Pennymac Loan Services in Oklahoma vs the state
12.0%Denial rate-5.93 pts vs state
19.5%Decision denial rate-3.37 pts vs state
47.2%Origination rate-8.90 pts vs state
6.25%Median rate-0.38 pts vs state
0.16Rate spread (pts)-0.19 pts vs state
$93kMedian applicant income
1,012Loans originated
257Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,093 | 593 | 13.4% | 6.50% | #24 |
| 2024 | 1,577 | 804 | 11.8% | 6.25% | #17 |
| 2025 | 2,144 | 1,012 | 12.0% | 6.25% | #13 |
What Pennymac Loan Services lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 438 | 218 | 51 | 11.6% |
| Tulsa County | 317 | 161 | 36 | 11.4% |
| Canadian County | 148 | 81 | 8 | 5.4% |
| Cleveland County | 141 | 78 | 13 | 9.2% |
| Comanche County | 116 | 52 | 11 | 9.5% |
| Wagoner County | 94 | 47 | 9 | 9.6% |
| Rogers County | 65 | 30 | 8 | 12.3% |
| Grady County | 52 | 25 | 3 | 5.8% |
| McClain County | 41 | 18 | 6 | 14.6% |
| Creek County | 38 | 10 | 12 | 31.6% |
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: 2,144 applications in 2025, of which 1,012 were originated and 257 denied.
12.0% of all applications, or 19.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Pennymac Loan Services originated in Oklahoma in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Pennymac Loan Services'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