Bank 7 mortgage approval rate & lending review
Bank 7 decided 345 mortgage applications and funded 334 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bank 7 reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bank 7 at a glance
Approval is 11.9 points above the 85.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Investment property purchase | 100% | 266 / 266 | 100% | $145K | 265 |
| Investment refinance | 98% | 64 / 65 | 100% | $225K | 64 |
Bank 7 lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bank 7 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Investment property purchase | 100% | 189 | 188 |
| Oklahoma County, OK | Investment refinance | 98% | 42 | 41 |
| Canadian County, OK | Investment property purchase | 100% | 33 | 33 |
The county markets where Bank 7 made the most loans. Each link opens that market with every lender ranked.
Questions about Bank 7
What is Bank 7's mortgage approval rate?
Bank 7 approved 97.1% of the 345 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.9 points above the 85.2% national rate for the same mix of loan types.
How often do borrowers take the loan Bank 7 offers?
Borrowers accepted 100% of the loans Bank 7 approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bank 7 make?
The typical investment property mortgage loan Bank 7 made was $145K; across all loan types its typical loan ran from $145K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bank 7 lend?
Bank 7 decided applications in 7 of the states Fat Boy Data covers, most of them in Oklahoma, Texas and Arizona.
Can I apply to Bank 7 directly?
Yes. Bank 7 is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bank 7's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bank 7 treats applications, then get a rate quote from the lender.