Sierra Pacific Mortgage Company in Oklahoma vs the state
7.0%Denial rate-10.94 pts vs state
8.3%Decision denial rate-14.54 pts vs state
74.4%Origination rate+18.32 pts vs state
6.44%Median rate-0.19 pts vs state
0.41Rate spread (pts)+0.06 pts vs state
$122kMedian applicant income
32Loans originated
3Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 42 | 8.2% | 6.75% | #223 |
| 2024 | 66 | 49 | 7.6% | 6.50% | #216 |
| 2025 | 43 | 32 | 7.0% | 6.44% | #273 |
What Sierra Pacific Mortgage Company lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 8 | 6 | 0 | 0.0% |
| Canadian County | 7 | 6 | 0 | 0.0% |
| Tulsa County | 6 | 4 | 2 | 33.3% |
| Cleveland County | 5 | 5 | 0 | 0.0% |
| Wagoner County | 3 | 3 | 0 | 0.0% |
| Texas County | 2 | 1 | 0 | 0.0% |
| Kay County | 2 | 2 | 0 | 0.0% |
| Garfield County | 1 | 0 | 0 | 0.0% |
| Comanche County | 1 | 0 | 0 | 0.0% |
| Cherokee 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: 43 applications in 2025, of which 32 were originated and 3 denied.
7.0% of all applications, or 8.3% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Sierra Pacific Mortgage Company originated in Oklahoma in 2025 was 6.44%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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