Sovereign Bank
Sovereign Bank received 538 applications in 2025 and made 485 mortgages, in 54 counties across 14 states. The median rate its borrowers got was 6.990% on a median loan of $205,000. Of 522 decisions, 10 were denials — 1.9%, most often for credit history.
| Legal Entity Identifier | 549300CKJ4DTUYAZXI11 |
|---|---|
| Applications received | 538 |
| Mortgages made | 485 |
| Denied | 10 |
| Approved, not taken up | 27 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2785 points |
| FDIC-insured bank | Yes: Sovereign Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 339 | 6.750% | $225,000 | 1.6% |
| Refinancing | 107 | 7.500% | $195,000 | 1.8% |
| Cash-out refinancing | 21 | 6.750% | $155,000 | 7.7% |
| Other purposes | 18 | 7.750% | $75,000 | 0.0% |
Where Sovereign Bank lends most
The 50 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 | 156 | 7.000% | 2.9% |
| Comanche County, OK | 65 | 7.500% | 1.5% |
| Canadian County, OK | 62 | 6.750% | 0.0% |
| Cleveland County, OK | 46 | 6.813% | 4.2% |
| Pottawatomie County, OK | 42 | 7.500% | 2.2% |
| Logan County, OK | 14 | 6.750% | 0.0% |
| McClain County, OK | 13 | 6.250% | 0.0% |
| Grady County, OK | 10 | 6.625% | 0.0% |
| Greer County, OK | 8 | Under 10 loans | 0.0% |
| Jackson County, OK | 7 | Under 10 loans | 0.0% |
| Tulsa County, OK | 6 | Under 10 loans | 0.0% |
| Seminole County, OK | 5 | Under 10 loans | 0.0% |
| Payne County, OK | 4 | Under 10 loans | 0.0% |
| Ottawa County, OK | 3 | Under 10 loans | 0.0% |
| Stephens County, OK | 3 | Under 10 loans | 0.0% |
| Beckham County, OK | 2 | Under 10 loans | 0.0% |
| Hughes County, OK | 2 | Under 10 loans | 0.0% |
| Kingfisher County, OK | 2 | Under 10 loans | 0.0% |
| McIntosh County, OK | 2 | Under 10 loans | 0.0% |
| Pontotoc County, OK | 2 | Under 10 loans | 0.0% |
| Pushmataha County, OK | 2 | Under 10 loans | 0.0% |
| Rusk County, TX | 2 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Elkhart County, IN | 1 | Under 10 loans | 0.0% |
| Woodbury County, IA | 1 | Under 10 loans | 0.0% |
| Shawnee County, KS | 1 | Under 10 loans | 0.0% |
| Androscoggin County, ME | 1 | Under 10 loans | 0.0% |
| Huron County, MI | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Madison County, MT | 1 | Under 10 loans | 0.0% |
| Atoka County, OK | 1 | Under 10 loans | 0.0% |
| Bryan County, OK | 1 | Under 10 loans | 0.0% |
| Caddo County, OK | 1 | Under 10 loans | 0.0% |
| Cherokee County, OK | 1 | Under 10 loans | 0.0% |
| Harmon County, OK | 1 | Under 10 loans | 0.0% |
| Kay County, OK | 1 | Under 10 loans | 0.0% |
| Lincoln County, OK | 1 | Under 10 loans | 0.0% |
| Marshall County, OK | 1 | Under 10 loans | 0.0% |
| Okmulgee County, OK | 1 | Under 10 loans | 0.0% |
| Tillman County, OK | 1 | Under 10 loans | 0.0% |
| Washita County, OK | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Johnson County, TX | 1 | Under 10 loans | 0.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
| Duchesne County, UT | 1 | Under 10 loans | 0.0% |
| Kenai Peninsula Borough, AK | 0 | Under 10 loans | 0.0% |
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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.