Luminate Home Loans in Oklahoma vs the state
1.8%Denial rate-16.10 pts vs state
2.3%Decision denial rate-20.60 pts vs state
70.9%Origination rate+14.81 pts vs state
6.99%Median rate+0.37 pts vs state
0.78Rate spread (pts)+0.43 pts vs state
$105kMedian applicant income
39Loans originated
1Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 231 | 160 | 0.4% | 7.13% | #104 |
| 2024 | 879 | 620 | 2.1% | 7.00% | #33 |
| 2025 | 55 | 39 | 1.8% | 6.99% | #245 |
What Luminate Home Loans lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Luminate Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 19 | 13 | 0 | 0.0% |
| Tulsa County | 13 | 10 | 1 | 7.7% |
| Canadian County | 5 | 2 | 0 | 0.0% |
| Cleveland County | 4 | 2 | 0 | 0.0% |
| Wagoner County | 3 | 3 | 0 | 0.0% |
| Garfield County | 2 | 2 | 0 | 0.0% |
| Creek County | 2 | 1 | 0 | 0.0% |
| Muskogee County | 1 | 1 | 0 | 0.0% |
| Comanche County | 1 | 0 | 0 | 0.0% |
| Logan County | 1 | 1 | 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: 55 applications in 2025, of which 39 were originated and 1 denied.
1.8% of all applications, or 2.3% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Luminate Home Loans originated in Oklahoma in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Luminate Home Loans'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