Prism Bank
Prism Bank received 60 applications in 2025 and made 46 mortgages, in 19 counties across 9 states. The median rate its borrowers got was 7.000% on a median loan of $230,000. Of 56 decisions, 6 were denials — 10.7%, most often for credit history.
| Legal Entity Identifier | 549300L7IR85QJ3SOP77 |
|---|---|
| Applications received | 60 |
| Mortgages made | 46 |
| Denied | 6 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.054 points |
| FDIC-insured bank | Yes: Prism Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 19 | 6.893% | $235,000 | 20.0% |
| Refinancing | 17 | 7.234% | $275,000 | 0.0% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 25.0% |
Where Prism Bank lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oklahoma County, OK | 20 | 6.937% | 12.5% |
| Logan County, OK | 6 | Under 10 loans | 27.3% |
| Canadian County, OK | 3 | Under 10 loans | 0.0% |
| Cleveland County, OK | 3 | Under 10 loans | 0.0% |
| McClain County, OK | 2 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 1 | Under 10 loans | 0.0% |
| Clay County, MO | 1 | Under 10 loans | 0.0% |
| Monmouth County, NJ | 1 | Under 10 loans | 0.0% |
| Saratoga County, NY | 1 | Under 10 loans | 0.0% |
| Montgomery County, OH | 1 | Under 10 loans | 0.0% |
| Comanche County, OK | 1 | Under 10 loans | 0.0% |
| Marshall County, OK | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Montague County, TX | 1 | Under 10 loans | 0.0% |
| Travis County, TX | 1 | Under 10 loans | 0.0% |
| Washington County, UT | 1 | Under 10 loans | 0.0% |
| Grady County, OK | 0 | Under 10 loans | 0.0% |
| Seminole County, OK | 0 | Under 10 loans | Not published |
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When Prism Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.