21st Mortgage in Oklahoma vs the state
46.8%Denial rate+28.89 pts vs state
71.7%Decision denial rate+48.83 pts vs state
17.0%Origination rate-39.08 pts vs state
9.83%Median rate+3.20 pts vs state
4.01Rate spread (pts)+3.66 pts vs state
$68kMedian applicant income
888Loans originated
2,442Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,564 | 860 | 46.3% | 9.45% | #4 |
| 2024 | 4,508 | 906 | 45.5% | 9.95% | #5 |
| 2025 | 5,217 | 888 | 46.8% | 9.83% | #4 |
What 21st Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 468 | 64 | 273 | 58.3% |
| Cleveland County | 348 | 54 | 189 | 54.3% |
| Pottawatomie County | 196 | 26 | 94 | 48.0% |
| Tulsa County | 189 | 18 | 124 | 65.6% |
| Creek County | 181 | 40 | 82 | 45.3% |
| Bryan County | 180 | 29 | 79 | 43.9% |
| Carter County | 175 | 19 | 80 | 45.7% |
| Canadian County | 161 | 27 | 79 | 49.1% |
| Logan County | 145 | 20 | 80 | 55.2% |
| Grady County | 123 | 20 | 46 | 37.4% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
| Triad Financial Services | D | 2,559 | 51.4% | 8.85% |
Frequently asked questions
Oklahoma: 5,217 applications in 2025, of which 888 were originated and 2,442 denied.
46.8% of all applications, or 71.7% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans 21st Mortgage originated in Oklahoma in 2025 was 9.83%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology