Sofi Bank in Oklahoma vs the state
7.3%Denial rate-10.62 pts vs state
20.0%Decision denial rate-2.87 pts vs state
28.5%Origination rate-27.63 pts vs state
6.99%Median rate+0.37 pts vs state
0.96Rate spread (pts)+0.61 pts vs state
$115kMedian applicant income
156Loans originated
40Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 110 | 38 | 16.4% | 6.81% | #157 |
| 2024 | 144 | 57 | 16.0% | 6.99% | #140 |
| 2025 | 548 | 156 | 7.3% | 6.99% | #59 |
What Sofi Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Sofi Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 118 | 34 | 13 | 11.0% |
| Tulsa County | 110 | 36 | 4 | 3.6% |
| Cleveland County | 54 | 17 | 2 | 3.7% |
| Canadian County | 32 | 8 | 4 | 12.5% |
| Comanche County | 18 | 6 | 3 | 16.7% |
| Wagoner County | 17 | 1 | 3 | 17.6% |
| Creek County | 14 | 6 | 1 | 7.1% |
| Rogers County | 12 | 5 | 0 | 0.0% |
| Logan County | 11 | 3 | 0 | 0.0% |
| Bryan County | 10 | 4 | 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: 548 applications in 2025, of which 156 were originated and 40 denied.
7.3% 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 Sofi Bank originated in Oklahoma in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Sofi Bank'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