Southwest Funding in Oklahoma vs the state
9.6%Denial rate-8.29 pts vs state
13.6%Decision denial rate-9.32 pts vs state
57.8%Origination rate+1.70 pts vs state
6.69%Median rate+0.06 pts vs state
0.50Rate spread (pts)+0.16 pts vs state
$79kMedian applicant income
126Loans originated
21Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 20 | 0.0% | 6.87% | #263 |
| 2024 | 203 | 139 | 8.4% | 6.75% | #113 |
| 2025 | 218 | 126 | 9.6% | 6.69% | #117 |
What Southwest Funding lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Southwest Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 31 | 18 | 3 | 9.7% |
| Cleveland County | 31 | 17 | 2 | 6.5% |
| Pottawatomie County | 18 | 10 | 2 | 11.1% |
| Tulsa County | 17 | 8 | 2 | 11.8% |
| Canadian County | 10 | 8 | 0 | 0.0% |
| McClain County | 10 | 7 | 1 | 10.0% |
| Marshall County | 8 | 5 | 1 | 12.5% |
| Bryan County | 8 | 4 | 0 | 0.0% |
| Grady County | 8 | 7 | 0 | 0.0% |
| Lincoln County | 6 | 3 | 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: 218 applications in 2025, of which 126 were originated and 21 denied.
9.6% of all applications, or 13.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Southwest Funding originated in Oklahoma in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are Southwest Funding'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