United Built Homes in Oklahoma vs the state
27.4%Denial rate+9.48 pts vs state
43.0%Decision denial rate+20.14 pts vs state
21.9%Origination rate-34.18 pts vs state
8.99%Median rate+2.37 pts vs state
—Rate spread (pts)
$104kMedian applicant income
32Loans originated
40Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 161 | 28 | 26.1% | 8.99% | #125 |
| 2024 | 162 | 26 | 34.6% | 8.99% | #129 |
| 2025 | 146 | 32 | 27.4% | 8.99% | #152 |
What United Built Homes lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most United Built Homes applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rogers County | 11 | 2 | 0 | 0.0% |
| Adair County | 10 | 1 | 3 | 30.0% |
| Creek County | 9 | 3 | 1 | 11.1% |
| Le Flore County | 9 | 1 | 5 | 55.6% |
| Okmulgee County | 7 | 1 | 0 | 0.0% |
| Tulsa County | 6 | 3 | 3 | 50.0% |
| Muskogee County | 6 | 0 | 4 | 66.7% |
| Marshall County | 6 | 0 | 0 | 0.0% |
| Bryan County | 6 | 0 | 0 | 0.0% |
| Delaware 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: 146 applications in 2025, of which 32 were originated and 40 denied.
27.4% of all applications, or 43.0% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans United Built Homes originated in Oklahoma in 2025 was 8.99%, against a statewide median of 6.63%.
About this data. Figures are United Built Homes'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