Zillow Home Loans in Oklahoma vs the state
5.4%Denial rate-12.48 pts vs state
6.7%Decision denial rate-16.13 pts vs state
74.3%Origination rate+18.22 pts vs state
6.63%Median rate0.00 pts vs state
0.49Rate spread (pts)+0.14 pts vs state
$85kMedian applicant income
246Loans originated
18Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 102 | 73 | 4.9% | 6.88% | #164 |
| 2024 | 142 | 108 | 3.5% | 6.63% | #142 |
| 2025 | 331 | 246 | 5.4% | 6.63% | #86 |
What Zillow Home Loans lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 136 | 105 | 7 | 5.1% |
| Canadian County | 40 | 30 | 1 | 2.5% |
| Cleveland County | 28 | 18 | 1 | 3.6% |
| Tulsa County | 28 | 20 | 3 | 10.7% |
| Logan County | 14 | 10 | 1 | 7.1% |
| Muskogee County | 7 | 5 | 1 | 14.3% |
| Grady County | 7 | 6 | 0 | 0.0% |
| Rogers County | 7 | 5 | 0 | 0.0% |
| Seminole County | 5 | 3 | 0 | 0.0% |
| Le Flore County | 5 | 5 | 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: 331 applications in 2025, of which 246 were originated and 18 denied.
5.4% of all applications, or 6.7% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Zillow Home Loans originated in Oklahoma in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans'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