BOKF, National Association mortgage approval rate & lending review
BOKF, National Association decided 16,521 mortgage applications and funded 11,587 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions BOKF, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
BOKF, National Association at a glance
Approval is 3.9 points below the 76.4% national rate for the same mix of loan types.
Approval rates 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 |
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 BOKF, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tulsa County, OK | Mortgage lenders | 92% | 1,546 | 1,391 |
| Bernalillo County, NM | Mortgage lenders | 91% | 993 | 888 |
| Tulsa County, OK | Home improvement loans | 63% | 1,014 | 605 |
| Oklahoma County, OK | Mortgage lenders | 88% | 474 | 409 |
| Oklahoma County, OK | Home improvement loans | 57% | 609 | 327 |
| Sandoval County, NM | Mortgage lenders | 96% | 343 | 324 |
| Tulsa County, OK | Refinance | 79% | 346 | 258 |
| Cleveland County, OK | Mortgage lenders | 93% | 244 | 223 |
| Bernalillo County, NM | Home improvement loans | 55% | 398 | 202 |
| Arapahoe County, CO | Mortgage lenders | 91% | 173 | 156 |
| Santa Fe County, NM | Mortgage lenders | 93% | 166 | 151 |
| Oklahoma County, OK | Refinance | 75% | 205 | 150 |
The county markets where BOKF, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about BOKF, National Association
What is BOKF, National Association's mortgage approval rate?
BOKF, National Association approved 72.5% of the 16,521 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.9 points below the 76.4% national rate for the same mix of loan types.
How often do borrowers take the loan BOKF, National Association offers?
Borrowers accepted 97% of the loans BOKF, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does BOKF, National Association make?
The typical home purchase mortgage loan BOKF, National Association made was $315K; across all loan types its typical loan ran from $55K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does BOKF, National Association lend?
BOKF, National Association decided applications in 48 of the states Fat Boy Data covers, most of them in Oklahoma, Texas and New Mexico.
Can I apply to BOKF, National Association directly?
Yes. BOKF, National Association is a bank or credit union with 114 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show BOKF, National Association'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 BOKF, National Association treats applications, then get a rate quote from the lender.