Lender profile · HMDA 2023–2025
BOKF, National Association mortgage approval rates & lending data
BOKF, National Association decided 16,521 mortgage applications and funded 11,587 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 6,427 / 7,138 | 98% | $315K | 6,307 |
| Home improvement loans | 52% | 2,898 / 5,581 | 94% | $55K | 2,721 |
| Cash-out refinance | 66% | 490 / 741 | 97% | $195K | 476 |
| Refinance | 73% | 1,442 / 1,986 | 95% | $95K | 1,376 |
| Investment property purchase | 85% | 603 / 706 | 98% | $225K | 591 |
| Investment cash-out refinance | 61% | 51 / 83 | 98% | $205K | 50 |
| Investment refinance | 63% | 53 / 84 | 98% | $295K | 52 |
| Investment home improvement | 7% | 14 / 202 | 100% | $55K | 14 |
BOKF, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 76% | $245K | 5,567 | 4,115 |
| Texas | 59% | $255K | 4,178 | 2,333 |
| New Mexico | 81% | $315K | 2,622 | 2,048 |
| Colorado | 78% | $375K | 1,624 | 1,236 |
| Arizona | 70% | $375K | 715 | 494 |
| Kansas | 77% | $215K | 607 | 456 |
| Arkansas | 77% | $175K | 506 | 382 |
| Missouri | 68% | $215K | 397 | 259 |
| Florida | 90% | $405K | 63 | 54 |
| North Carolina | 88% | $395K | 25 | 22 |
| California | 90% | $735K | 21 | 19 |
| Ohio | 84% | $325K | 19 | 16 |
| Tennessee | 71% | $475K | 17 | 12 |
| Illinois | 100% | $295K | 12 | 12 |
| Louisiana | 73% | $145K | 11 | 8 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.