American Heritage Lending in Oklahoma vs the state
3.4%Denial rate-14.53 pts vs state
4.9%Decision denial rate-17.99 pts vs state
54.2%Origination rate-1.86 pts vs state
7.63%Median rate+1.00 pts vs state
1.05Rate spread (pts)+0.70 pts vs state
$173kMedian applicant income
64Loans originated
4Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 20 | 2.4% | 9.19% | #239 |
| 2024 | 46 | 25 | 10.9% | 8.00% | #240 |
| 2025 | 118 | 64 | 3.4% | 7.63% | #164 |
What American Heritage Lending lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 34 | 25 | 2 | 5.9% |
| Oklahoma County | 29 | 15 | 0 | 0.0% |
| Comanche County | 21 | 16 | 0 | 0.0% |
| Wagoner County | 16 | 0 | 0 | 0.0% |
| Cleveland County | 5 | 3 | 0 | 0.0% |
| McCurtain County | 2 | 1 | 0 | 0.0% |
| Creek County | 2 | 0 | 0 | 0.0% |
| Jefferson County | 2 | 0 | 2 | 100.0% |
| Stephens County | 2 | 2 | 0 | 0.0% |
| Carter County | 2 | 1 | 0 | 0.0% |
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: 118 applications in 2025, of which 64 were originated and 4 denied.
3.4% of all applications, or 4.9% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans American Heritage Lending originated in Oklahoma in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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