Largest mortgage lenders in Oklahoma
By applications received in 2025. Grade is the lender's national grade.
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 6,990 | 4,587 | 24.0% | 6.75% |
| 2 | First United Bank and Trust | C | 5,630 | 3,985 | 5.9% | 6.88% |
| 3 | Arvest Bank | C | 5,387 | 3,409 | 17.6% | 7.00% |
| 4 | 21st Mortgage | F | 5,217 | 888 | 46.8% | 9.83% |
| 5 | BancFirst | C | 4,799 | 3,786 | 10.0% | 7.38% |
| 6 | BOKF | D | 4,227 | 2,384 | 20.2% | 6.63% |
| 7 | Mortgage Research Center | C | 4,012 | 1,899 | 18.8% | 6.25% |
| 8 | United Shore Financial Services | B | 3,735 | 2,497 | 13.8% | 6.13% |
| 9 | Associated Mortgage | A | 3,213 | 2,484 | 0.7% | 6.50% |
| 10 | Vanderbilt Mortgage and Finance | F | 2,610 | 307 | 38.3% | 9.75% |
| 11 | Triad Financial Services | D | 2,559 | 271 | 51.4% | 8.85% |
| 12 | Gateway First Bank | B | 2,161 | 1,547 | 3.3% | 6.50% |
| 13 | Pennymac Loan Services | C | 2,144 | 1,012 | 12.0% | 6.25% |
| 14 | Freedom Mortgage | B | 2,105 | 846 | 10.6% | 6.25% |
| 15 | Tinker Federal Credit Union | F | 1,995 | 977 | 27.0% | 7.45% |
| 16 | Flat Branch Mortgage | A | 1,843 | 1,425 | 1.3% | 6.49% |
| 17 | Great Plains National Bank | B | 1,838 | 1,509 | 3.3% | 6.50% |
| 18 | Navy Federal Credit Union | D | 1,733 | 811 | 18.6% | 6.38% |
| 19 | Stride Bank | A | 1,716 | 1,406 | 2.2% | 6.38% |
| 20 | Newrez | D | 1,591 | 588 | 18.1% | 6.63% |
| 21 | Broker Solutions | D | 1,581 | 498 | 12.0% | 6.88% |
| 22 | TTCU Federal Credit Union | B | 1,401 | 984 | 16.7% | 6.88% |
| 23 | Loandepot.Com | D | 1,389 | 640 | 38.9% | 6.63% |
| 24 | AmeriSave Mortgage | D | 1,385 | 278 | 66.6% | 7.50% |
| 25 | Bank of America | F | 1,250 | 502 | 33.5% | 6.24% |
Best approval odds in Oklahoma
Lowest decision denial rate among lenders that decided at least 300 Oklahoma applications in 2025.
| # | Lender | Decided | Decision denial rate | Median rate |
|---|---|---|---|---|
| 1 | The Mortgage Link | 740 | 0.4% | 6.38% |
| 2 | Associated Mortgage | 2,708 | 0.8% | 6.50% |
| 3 | Lendlo Mortgage | 327 | 0.9% | 5.99% |
| 4 | Mld Mortgage | 758 | 1.5% | 6.38% |
| 5 | Financial Concepts Mortgage | 549 | 1.5% | 6.50% |
| 6 | Flat Branch Mortgage | 1,460 | 1.6% | 6.49% |
| 7 | Canopy Mortgage | 347 | 1.7% | 6.50% |
| 8 | Waterstone Mortgage | 506 | 1.8% | 6.50% |
| 9 | Sovereign Bank | 500 | 1.8% | 6.99% |
| 10 | Valor Bank | 416 | 1.9% | — |
Lowest median rates in Oklahoma
Among lenders reporting rates on at least 100 originated loans. Product mix matters: a VA specialist will show a lower median than a jumbo lender.
| # | Lender | Priced loans | Median rate | Denial rate |
|---|---|---|---|---|
| 1 | Dhi Mortgage Company | 698 | 4.99% | 9.7% |
| 2 | Lennar Mortgage | 566 | 5.25% | 11.4% |
| 3 | Village Capital & Investment | 179 | 5.75% | 17.7% |
| 4 | Planet Home Lending | 155 | 5.99% | 23.5% |
| 5 | Lendlo Mortgage | 267 | 5.99% | 0.8% |
| 6 | CMG Mortgage | 343 | 6.00% | 3.8% |
| 7 | NBKC Bank | 104 | 6.13% | 8.5% |
| 8 | Cwm Partners | 191 | 6.13% | 3.4% |
| 9 | United Shore Financial Services | 2,497 | 6.13% | 13.8% |
| 10 | Bank of America | 502 | 6.24% | 33.5% |
What Oklahoma borrowers applied for
By loan purpose
By loan type
Denial rate by applicant income
Why Oklahoma applications were denied
Oklahoma mortgage market by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan | Lenders |
|---|---|---|---|---|---|---|
| 2023 | 119,315 | 67,474 | 19.3% | 7.00% | $145,000 | 844 |
| 2024 | 127,869 | 72,817 | 18.7% | 6.99% | $155,000 | 788 |
| 2025 | 140,899 | 79,051 | 17.9% | 6.63% | $165,000 | 821 |
Oklahoma counties
Counties with at least 200 applications in 2025, most active first.
Frequently asked questions
17.9% of mortgage applications in Oklahoma were denied in 2025 (22.9% of applications that reached a decision). Nationally the rate was 18.0%.
Rocket Mortgage handled the most applications in Oklahoma in 2025: 6,990, with a denial rate of 24.0%.
Among lenders that decided at least 300 applications in Oklahoma, The Mortgage Link had the lowest decision denial rate at 0.4%.
The median interest rate on loans originated in Oklahoma in 2025 was 6.63%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.