Union Home Mortgage in Oklahoma vs the state
5.9%Denial rate-12.01 pts vs state
7.6%Decision denial rate-15.28 pts vs state
69.5%Origination rate+13.36 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.05 pts vs state
$103kMedian applicant income
282Loans originated
24Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 334 | 259 | 2.7% | 7.00% | #76 |
| 2024 | 400 | 295 | 4.8% | 6.88% | #69 |
| 2025 | 406 | 282 | 5.9% | 6.63% | #73 |
What Union Home Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cleveland County | 100 | 75 | 1 | 1.0% |
| Oklahoma County | 84 | 61 | 3 | 3.6% |
| McCurtain County | 46 | 28 | 2 | 4.3% |
| Canadian County | 33 | 23 | 3 | 9.1% |
| Tulsa County | 30 | 23 | 2 | 6.7% |
| Grady County | 25 | 16 | 2 | 8.0% |
| McClain County | 21 | 18 | 1 | 4.8% |
| Washington County | 8 | 4 | 1 | 12.5% |
| Wagoner County | 7 | 4 | 1 | 14.3% |
| Pontotoc County | 5 | 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: 406 applications in 2025, of which 282 were originated and 24 denied.
5.9% of all applications, or 7.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Union Home Mortgage originated in Oklahoma in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Union Home Mortgage'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