Hometown Equity Mortgage in Oklahoma vs the state
23.3%Denial rate+5.38 pts vs state
24.0%Decision denial rate+1.13 pts vs state
70.9%Origination rate+14.77 pts vs state
7.50%Median rate+0.88 pts vs state
1.12Rate spread (pts)+0.77 pts vs state
$94kMedian applicant income
73Loans originated
24Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 3 | 54.6% | 8.88% | #367 |
| 2024 | 29 | 15 | 48.3% | 7.50% | #284 |
| 2025 | 103 | 73 | 23.3% | 7.50% | #181 |
What Hometown Equity Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McCurtain County | 50 | 41 | 7 | 14.0% |
| Oklahoma County | 15 | 11 | 4 | 26.7% |
| Tulsa County | 13 | 6 | 7 | 53.8% |
| Cleveland County | 5 | 4 | 0 | 0.0% |
| Rogers County | 5 | 3 | 2 | 40.0% |
| Grady County | 3 | 2 | 0 | 0.0% |
| Marshall County | 2 | 2 | 0 | 0.0% |
| Comanche County | 2 | 1 | 1 | 50.0% |
| Seminole County | 1 | 1 | 0 | 0.0% |
| Muskogee County | 1 | 0 | 1 | 100.0% |
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: 103 applications in 2025, of which 73 were originated and 24 denied.
23.3% of all applications, or 24.0% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Hometown Equity Mortgage originated in Oklahoma in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity 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