Flat Branch Mortgage in Oklahoma vs the state
1.3%Denial rate-16.62 pts vs state
1.6%Decision denial rate-21.23 pts vs state
77.3%Origination rate+21.22 pts vs state
6.49%Median rate-0.13 pts vs state
0.36Rate spread (pts)+0.01 pts vs state
$81kMedian applicant income
1,425Loans originated
24Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,566 | 1,192 | 1.9% | 6.75% | #17 |
| 2024 | 1,644 | 1,280 | 1.5% | 6.63% | #16 |
| 2025 | 1,843 | 1,425 | 1.3% | 6.49% | #16 |
What Flat Branch Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Flat Branch Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 706 | 541 | 10 | 1.4% |
| Kay County | 144 | 123 | 0 | 0.0% |
| Wagoner County | 141 | 114 | 1 | 0.7% |
| Rogers County | 112 | 86 | 2 | 1.8% |
| Osage County | 66 | 55 | 0 | 0.0% |
| Creek County | 66 | 51 | 1 | 1.5% |
| Oklahoma County | 58 | 47 | 0 | 0.0% |
| Okmulgee County | 58 | 41 | 0 | 0.0% |
| Washington County | 56 | 46 | 1 | 1.8% |
| Ottawa County | 47 | 34 | 1 | 2.1% |
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: 1,843 applications in 2025, of which 1,425 were originated and 24 denied.
1.3% of all applications, or 1.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Flat Branch Mortgage originated in Oklahoma in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Flat Branch 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