T2 Financial in Oklahoma vs the state
5.9%Denial rate-12.06 pts vs state
6.4%Decision denial rate-16.45 pts vs state
78.1%Origination rate+21.99 pts vs state
6.75%Median rate+0.13 pts vs state
0.51Rate spread (pts)+0.16 pts vs state
$93kMedian applicant income
253Loans originated
19Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 6 | 0.0% | 7.00% | #418 |
| 2024 | 82 | 60 | 13.4% | 6.63% | #191 |
| 2025 | 324 | 253 | 5.9% | 6.75% | #88 |
What T2 Financial lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 137 | 106 | 11 | 8.0% |
| Oklahoma County | 61 | 47 | 2 | 3.3% |
| Wagoner County | 23 | 20 | 1 | 4.3% |
| Cleveland County | 18 | 16 | 1 | 5.6% |
| Rogers County | 13 | 10 | 1 | 7.7% |
| Canadian County | 9 | 9 | 0 | 0.0% |
| Logan County | 8 | 7 | 1 | 12.5% |
| Creek County | 7 | 6 | 0 | 0.0% |
| Kay County | 5 | 2 | 0 | 0.0% |
| Okmulgee County | 4 | 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: 324 applications in 2025, of which 253 were originated and 19 denied.
5.9% of all applications, or 6.4% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans T2 Financial originated in Oklahoma in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are T2 Financial'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