Figure Lending in Oklahoma vs the state
31.3%Denial rate+13.34 pts vs state
32.1%Decision denial rate+9.19 pts vs state
42.6%Origination rate-13.50 pts vs state
8.83%Median rate+2.20 pts vs state
2.48Rate spread (pts)+2.13 pts vs state
$92kMedian applicant income
308Loans originated
226Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 585 | 276 | 28.4% | 10.89% | #49 |
| 2024 | 734 | 377 | 24.9% | 10.70% | #40 |
| 2025 | 723 | 308 | 31.3% | 8.83% | #46 |
What Figure Lending lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 150 | 69 | 45 | 30.0% |
| Tulsa County | 125 | 58 | 33 | 26.4% |
| Cleveland County | 62 | 30 | 14 | 22.6% |
| Canadian County | 44 | 17 | 15 | 34.1% |
| Rogers County | 21 | 11 | 2 | 9.5% |
| Wagoner County | 20 | 10 | 6 | 30.0% |
| Kay County | 18 | 6 | 7 | 38.9% |
| Creek County | 16 | 11 | 3 | 18.8% |
| Grady County | 15 | 4 | 7 | 46.7% |
| Cherokee County | 14 | 8 | 3 | 21.4% |
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: 723 applications in 2025, of which 308 were originated and 226 denied.
31.3% of all applications, or 32.1% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Figure Lending originated in Oklahoma in 2025 was 8.83%, against a statewide median of 6.63%.
About this data. Figures are Figure Lending'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