BOK FinancialReviews of bokfinancial.com

★☆☆☆☆ Our mortgage experience with Bank of Oklahoma/BOK Financial has been frustrating, costly, and unnecessarily stressful. After repeated requests for clear answers about our application, we kept receiving variations of “we’re working on it.” We needed specific information about what was holding up approval, what could resolve it, and whether our closing date was realistic. Getting that information was an ongoing struggle. Our loan officer, Rob Baumgarten, ultimately told us in writing that we qualified for the mortgage but did not qualify for the down payment assistance because of our debt-to-income ratio. We chose to move forward with another lender. Then we received a denial letter listing inability to verify income and insufficient credit—reasons that did not match the explanation we had been given. That discrepancy deserves an explanation. The delays and late communication had real consequences. We arranged utilities around the scheduled closing and were left dealing with deposits for a house we had not moved into. After the closing delays, we also received an unpaid-premium notice from our homeowners insurance provider, creating another issue for us to untangle. Even after switching lenders, we are still trying to get the appraisal transfer completed so our purchase can move forward. I understand that mortgage approval involves documentation and underwriting requirements. What I cannot accept is repeatedly having to chase basic information, receiving conflicting explanations, and being left to coordinate unresolved issues while our home purchase hangs in the balance. Based on our experience, I would not recommend BOK Financial for a mortgage. We needed clear communication, timely follow-through, and consistent answers. That is not what we received.

They make it very difficult to withdraw your money from retirement investments account

I regret ever doing business with BOK

As a former employee and customer, I’ve seen BOKF from both sides and neither inspires confidence. Internally, the bank lags far behind its peers in technology and operational practices. Problems persist across systems due to a culture that prioritizes DEI optics over experienced, skilled professionals. This internal imbalance directly impacts customers, as unqualified decision-making and unresolved system failures create avoidable disruptions and frustration. I encourage anyone considering BOKF to read through the full spectrum of public reviews and form their own judgment.

Bank of Texas (not from Texas) - A Disappointing Experience I strongly advise you to SEARCH ALL REVIEWS before considering Bank of Texas for your business banking needs. My experience with them has been incredibly frustrating, and I deeply regret not researching more before opening my business account. I had been a customer for three + years, and for the most part, things went smoothly. However, everything took a turn when I found myself in a financial bind and needed a few extra days to catch up on my bank account and business line of credit. I called ahead of time and made arrangements to pay off the entire line of credit and cover my monthly banking payment, which was only two weeks after the call. When the time came to make those payments, I was shocked to find that my account was closed. Confused, I spent over an hour on the phone trying to understand what had happened, only to be told that the agreement I had made was only with the line of credit department, not the banking department. I strongly disagreed and explained I would not just make arrangements for only one of the accounts. They said that the two departments don’t communicate with each other and there was no way for them to make that agreement for the banking side. I explained, I thought I was talking to the bank not a single department. Their only resolution was that I could reapply and open a new account. NO CHANCE! This entire situation occurred because I was less than a month late on a payment of under $200. After three years of perfect payments and having been approved for a line of credit, I had my account closed for this minor delay, which was completely avoidable if their departments had actually communicated. I’ve since switched to First Financial Bank in Texas, and they have been a world of difference. They've already tripled my line of credit and have worked with me when I’ve needed extra time to get things in order. They actually listen and communicate, and I couldn’t be more satisfied. In conclusion, I would not recommend Bank of Texas to anyone, especially small business owners. Their internal communication is a disaster, and they do not seem to care about working with their customers during difficult times.

Terrible mortgage servicer. They do not allow clients to make 2 half payments in a month in order to buy down principle and pay less interest. Then, their staff talk down to their clients as though they are the dirt under their feet. They try and put the onus on the client because they don't allow the mortgage to get paid down sooner. It's a stupid strategy because some people are sitting on properties worth a lot of money. When those properties get sold, guess who is NOT going to handle that money. BOK had me on hold for half an hour then hung up on me after gaslighting me. I'll never forget what you did and what you are doing.

I quit my job with another offer, 3 months later they locked me out of my account. I called and they started arguing with me that I wasn't vested so the money was sent back to the company. Ok! What about my money I contribute? They sent my entire 401k to the company and argued with me. What I should do is file a lawsuit and report to tge SEC and labor department. Don't trust this company with your 401k.

Don't ever ever put your money there. I have had so many problems if then refusing to give me my money. They make up excuses, they shut your account down, and when you call them they don't answer, can't help it actually hang up on you. Right now they shut my account down and won't respond to me.