American Pacific Mortgage in Oklahoma vs the state
10.9%Denial rate-7.00 pts vs state
14.6%Decision denial rate-8.25 pts vs state
63.2%Origination rate+7.12 pts vs state
6.75%Median rate+0.13 pts vs state
0.53Rate spread (pts)+0.18 pts vs state
$110kMedian applicant income
110Loans originated
19Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 137 | 92 | 3.7% | 6.75% | #134 |
| 2024 | 60 | 44 | 6.7% | 6.81% | #226 |
| 2025 | 174 | 110 | 10.9% | 6.75% | #139 |
What American Pacific Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 39 | 22 | 4 | 10.3% |
| Oklahoma County | 31 | 19 | 4 | 12.9% |
| Creek County | 16 | 12 | 1 | 6.3% |
| Cleveland County | 13 | 11 | 1 | 7.7% |
| Logan County | 11 | 7 | 2 | 18.2% |
| Canadian County | 9 | 6 | 0 | 0.0% |
| Pottawatomie County | 6 | 5 | 1 | 16.7% |
| Payne County | 6 | 4 | 1 | 16.7% |
| Wagoner County | 5 | 2 | 0 | 0.0% |
| Grady County | 4 | 2 | 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: 174 applications in 2025, of which 110 were originated and 19 denied.
10.9% of all applications, or 14.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans American Pacific Mortgage originated in Oklahoma in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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