Freedom Mortgage in Oklahoma vs the state
10.6%Denial rate-7.33 pts vs state
17.7%Decision denial rate-5.13 pts vs state
40.2%Origination rate-15.91 pts vs state
6.25%Median rate-0.38 pts vs state
0.08Rate spread (pts)-0.27 pts vs state
$92kMedian applicant income
846Loans originated
223Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 705 | 288 | 17.7% | 6.75% | #38 |
| 2024 | 1,577 | 617 | 11.9% | 6.25% | #18 |
| 2025 | 2,105 | 846 | 10.6% | 6.25% | #14 |
What Freedom Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 386 | 150 | 30 | 7.8% |
| Tulsa County | 257 | 94 | 28 | 10.9% |
| Canadian County | 185 | 83 | 17 | 9.2% |
| Cleveland County | 173 | 73 | 19 | 11.0% |
| Comanche County | 133 | 51 | 10 | 7.5% |
| Wagoner County | 74 | 28 | 7 | 9.5% |
| Rogers County | 63 | 29 | 10 | 15.9% |
| Logan County | 44 | 14 | 4 | 9.1% |
| Grady County | 43 | 18 | 4 | 9.3% |
| Pottawatomie County | 43 | 15 | 6 | 14.0% |
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: 2,105 applications in 2025, of which 846 were originated and 223 denied.
10.6% of all applications, or 17.7% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Freedom Mortgage originated in Oklahoma in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Freedom 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