2025 · Oklahoma
In 2025, 9,848 investment-property loans worth $1.9B were originated on single-family 1-4 unit homes in Oklahoma. Here's how those terms compared to the rest of the country.
Investor rate premium
88 bps
U.S. median: 76 bps
Denial rate
9.5%
U.S. median: 17.5%
DSCR / business-purpose
64%
U.S. median: 72%
Median LTV
75%
U.S. median: 74%
Since 2024 in Oklahoma
Rate premium
112 bps → 88 bps
-24 bpsInvestor loans
8,867 → 9,848
+11.1%Denial rate
8.7% → 9.5%
+0.7 ptsDSCR / business-purpose
63% → 64%
+1.5 ptsInvestors in Oklahoma borrowed at a median rate of 7.375%, versus 6.5% for owner-occupants — a 88 bps premium that ranks 16th of 51 states.
Their applications were denied 9.5% of the time. The leading reasons for denial were collateral, debt-to-income ratio, other.
64% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 9% were cash-out refinances. The typical loan-to-value was 75%, implying about 25% down.
In 2025, the median investment-property loan in Oklahoma carried a rate of 7.375% versus 6.5% for an owner-occupant — a premium of 88 bps. That ranks 16th of 51 states (1 = highest premium).
9.5% of investment-property applications were denied in Oklahoma in 2025, the 45th-highest denial rate among the 51 states. The most common denial reasons were collateral, debt-to-income ratio, other.
64% of investor loans in Oklahoma were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (40th of 51). The median loan-to-value was 75%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.