Flagstar Bank in Oklahoma vs the state
28.3%Denial rate+10.38 pts vs state
40.5%Decision denial rate+17.67 pts vs state
39.6%Origination rate-16.48 pts vs state
6.36%Median rate-0.26 pts vs state
0.14Rate spread (pts)-0.21 pts vs state
$104kMedian applicant income
21Loans originated
15Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 414 | 224 | 26.3% | 7.13% | #67 |
| 2024 | 285 | 155 | 20.4% | 6.78% | #94 |
| 2025 | 53 | 21 | 28.3% | 6.36% | #252 |
What Flagstar Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Flagstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 19 | 7 | 5 | 26.3% |
| Tulsa County | 6 | 3 | 1 | 16.7% |
| Canadian County | 5 | 1 | 4 | 80.0% |
| Cleveland County | 4 | 2 | 1 | 25.0% |
| Logan County | 3 | 2 | 1 | 33.3% |
| Creek County | 3 | 2 | 0 | 0.0% |
| McCurtain County | 2 | 0 | 1 | 50.0% |
| McClain County | 2 | 2 | 0 | 0.0% |
| Choctaw County | 1 | 0 | 1 | 100.0% |
| 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: 53 applications in 2025, of which 21 were originated and 15 denied.
28.3% of all applications, or 40.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Flagstar Bank originated in Oklahoma in 2025 was 6.36%, against a statewide median of 6.63%.
About this data. Figures are Flagstar Bank'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