Royal United Mortgage in Oklahoma vs the state
24.1%Denial rate+6.17 pts vs state
29.1%Decision denial rate+6.25 pts vs state
55.0%Origination rate-1.10 pts vs state
6.88%Median rate+0.25 pts vs state
1.30Rate spread (pts)+0.95 pts vs state
$46kMedian applicant income
121Loans originated
53Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 121 | 29.1% | 7.13% | #107 |
| 2024 | 250 | 122 | 32.8% | 7.00% | #101 |
| 2025 | 220 | 121 | 24.1% | 6.88% | #115 |
What Royal United Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 36 | 21 | 7 | 19.4% |
| Tulsa County | 22 | 10 | 6 | 27.3% |
| Pottawatomie County | 9 | 4 | 3 | 33.3% |
| Cleveland County | 9 | 5 | 3 | 33.3% |
| Canadian County | 8 | 6 | 0 | 0.0% |
| Pittsburg County | 7 | 5 | 1 | 14.3% |
| Ottawa County | 7 | 6 | 0 | 0.0% |
| Comanche County | 7 | 3 | 3 | 42.9% |
| Creek County | 7 | 3 | 2 | 28.6% |
| Payne County | 6 | 2 | 3 | 50.0% |
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: 220 applications in 2025, of which 121 were originated and 53 denied.
24.1% of all applications, or 29.1% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Royal United Mortgage originated in Oklahoma in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Royal United 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