Churchill Mortgage in Oklahoma vs the state
3.6%Denial rate-14.28 pts vs state
4.3%Decision denial rate-18.61 pts vs state
69.1%Origination rate+12.99 pts vs state
6.56%Median rate-0.06 pts vs state
0.45Rate spread (pts)+0.11 pts vs state
$94kMedian applicant income
76Loans originated
4Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 115 | 79 | 1.7% | 6.88% | #151 |
| 2024 | 78 | 51 | 7.7% | 6.63% | #196 |
| 2025 | 110 | 76 | 3.6% | 6.56% | #175 |
What Churchill Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 29 | 19 | 1 | 3.4% |
| Tulsa County | 18 | 13 | 0 | 0.0% |
| Wagoner County | 7 | 6 | 0 | 0.0% |
| Muskogee County | 6 | 3 | 1 | 16.7% |
| Logan County | 5 | 4 | 0 | 0.0% |
| Canadian County | 4 | 2 | 0 | 0.0% |
| Creek County | 4 | 4 | 0 | 0.0% |
| Cleveland County | 3 | 3 | 0 | 0.0% |
| Pottawatomie County | 2 | 2 | 0 | 0.0% |
| Grady County | 2 | 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: 110 applications in 2025, of which 76 were originated and 4 denied.
3.6% of all applications, or 4.3% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Churchill Mortgage originated in Oklahoma in 2025 was 6.56%, against a statewide median of 6.63%.
About this data. Figures are Churchill 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