processed 404 mortgage applications in the 2023 HMDA reporting year. Of these, 275 were originated (approved and funded), 55 were withdrawn by the applicant, and 54 were denied.
What is INTERBANK's mortgage approval rate?
INTERBANK has an approval (origination) rate of 68.1%, meaning 68.1% of all applications resulted in a funded mortgage. The denial rate is 13.4%.
What is the average loan amount at INTERBANK?
The average mortgage loan amount at INTERBANK is $675,025. The average interest rate is 8.429%. The average applicant income is $34,000.
What are the most common reasons for mortgage denial at INTERBANK?
The most common reasons for mortgage denial at INTERBANK are: Debt-to-income ratio, Credit history, Other. In total, 54 applications were denied out of 404 total applications.
What types of mortgage loans does INTERBANK offer?
INTERBANK processes Conventional, FHA, USDA, VA loans. The most common type is Conventional with 384 applications and an average loan amount of $701,432.
What loan purposes does INTERBANK serve?
INTERBANK serves the following loan purposes: Home Purchase (269 applications), Home Improvement (43 applications), Cash-out Refinancing (39 applications), Refinancing (27 applications), Other (26 applications). Home Purchase is the most common purpose.
Where is INTERBANK located?
INTERBANK is headquartered in OKLAHOMA CITY, OK. The lender is identified by LEI 549300T2PYPUFN0IWJ63 in HMDA data.
How does INTERBANK compare in lending across racial demographics?
INTERBANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 62.5% and denial rate of 14.0%; Joint applicants have an approval rate of 45.5% and denial rate of 27.3%; American Indian or Alaska Native applicants have an approval rate of 12.5% and denial rate of 50.0%. 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.