Vanderbilt Mortgage and Finance in Oklahoma vs the state
38.3%Denial rate+20.39 pts vs state
74.1%Decision denial rate+51.26 pts vs state
11.8%Origination rate-44.34 pts vs state
9.75%Median rate+3.13 pts vs state
3.81Rate spread (pts)+3.46 pts vs state
$64kMedian applicant income
307Loans originated
1,000Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,662 | 324 | 45.4% | 9.75% | #9 |
| 2024 | 2,800 | 301 | 47.1% | 9.50% | #10 |
| 2025 | 2,610 | 307 | 38.3% | 9.75% | #10 |
What Vanderbilt Mortgage and Finance lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 225 | 12 | 99 | 44.0% |
| Oklahoma County | 159 | 7 | 78 | 49.1% |
| Creek County | 119 | 11 | 45 | 37.8% |
| Cleveland County | 115 | 15 | 49 | 42.6% |
| Rogers County | 105 | 13 | 33 | 31.4% |
| Okmulgee County | 89 | 12 | 31 | 34.8% |
| Mayes County | 87 | 7 | 37 | 42.5% |
| Delaware County | 84 | 11 | 30 | 35.7% |
| Muskogee County | 83 | 11 | 32 | 38.6% |
| McClain County | 80 | 7 | 28 | 35.0% |
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% |
| Triad Financial Services | D | 2,559 | 51.4% | 8.85% |
Frequently asked questions
Oklahoma: 2,610 applications in 2025, of which 307 were originated and 1,000 denied.
38.3% of all applications, or 74.1% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Oklahoma in 2025 was 9.75%, against a statewide median of 6.63%.
About this data. Figures are Vanderbilt Mortgage and Finance'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