Lower in Oklahoma vs the state
14.3%Denial rate-3.63 pts vs state
20.5%Decision denial rate-2.36 pts vs state
55.4%Origination rate-0.74 pts vs state
6.63%Median rate0.00 pts vs state
0.24Rate spread (pts)-0.10 pts vs state
$96kMedian applicant income
62Loans originated
16Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 25 | 21.3% | 7.25% | #226 |
| 2024 | 141 | 66 | 11.4% | 6.75% | #143 |
| 2025 | 112 | 62 | 14.3% | 6.63% | #172 |
What Lower lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 32 | 17 | 5 | 15.6% |
| Comanche County | 14 | 10 | 2 | 14.3% |
| Tulsa County | 11 | 7 | 0 | 0.0% |
| Cleveland County | 8 | 5 | 0 | 0.0% |
| Wagoner County | 5 | 3 | 1 | 20.0% |
| Canadian County | 4 | 1 | 2 | 50.0% |
| Creek County | 3 | 1 | 0 | 0.0% |
| Delaware County | 3 | 1 | 0 | 0.0% |
| Caddo County | 3 | 3 | 0 | 0.0% |
| Jackson County | 3 | 3 | 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: 112 applications in 2025, of which 62 were originated and 16 denied.
14.3% of all applications, or 20.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Lower originated in Oklahoma in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Lower'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