United Shore Financial Services in Oklahoma vs the state
13.8%Denial rate-4.08 pts vs state
16.6%Decision denial rate-6.25 pts vs state
66.9%Origination rate+10.75 pts vs state
6.13%Median rate-0.50 pts vs state
0.06Rate spread (pts)-0.29 pts vs state
$84kMedian applicant income
2,497Loans originated
517Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,037 | 1,487 | 11.6% | 6.62% | #14 |
| 2024 | 2,966 | 2,067 | 13.0% | 6.38% | #9 |
| 2025 | 3,735 | 2,497 | 13.8% | 6.13% | #8 |
What United Shore Financial Services lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 809 | 569 | 107 | 13.2% |
| Tulsa County | 575 | 397 | 76 | 13.2% |
| Cleveland County | 283 | 194 | 34 | 12.0% |
| Canadian County | 271 | 191 | 28 | 10.3% |
| Comanche County | 166 | 99 | 24 | 14.5% |
| Rogers County | 148 | 106 | 22 | 14.9% |
| Wagoner County | 108 | 84 | 11 | 10.2% |
| Grady County | 93 | 55 | 14 | 15.1% |
| Logan County | 91 | 64 | 11 | 12.1% |
| Creek County | 78 | 50 | 7 | 9.0% |
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% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
| Triad Financial Services | D | 2,559 | 51.4% | 8.85% |
Frequently asked questions
Oklahoma: 3,735 applications in 2025, of which 2,497 were originated and 517 denied.
13.8% of all applications, or 16.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans United Shore Financial Services originated in Oklahoma in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are United Shore Financial Services'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