Kiavi Funding in Oklahoma vs the state
7.5%Denial rate-10.46 pts vs state
21.2%Decision denial rate-1.65 pts vs state
27.0%Origination rate-29.13 pts vs state
9.95%Median rate+3.32 pts vs state
—Rate spread (pts)
—Median applicant income
188Loans originated
52Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 280 | 169 | 14.6% | 11.05% | #92 |
| 2024 | 331 | 259 | 10.6% | 8.50% | #79 |
| 2025 | 697 | 188 | 7.5% | 9.95% | #49 |
What Kiavi Funding lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 243 | 56 | 16 | 6.6% |
| Oklahoma County | 197 | 66 | 6 | 3.0% |
| Muskogee County | 61 | 1 | 1 | 1.6% |
| Cleveland County | 39 | 23 | 4 | 10.3% |
| Creek County | 38 | 9 | 2 | 5.3% |
| Comanche County | 27 | 10 | 7 | 25.9% |
| Okmulgee County | 15 | 0 | 0 | 0.0% |
| Grady County | 15 | 1 | 2 | 13.3% |
| Canadian County | 14 | 3 | 7 | 50.0% |
| McClain County | 8 | 3 | 2 | 25.0% |
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: 697 applications in 2025, of which 188 were originated and 52 denied.
7.5% of all applications, or 21.2% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Kiavi Funding originated in Oklahoma in 2025 was 9.95%, against a statewide median of 6.63%.
About this data. Figures are Kiavi Funding'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