RCB Bank
RCB Bank received 835 applications in 2025 and made 612 mortgages, in 49 counties across 7 states. The median rate its borrowers got was 6.410% on a median loan of $175,000. Of 692 decisions, 67 were denials — 9.7%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549007W5PWUV8XG3V90 |
|---|---|
| Applications received | 835 |
| Mortgages made | 612 |
| Denied | 67 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 143 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.061 points |
| FDIC-insured bank | Yes: RCB Bank, 62 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 381 | 6.500% | $215,000 | 6.3% |
| Refinancing | 68 | 6.815% | $135,000 | 12.7% |
| Cash-out refinancing | 76 | 5.921% | $140,000 | 19.0% |
| Other purposes | 87 | 7.020% | $75,000 | 12.5% |
Where RCB Bank lends most
The 49 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Tulsa County, OK | 115 | 6.375% | 4.8% |
| Rogers County, OK | 80 | 6.625% | 9.7% |
| Kay County, OK | 64 | 6.183% | 16.9% |
| Cowley County, KS | 43 | 6.375% | 15.7% |
| Payne County, OK | 42 | 6.688% | 10.6% |
| Mayes County, OK | 38 | 6.170% | 11.4% |
| Sedgwick County, KS | 31 | 7.000% | 6.1% |
| Oklahoma County, OK | 27 | 6.750% | 6.7% |
| Osage County, OK | 25 | 6.625% | 19.4% |
| Reno County, KS | 20 | 7.020% | 4.8% |
| Craig County, OK | 16 | 6.280% | 5.9% |
| Wagoner County, OK | 15 | 6.125% | 6.3% |
| Washington County, OK | 15 | 6.610% | 20.0% |
| Canadian County, OK | 11 | 6.850% | 0.0% |
| Delaware County, OK | 8 | Under 10 loans | 0.0% |
| Sumner County, KS | 7 | Under 10 loans | 12.5% |
| Douglas County, KS | 5 | Under 10 loans | 16.7% |
| Ottawa County, OK | 5 | Under 10 loans | 0.0% |
| Cleveland County, OK | 4 | Under 10 loans | 0.0% |
| Creek County, OK | 4 | Under 10 loans | 0.0% |
| Pawnee County, OK | 4 | Under 10 loans | 0.0% |
| Johnson County, KS | 3 | Under 10 loans | 0.0% |
| Lincoln County, OK | 3 | Under 10 loans | 0.0% |
| Baldwin County, AL | 2 | Under 10 loans | 0.0% |
| Butler County, KS | 2 | Under 10 loans | 0.0% |
| Nowata County, OK | 2 | Under 10 loans | 0.0% |
| Sequoyah County, OK | 2 | Under 10 loans | 0.0% |
| Denton County, TX | 2 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Crawford County, KS | 1 | Under 10 loans | 0.0% |
| Harvey County, KS | 1 | Under 10 loans | 0.0% |
| Jefferson County, KS | 1 | Under 10 loans | 0.0% |
| Kingman County, KS | 1 | Under 10 loans | 0.0% |
| Lincoln County, KS | 1 | Under 10 loans | 0.0% |
| Montgomery County, KS | 1 | Under 10 loans | 0.0% |
| Jasper County, MO | 1 | Under 10 loans | 0.0% |
| Caddo County, OK | 1 | Under 10 loans | 0.0% |
| Garfield County, OK | 1 | Under 10 loans | 0.0% |
| Grant County, OK | 1 | Under 10 loans | 0.0% |
| Kingfisher County, OK | 1 | Under 10 loans | 0.0% |
| Logan County, OK | 1 | Under 10 loans | 0.0% |
| McClain County, OK | 1 | Under 10 loans | 0.0% |
| Okfuskee County, OK | 1 | Under 10 loans | 0.0% |
| Okmulgee County, OK | 1 | Under 10 loans | 50.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 0 | Under 10 loans | 100.0% |
| Rice County, KS | 0 | Under 10 loans | Not published |
| Le Flore County, OK | 0 | Under 10 loans | Not published |
| Noble County, OK | 0 | Under 10 loans | Not published |
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When RCB 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.