Waterstone Mortgage in Oklahoma vs the state
1.3%Denial rate-16.60 pts vs state
1.8%Decision denial rate-21.09 pts vs state
72.2%Origination rate+16.08 pts vs state
6.50%Median rate-0.13 pts vs state
0.27Rate spread (pts)-0.08 pts vs state
$95kMedian applicant income
493Loans originated
9Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 560 | 406 | 2.7% | 6.88% | #52 |
| 2024 | 511 | 364 | 2.4% | 6.63% | #57 |
| 2025 | 683 | 493 | 1.3% | 6.50% | #50 |
What Waterstone Mortgage lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Waterstone Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tulsa County | 308 | 215 | 1 | 0.3% |
| Wagoner County | 55 | 37 | 1 | 1.8% |
| Rogers County | 41 | 30 | 1 | 2.4% |
| Creek County | 36 | 24 | 1 | 2.8% |
| Oklahoma County | 28 | 23 | 1 | 3.6% |
| Cleveland County | 25 | 19 | 2 | 8.0% |
| Mayes County | 25 | 22 | 0 | 0.0% |
| Canadian County | 24 | 20 | 0 | 0.0% |
| Grady County | 19 | 15 | 1 | 5.3% |
| Osage County | 19 | 15 | 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: 683 applications in 2025, of which 493 were originated and 9 denied.
1.3% of all applications, or 1.8% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Waterstone Mortgage originated in Oklahoma in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Waterstone 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