PHH Mortgage in Oklahoma vs the state
6.3%Denial rate-11.60 pts vs state
15.0%Decision denial rate-7.87 pts vs state
33.7%Origination rate-22.42 pts vs state
6.50%Median rate-0.13 pts vs state
0.30Rate spread (pts)-0.05 pts vs state
$72kMedian applicant income
64Loans originated
12Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 19 | 23.0% | 6.63% | #192 |
| 2024 | 153 | 47 | 11.1% | 6.88% | #134 |
| 2025 | 190 | 64 | 6.3% | 6.50% | #130 |
What PHH Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most PHH Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 31 | 8 | 1 | 3.2% |
| Tulsa County | 31 | 13 | 2 | 6.5% |
| Canadian County | 13 | 4 | 0 | 0.0% |
| Rogers County | 11 | 3 | 2 | 18.2% |
| Cleveland County | 8 | 2 | 3 | 37.5% |
| Sequoyah County | 6 | 3 | 0 | 0.0% |
| Comanche County | 6 | 3 | 0 | 0.0% |
| Le Flore County | 6 | 1 | 0 | 0.0% |
| Wagoner County | 5 | 3 | 0 | 0.0% |
| Washington County | 5 | 2 | 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: 190 applications in 2025, of which 64 were originated and 12 denied.
6.3% of all applications, or 15.0% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans PHH Mortgage originated in Oklahoma in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are PHH Mortgage'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