NFM in Oklahoma vs the state
0.0%Denial rate-17.92 pts vs state
0.0%Decision denial rate-22.87 pts vs state
78.3%Origination rate+22.16 pts vs state
6.81%Median rate+0.19 pts vs state
1.09Rate spread (pts)+0.74 pts vs state
$265kMedian applicant income
18Loans originated
0Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 52 | 1.5% | 6.99% | #198 |
| 2024 | 46 | 34 | 0.0% | 6.99% | #241 |
| 2025 | 23 | 18 | 0.0% | 6.81% | #323 |
What NFM lends in Oklahoma
By loan purpose
By loan type
Where in Oklahoma
Counties with the most NFM applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 10 | 8 | 0 | 0.0% |
| Oklahoma County | 5 | 4 | 0 | 0.0% |
| McCurtain County | 2 | 2 | 0 | 0.0% |
| Wagoner County | 1 | 0 | 0 | 0.0% |
| Washita County | 1 | 1 | 0 | 0.0% |
| Osage County | 1 | 1 | 0 | 0.0% |
| Comanche County | 1 | 1 | 0 | 0.0% |
| Blaine County | 1 | 1 | 0 | 0.0% |
| Cleveland County | 1 | 0 | 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: 23 applications in 2025, of which 18 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans NFM originated in Oklahoma in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are NFM'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