Kind Lending in Oklahoma vs the state
25.7%Denial rate+7.82 pts vs state
28.5%Decision denial rate+5.59 pts vs state
64.0%Origination rate+7.90 pts vs state
6.50%Median rate-0.13 pts vs state
0.30Rate spread (pts)-0.05 pts vs state
$94kMedian applicant income
368Loans originated
148Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 30 | 31.7% | 6.99% | #210 |
| 2024 | 248 | 153 | 24.2% | 6.63% | #102 |
| 2025 | 575 | 368 | 25.7% | 6.50% | #57 |
What Kind Lending lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 146 | 100 | 26 | 17.8% |
| Canadian County | 61 | 35 | 22 | 36.1% |
| Tulsa County | 55 | 37 | 14 | 25.5% |
| Cleveland County | 42 | 28 | 10 | 23.8% |
| Creek County | 29 | 23 | 4 | 13.8% |
| Wagoner County | 27 | 17 | 7 | 25.9% |
| Logan County | 21 | 13 | 5 | 23.8% |
| McClain County | 16 | 13 | 2 | 12.5% |
| Pottawatomie County | 14 | 7 | 6 | 42.9% |
| Rogers County | 12 | 8 | 3 | 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: 575 applications in 2025, of which 368 were originated and 148 denied.
25.7% of all applications, or 28.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Kind Lending originated in Oklahoma in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Kind Lending'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