Guaranteed Rate in Oklahoma vs the state
8.1%Denial rate-9.85 pts vs state
15.1%Decision denial rate-7.79 pts vs state
44.3%Origination rate-11.77 pts vs state
6.53%Median rate-0.10 pts vs state
0.23Rate spread (pts)-0.11 pts vs state
$95kMedian applicant income
313Loans originated
57Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 961 | 526 | 4.8% | 6.63% | #27 |
| 2024 | 685 | 439 | 6.6% | 6.65% | #44 |
| 2025 | 706 | 313 | 8.1% | 6.53% | #48 |
What Guaranteed Rate lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 106 | 44 | 12 | 11.3% |
| Tulsa County | 102 | 32 | 5 | 4.9% |
| Comanche County | 50 | 27 | 1 | 2.0% |
| Grady County | 50 | 30 | 2 | 4.0% |
| Cleveland County | 48 | 12 | 9 | 18.8% |
| Stephens County | 40 | 26 | 0 | 0.0% |
| Canadian County | 37 | 17 | 2 | 5.4% |
| McClain County | 29 | 17 | 1 | 3.4% |
| Custer County | 26 | 18 | 1 | 3.8% |
| Logan County | 22 | 12 | 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: 706 applications in 2025, of which 313 were originated and 57 denied.
8.1% of all applications, or 15.1% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Guaranteed Rate originated in Oklahoma in 2025 was 6.53%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate'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