American Financing in Oklahoma vs the state
54.1%Denial rate+36.15 pts vs state
66.4%Decision denial rate+43.56 pts vs state
19.8%Origination rate-36.33 pts vs state
6.19%Median rate-0.44 pts vs state
0.16Rate spread (pts)-0.18 pts vs state
$82kMedian applicant income
68Loans originated
186Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 40 | 29.6% | 6.50% | #137 |
| 2024 | 250 | 51 | 52.4% | 6.25% | #100 |
| 2025 | 344 | 68 | 54.1% | 6.19% | #83 |
What American Financing lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 47 | 6 | 29 | 61.7% |
| Oklahoma County | 45 | 10 | 26 | 57.8% |
| Cleveland County | 25 | 8 | 10 | 40.0% |
| Canadian County | 24 | 3 | 17 | 70.8% |
| Creek County | 13 | 2 | 6 | 46.2% |
| Logan County | 12 | 1 | 4 | 33.3% |
| Pottawatomie County | 10 | 0 | 5 | 50.0% |
| Wagoner County | 9 | 4 | 2 | 22.2% |
| Grady County | 7 | 1 | 3 | 42.9% |
| Rogers County | 7 | 2 | 4 | 57.1% |
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% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| 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% |
Frequently asked questions
Oklahoma: 344 applications in 2025, of which 68 were originated and 186 denied.
54.1% of all applications, or 66.4% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans American Financing originated in Oklahoma in 2025 was 6.19%, against a statewide median of 6.63%.
About this data. Figures are American Financing'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