Oklahoma’s FHA denial rate in 2025 was 20.0% across 18,580 decisioned applications — ranking #41 of 52 states. Among high-volume lenders, the lowest observed denial rate was The Mortgage Link, Inc. at 0.5%; the highest was Amerisave Mortgage Company at 80.0%. The institutional spread inside Oklahoma is 160.0×: the same FHA application faces a 0.5% observed denial rate at one high-volume door and 80.0% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Oklahoma FHA apps | Denial rate |
|---|---|---|
| The Mortgage Link, Inc. | 407 | 0.5% |
| Associated Mortgage Corporation | 926 | 1.3% |
| Flat Branch Mortgage, Inc. | 627 | 1.9% |
| Great Plains National Bank | 481 | 3.5% |
| Stride Bank, National Associatio | 389 | 4.6% |
| First United Bank And Trust Co | 894 | 7.5% |
| Arvest Bank | 401 | 12.7% |
| Dhi Mortgage Company, Ltd. | 398 | 17.8% |
| Pennymac Loan Services LLC | 422 | 19.7% |
| Freedom Mortgage Corporation | 445 | 25.8% |
| United Wholesale Mortgage | 758 | 27.7% |
| New American Funding, LLC. | 378 | 33.3% |
| Rocket Mortgage | 1,459 | 37.8% |
| Loandepot.Com LLC | 500 | 60.2% |
| Amerisave Mortgage Company | 431 | 80.0% |
Applications under $150K were denied 34.3% of the time versus 14.9% for loans of $250K+ — a 2.3× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
Nobody. No lender pays to appear or improve its position; no ads, no referral fees, no lead sales. FinanceRateCalc is not a lender and does not compete with the institutions it measures. Rates reflect applicant mix and channel as well as underwriting appetite — a high rate is not an accusation, and a low one is not advice. Compare nationally: the top-100 table · the 15-market door map · all 52 states ranked · why each lender says no.