SmartFi Home Loans in Oklahoma vs the state
14.3%Denial rate-3.63 pts vs state
20.0%Decision denial rate-2.87 pts vs state
57.1%Origination rate+1.04 pts vs state
6.38%Median rate-0.25 pts vs state
—Rate spread (pts)
$32kMedian applicant income
8Loans originated
2Denied
What SmartFi Home Loans lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most SmartFi Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 3 | 2 | 0 | 0.0% |
| Rogers County | 2 | 1 | 0 | 0.0% |
| Oklahoma County | 2 | 2 | 0 | 0.0% |
| Pottawatomie County | 1 | 1 | 0 | 0.0% |
| Delaware County | 1 | 0 | 1 | 100.0% |
| Love County | 1 | 0 | 1 | 100.0% |
| Garvin County | 1 | 0 | 0 | 0.0% |
| Cleveland County | 1 | 1 | 0 | 0.0% |
| Canadian County | 1 | 0 | 0 | 0.0% |
| Mayes County | 1 | 1 | 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: 14 applications in 2025, of which 8 were originated and 2 denied.
14.3% of all applications, or 20.0% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans SmartFi Home Loans originated in Oklahoma in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are SmartFi Home Loans'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