Bay Equity in Oklahoma vs the state
3.6%Denial rate-14.35 pts vs state
4.8%Decision denial rate-18.11 pts vs state
71.4%Origination rate+15.33 pts vs state
6.63%Median rate0.00 pts vs state
0.27Rate spread (pts)-0.08 pts vs state
$120kMedian applicant income
20Loans originated
1Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 35 | 6.9% | 6.99% | #212 |
| 2024 | 68 | 40 | 7.4% | 6.63% | #213 |
| 2025 | 28 | 20 | 3.6% | 6.63% | #310 |
What Bay Equity lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Bay Equity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 14 | 11 | 0 | 0.0% |
| Cleveland County | 5 | 3 | 0 | 0.0% |
| Tulsa County | 4 | 3 | 1 | 25.0% |
| Logan County | 3 | 2 | 0 | 0.0% |
| Canadian County | 1 | 0 | 0 | 0.0% |
| McClain County | 1 | 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: 28 applications in 2025, of which 20 were originated and 1 denied.
3.6% of all applications, or 4.8% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Bay Equity originated in Oklahoma in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Bay Equity'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