Polaris Home Funding in Oklahoma vs the state
31.6%Denial rate+13.66 pts vs state
37.5%Decision denial rate+14.63 pts vs state
42.1%Origination rate-13.99 pts vs state
6.69%Median rate+0.06 pts vs state
0.79Rate spread (pts)+0.44 pts vs state
$64kMedian applicant income
8Loans originated
6Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 27 | 16.9% | 7.13% | #205 |
| 2024 | 66 | 24 | 30.3% | 6.75% | #217 |
| 2025 | 19 | 8 | 31.6% | 6.69% | #339 |
What Polaris Home Funding lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Polaris Home Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 4 | 1 | 2 | 50.0% |
| Pottawatomie County | 3 | 1 | 1 | 33.3% |
| Oklahoma County | 3 | 2 | 1 | 33.3% |
| Wagoner County | 2 | 2 | 0 | 0.0% |
| Canadian County | 2 | 1 | 1 | 50.0% |
| Mayes County | 2 | 1 | 0 | 0.0% |
| Washington County | 1 | 0 | 1 | 100.0% |
| Marshall County | 1 | 0 | 0 | 0.0% |
| Custer 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: 19 applications in 2025, of which 8 were originated and 6 denied.
31.6% of all applications, or 37.5% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Polaris Home Funding originated in Oklahoma in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are Polaris Home Funding'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