Financial Concepts Mortgage in Oklahoma vs the state
1.4%Denial rate-16.56 pts vs state
1.5%Decision denial rate-21.41 pts vs state
91.7%Origination rate+35.59 pts vs state
6.50%Median rate-0.13 pts vs state
0.08Rate spread (pts)-0.27 pts vs state
$94kMedian applicant income
541Loans originated
8Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 678 | 607 | 1.9% | 6.63% | #42 |
| 2024 | 497 | 449 | 0.8% | 6.63% | #59 |
| 2025 | 590 | 541 | 1.4% | 6.50% | #56 |
What Financial Concepts Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Financial Concepts Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 225 | 197 | 6 | 2.7% |
| Cleveland County | 93 | 85 | 0 | 0.0% |
| Garfield County | 66 | 65 | 0 | 0.0% |
| Canadian County | 54 | 52 | 0 | 0.0% |
| Logan County | 19 | 18 | 0 | 0.0% |
| Pottawatomie County | 15 | 14 | 0 | 0.0% |
| Grady County | 11 | 11 | 0 | 0.0% |
| Comanche County | 11 | 11 | 0 | 0.0% |
| Lincoln County | 10 | 9 | 0 | 0.0% |
| McClain County | 9 | 9 | 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: 590 applications in 2025, of which 541 were originated and 8 denied.
1.4% of all applications, or 1.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Financial Concepts Mortgage originated in Oklahoma in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Financial Concepts 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