Purchase Originations
140
Median Total Costs
$6,317
−5.4% vs national ($6,680)
↓ $352 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,145
Median Lender Credits
$4
Denial Rate
4.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 73 | 6.125% | $7,265 | $2,274 |
| conventional | 46 | 6.250% | $4,193 | $1,660 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,503 | 5.990% | — | 23 | −$3,814 | |
| 2 | $4,010 | 6.750% | — | 3 | −$2,307 | |
| 3 | $5,623 | 5.750% | — | 1 | −$694 | |
| 4 | $6,034 | 6.875% | — | 2 | −$283 | |
| 5 | $6,035 | 6.125% | — | 8 | −$282 | |
| 6 | $6,376 | 6.125% | — | 76 | +$59 | |
| 7 | $6,670 | 6.312% | — | 10 | +$353 | |
| 8 | $7,098 | 6.375% | — | 1 | +$781 | |
| 9 | $7,132 | 6.125% | — | 6 | +$815 | |
| 10 | $7,170 | 6.375% | — | 1 | +$853 | |
| 11 | $7,876 | 5.990% | — | 1 | +$1,559 | |
| 12 | $8,737 | 5.990% | — | 3 | +$2,420 | |
| 13 | $9,368 | 6.125% | — | 3 | +$3,051 | |
| 14 | $11,178 | 6.125% | — | 1 | +$4,861 | |
| 15 | $12,023 | 6.125% | — | 1 | +$5,706 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | American Bank of Oklahoma | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $180,000 | $335,000 | −$155,000 (−46.3%) |
| Median total closing costs | $6,317 | $7,127 | −$810 (−11.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.