V.i.p. Mortgage in Oklahoma vs the state
2.4%Denial rate-15.51 pts vs state
3.3%Decision denial rate-19.60 pts vs state
70.8%Origination rate+14.68 pts vs state
6.49%Median rate-0.13 pts vs state
0.30Rate spread (pts)-0.04 pts vs state
$96kMedian applicant income
264Loans originated
9Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 9 | 8.3% | 7.00% | #358 |
| 2024 | 274 | 193 | 0.7% | 6.50% | #95 |
| 2025 | 373 | 264 | 2.4% | 6.49% | #77 |
What V.i.p. Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 105 | 72 | 4 | 3.8% |
| Cleveland County | 60 | 43 | 2 | 3.3% |
| Tulsa County | 31 | 23 | 0 | 0.0% |
| Canadian County | 27 | 20 | 0 | 0.0% |
| Logan County | 21 | 19 | 0 | 0.0% |
| McClain County | 17 | 10 | 1 | 5.9% |
| Pottawatomie County | 12 | 6 | 2 | 16.7% |
| Grady County | 11 | 11 | 0 | 0.0% |
| Wagoner County | 7 | 6 | 0 | 0.0% |
| Lincoln County | 6 | 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: 373 applications in 2025, of which 264 were originated and 9 denied.
2.4% of all applications, or 3.3% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans V.i.p. Mortgage originated in Oklahoma in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are V.i.p. 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