Sooner State Bank mortgage approval rate & lending review
Sooner State Bank decided 323 mortgage applications and funded 316 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Sooner State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Sooner State Bank at a glance
Approval is 17.7 points above the 82.0% 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% | 182 / 182 | 98% | $125K | 179 |
| Investment refinance | 100% | 100 / 100 | 100% | $115K | 100 |
Sooner State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma | 100% | $125K | 323 | 316 |
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 Sooner State Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Investment property purchase | 100% | 150 | 148 |
| Oklahoma County, OK | Investment refinance | 100% | 85 | 85 |
| Cleveland County, OK | Investment property purchase | 100% | 24 | 24 |
The county markets where Sooner State Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Sooner State Bank
What is Sooner State Bank's mortgage approval rate?
Sooner State Bank approved 99.7% of the 323 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.7 points above the 82.0% national rate for the same mix of loan types.
How often do borrowers take the loan Sooner State Bank offers?
Borrowers accepted 98% of the loans Sooner State Bank 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 Sooner State Bank make?
The typical investment property mortgage loan Sooner State Bank made was $125K; across all loan types its typical loan ran from $115K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Sooner State Bank lend?
Sooner State Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Oklahoma.
Can I apply to Sooner State Bank directly?
Yes. Sooner State Bank is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Sooner State 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 Sooner State Bank treats applications, then get a rate quote from the lender.