Zippy Loans in Oklahoma vs the state
42.0%Denial rate+24.11 pts vs state
74.4%Decision denial rate+51.49 pts vs state
14.5%Origination rate-41.61 pts vs state
10.73%Median rate+4.11 pts vs state
0.06Rate spread (pts)-0.29 pts vs state
$54kMedian applicant income
20Loans originated
58Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 20 | 5 | 35.0% | 11.15% | #318 |
| 2025 | 138 | 20 | 42.0% | 10.73% | #158 |
What Zippy Loans lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 42 | 3 | 21 | 50.0% |
| Cleveland County | 20 | 1 | 7 | 35.0% |
| Canadian County | 14 | 0 | 8 | 57.1% |
| Comanche County | 13 | 6 | 4 | 30.8% |
| Tulsa County | 9 | 3 | 4 | 44.4% |
| Wagoner County | 8 | 3 | 0 | 0.0% |
| Rogers County | 5 | 3 | 0 | 0.0% |
| Muskogee County | 5 | 0 | 1 | 20.0% |
| Creek County | 2 | 1 | 1 | 50.0% |
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: 138 applications in 2025, of which 20 were originated and 58 denied.
42.0% of all applications, or 74.4% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Zippy Loans originated in Oklahoma in 2025 was 10.73%, against a statewide median of 6.63%.
About this data. Figures are Zippy 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