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Oklahoma County, Oklahoma · 2025

Mortgage lenders in Oklahoma County, OK: denial rates and top lenders (2025)

493 lenders acted on 26,870 mortgage applications for properties in Oklahoma County in 2025. 15.5% were denied (Oklahoma: 17.9%). Median rate on closed loans 6.63%; median loan $175,000; median property value $275,000.

27kApplications
15.5%Denial ratestate 17.9%
6.63%Median ratestate 6.63%
$175,000Median loan
$275,000Median property value

Largest lenders in Oklahoma County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 1,154765 22.4%6.63%
2 BancFirst C 909706 10.6%7.50%
3 First United Bank and Trust C 899604 7.0%6.75%
4 United Shore Financial Services B 809569 13.2%6.38%
5 Tinker Federal Credit Union F 767396 24.0%7.13%
6 BOKF D 713375 24.7%6.88%
7 Mortgage Research Center C 622281 19.3%6.25%
8 MidFirst Bank B 585387 22.2%6.50%
9 WEOKIE Federal Credit Union D 562281 21.7%6.38%
10 Arvest Bank C 522365 13.0%6.75%
11 Stride Bank A 498411 1.4%6.13%
12 Associated Mortgage A 486359 0.8%6.50%
13 Great Plains National Bank B 476390 2.3%6.50%
14 21st Mortgage F 46864 58.3%11.68%
15 Pennymac Loan Services C 438218 11.6%6.25%
16 Gateway First Bank B 426292 1.6%6.62%
17 Navy Federal Credit Union D 424182 17.7%6.38%
18 Mld Mortgage A 395328 1.3%6.38%
19 Freedom Mortgage B 386150 7.8%6.25%
20 Valor Bank A 370279 1.4%—
21 Bank of America F 352157 32.7%6.00%
22 JPMorgan Chase Bank B 339203 10.3%6.50%
23 Better Mortgage F 312166 26.0%6.63%
24 The Central Trust Bank C 312249 2.6%6.75%
25 Newrez D 301126 18.9%6.63%

Best approval odds in Oklahoma County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Unnamed lender 894500DJMVO6OSILQJ58600.0%
2Rf Renovo Management Company570.0%
3Gardner Financial Services630.0%
4Lendlo Mortgage860.0%
5First National Bank Of Oklahoma1180.0%
6First Security Bank and Trust1230.8%
7Swbc Mortgage1150.9%
8Associated Mortgage4031.0%
9Sooner State Bank901.1%
10Frontier State Bank701.4%

What Oklahoma County borrowers applied for

By loan purpose

Home purchase 14,026 52% · 9.1% denied
Refinance 3,963 15% · 12.9% denied
Cash-out refinance 4,430 16% · 24.9% denied
Home improvement 1,942 7% · 27.5% denied
Other / HELOC 2,509 9% · 29.9% denied

By loan type

Conventional 19,408 72% · 16.1% denied
FHA 4,257 16% · 14.9% denied
VA 3,168 12% · 13.4% denied
USDA / RHS 37 0% · 5.4% denied

Why applications were denied

Credit history 1,213 30%
Debt-to-income ratio 1,118 28%
Incomplete application 578 14%
Collateral 505 13%
Other 318 8%
Unverifiable information 165 4%
Insufficient cash 97 2%
Employment history 34 1%
Mortgage insurance denied 3 0%

Oklahoma County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202323,16314,00116.6%6.99%$155,000
202425,01615,15116.1%6.99%$165,000
202526,87016,09315.5%6.63%$175,000

Frequently asked questions

15.5% of applications in Oklahoma County were denied in 2025, against 17.9% statewide in Oklahoma.

Rocket Mortgage, with 1,154 applications in 2025 and a denial rate of 22.4%.

The median mortgage application in Oklahoma County in 2025 was for $175,000; the median property value on originated loans was $275,000.