McClain Bank mortgage approval rate & lending review
McClain Bank decided 256 mortgage applications and funded 230 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions McClain Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
McClain Bank at a glance
Approval is 10.8 points above the 80.6% 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% | 70 / 78 | 97% | $235K | 68 |
| Investment property purchase | 92% | 23 / 25 | 91% | $125K | 21 |
| Investment refinance | 98% | 122 / 124 | 100% | $125K | 122 |
McClain Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 91% | $125K | 256 | 230 |
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 McClain Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Investment refinance | 99% | 92 | 91 |
| Cleveland County, OK | Mortgage lenders | 89% | 71 | 61 |
| Cleveland County, OK | Investment refinance | 100% | 30 | 30 |
The county markets where McClain Bank made the most loans. Each link opens that market with every lender ranked.
Questions about McClain Bank
What is McClain Bank's mortgage approval rate?
McClain Bank approved 91.4% of the 256 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.8 points above the 80.6% national rate for the same mix of loan types.
How often do borrowers take the loan McClain Bank offers?
Borrowers accepted 98% of the loans McClain Bank approved, against 92% for all investment property refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does McClain Bank make?
The typical investment property refinance loan McClain Bank made was $125K; across all loan types its typical loan ran from $125K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does McClain Bank lend?
McClain Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Oklahoma.
Can I apply to McClain Bank directly?
Yes. McClain Bank is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show McClain Bank'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 McClain Bank treats applications, then get a rate quote from the lender.