Commerce Home Mortgage in Oklahoma vs the state
8.5%Denial rate-9.43 pts vs state
11.7%Decision denial rate-11.18 pts vs state
63.2%Origination rate+7.11 pts vs state
7.25%Median rate+0.63 pts vs state
1.04Rate spread (pts)+0.69 pts vs state
$116kMedian applicant income
67Loans originated
9Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 9 | 23.1% | 8.88% | #289 |
| 2024 | 23 | 11 | 13.0% | 7.88% | #302 |
| 2025 | 106 | 67 | 8.5% | 7.25% | #177 |
What Commerce Home Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 30 | 20 | 4 | 13.3% |
| Tulsa County | 28 | 20 | 0 | 0.0% |
| Canadian County | 11 | 7 | 1 | 9.1% |
| Cleveland County | 10 | 7 | 1 | 10.0% |
| Pottawatomie County | 4 | 1 | 1 | 25.0% |
| Comanche County | 4 | 2 | 0 | 0.0% |
| Wagoner County | 4 | 1 | 1 | 25.0% |
| McCurtain County | 4 | 3 | 1 | 25.0% |
| Stephens County | 2 | 1 | 0 | 0.0% |
| Le Flore County | 1 | 0 | 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: 106 applications in 2025, of which 67 were originated and 9 denied.
8.5% of all applications, or 11.7% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Commerce Home Mortgage originated in Oklahoma in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Commerce Home 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