Sfmc in Oklahoma vs the state
10.0%Denial rate-7.92 pts vs state
16.7%Decision denial rate-6.20 pts vs state
40.0%Origination rate-16.10 pts vs state
7.00%Median rate+0.38 pts vs state
1.03Rate spread (pts)+0.68 pts vs state
$166kMedian applicant income
4Loans originated
1Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 18 | 0.0% | 6.62% | #285 |
| 2024 | 25 | 16 | 0.0% | 6.93% | #299 |
| 2025 | 10 | 4 | 10.0% | 7.00% | #402 |
What Sfmc lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Sfmc applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 3 | 1 | 1 | 33.3% |
| McCurtain County | 2 | 1 | 0 | 0.0% |
| Atoka County | 1 | 0 | 0 | 0.0% |
| Canadian County | 1 | 0 | 0 | 0.0% |
| Rogers County | 1 | 1 | 0 | 0.0% |
| Pittsburg County | 1 | 1 | 0 | 0.0% |
| Pushmataha 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: 10 applications in 2025, of which 4 were originated and 1 denied.
10.0% of all applications, or 16.7% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Sfmc originated in Oklahoma in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Sfmc'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