CSL Financial in Oklahoma vs the state
55.2%Denial rate+37.23 pts vs state
85.3%Decision denial rate+62.44 pts vs state
9.5%Origination rate-46.60 pts vs state
8.12%Median rate+1.49 pts vs state
2.11Rate spread (pts)+1.77 pts vs state
$74kMedian applicant income
36Loans originated
209Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 705 | 42 | 54.5% | 9.19% | #40 |
| 2024 | 690 | 61 | 59.9% | 9.14% | #43 |
| 2025 | 379 | 36 | 55.2% | 8.12% | #75 |
What CSL Financial lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most CSL Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rogers County | 4 | 4 | 0 | 0.0% |
| Oklahoma County | 3 | 3 | 0 | 0.0% |
| Okmulgee County | 3 | 3 | 0 | 0.0% |
| Cleveland County | 2 | 2 | 0 | 0.0% |
| Love County | 2 | 2 | 0 | 0.0% |
| Osage County | 2 | 2 | 0 | 0.0% |
| Bryan County | 2 | 2 | 0 | 0.0% |
| Johnston County | 1 | 1 | 0 | 0.0% |
| Pawnee County | 1 | 1 | 0 | 0.0% |
| Choctaw 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: 379 applications in 2025, of which 36 were originated and 209 denied.
55.2% of all applications, or 85.3% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans CSL Financial originated in Oklahoma in 2025 was 8.12%, against a statewide median of 6.63%.
About this data. Figures are CSL Financial'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