Southwest Stage Funding in Oklahoma vs the state
9.8%Denial rate-8.16 pts vs state
17.0%Decision denial rate-5.83 pts vs state
27.1%Origination rate-29.01 pts vs state
8.00%Median rate+1.38 pts vs state
2.01Rate spread (pts)+1.66 pts vs state
$76kMedian applicant income
211Loans originated
76Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 270 | 158 | 30.0% | 8.08% | #93 |
| 2024 | 224 | 140 | 16.1% | 8.15% | #108 |
| 2025 | 779 | 211 | 9.8% | 8.00% | #43 |
What Southwest Stage Funding lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Southwest Stage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cleveland County | 36 | 7 | 1 | 2.8% |
| Pottawatomie County | 33 | 11 | 2 | 6.1% |
| McClain County | 32 | 6 | 3 | 9.4% |
| Tulsa County | 31 | 4 | 3 | 9.7% |
| Logan County | 29 | 8 | 7 | 24.1% |
| Bryan County | 28 | 6 | 1 | 3.6% |
| Carter County | 28 | 17 | 3 | 10.7% |
| Creek County | 26 | 6 | 4 | 15.4% |
| Lincoln County | 23 | 7 | 3 | 13.0% |
| Cherokee County | 23 | 2 | 2 | 8.7% |
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: 779 applications in 2025, of which 211 were originated and 76 denied.
9.8% of all applications, or 17.0% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Southwest Stage Funding originated in Oklahoma in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Southwest Stage 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