Consumer Real Estate Finance in Oklahoma vs the state
41.8%Denial rate+23.90 pts vs state
46.0%Decision denial rate+23.13 pts vs state
49.1%Origination rate-7.01 pts vs state
7.00%Median rate+0.38 pts vs state
1.07Rate spread (pts)+0.72 pts vs state
$65kMedian applicant income
27Loans originated
23Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 19 | 6 | 31.6% | 7.06% | #325 |
| 2025 | 55 | 27 | 41.8% | 7.00% | #244 |
What Consumer Real Estate Finance lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 7 | 5 | 1 | 14.3% |
| Garfield County | 4 | 1 | 3 | 75.0% |
| Le Flore County | 3 | 1 | 2 | 66.7% |
| Caddo County | 3 | 0 | 3 | 100.0% |
| Grady County | 3 | 2 | 1 | 33.3% |
| Carter County | 3 | 1 | 2 | 66.7% |
| Seminole County | 3 | 2 | 1 | 33.3% |
| Pawnee County | 2 | 0 | 1 | 50.0% |
| Washita County | 2 | 1 | 1 | 50.0% |
| Okmulgee County | 2 | 1 | 1 | 50.0% |
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: 55 applications in 2025, of which 27 were originated and 23 denied.
41.8% of all applications, or 46.0% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Consumer Real Estate Finance originated in Oklahoma in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Consumer Real Estate Finance'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