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Sooner State Bank

Oklahoma City, OK

Sooner State Bank processed 123 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 116 loans with a 2.4% denial rate. Home Purchase was the primary loan purpose. Based in Oklahoma City, OK. The approval rate of 94.3% reflects originated loans as a share of all applications.

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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Sooner State Bank's 94.3% origination rate tells you how often an application turned into funded money; the 2.4% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (123 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.

123
Applications
116
Originated
2.4%
Denial Rate
$238,740
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 123 116 3 $238,740

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Sooner State Bank (LEI: 549300K3182R4M8RRD37) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 77 74 $202,273
Refinancing 37 36 $350,135
Home Improvement 7 5 $113,571
Other 2 1 $20,000

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White * 25 80.0% 4.0%
Black or African American * 6 83.3% 16.7%
Asian * 4 100.0% 0.0%
American Indian or Alaska Native * 1 0.0% 100.0%
Joint * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

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 * 37 81.1% 8.1%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

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 Sooner State Bank vs Arvest Bank →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Sooner State Bank process?
Sooner State Bank processed 123 mortgage applications in the 2024 HMDA reporting year. Of these, 116 were originated (approved and funded), 1 were withdrawn by the applicant, and 3 were denied.
What is Sooner State Bank's mortgage approval rate?
Sooner State Bank has an approval (origination) rate of 94.3%, meaning 94.3% of all applications resulted in a funded mortgage. The denial rate is 2.4%.
What is the average loan amount at Sooner State Bank?
The average mortgage loan amount at Sooner State Bank is $238,740.
What types of mortgage loans does Sooner State Bank offer?
Sooner State Bank processes Conventional loans. The most common type is Conventional with 123 applications and an average loan amount of $238,740.
What loan purposes does Sooner State Bank serve?
Sooner State Bank serves the following loan purposes: Home Purchase (77 applications), Refinancing (37 applications), Home Improvement (7 applications), Other (2 applications). Home Purchase is the most common purpose.
Where is Sooner State Bank located?
Sooner State Bank is headquartered in Oklahoma City, OK. The lender is identified by LEI 549300K3182R4M8RRD37 in HMDA data.
How does Sooner State Bank compare in lending across racial demographics?
Sooner State Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 80.0% and denial rate of 4.0%; Black or African American applicants have an approval rate of 83.3% and denial rate of 16.7%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%. 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.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.