Oklahoma Mortgage Lending
720 lenders reporting under HMDA
Statewide mortgage activity. Lenders filed 147,049 HMDA-reported mortgage applications in Oklahoma in 2024, originating 72,214 loans and denying 23,783. That puts the statewide denial rate at 16.2% and the approval (origination) rate at 49.1%. The average loan amount across Oklahoma was $211,635 at an average note rate of 7.16%. 720 distinct institutions — banks, credit unions, and independent mortgage companies — filed HMDA data covering activity in the state. Applications span 77 counties and 6 metropolitan areas.
What drives state-level differences. State mortgage denial rates reflect applicant mix more than lender stance. Credit profiles, loan-to-value ratios, debt-to-income, property type, and rural-versus-urban composition all move the number before any lender policy does. Demographic lending data reported under HMDA shows variation across applicant groups — for example, White applicants had an approval rate of 56.5% and denial rate of 17.7%; while Joint applicants had an approval rate of 55.5% and denial rate of 17.8%. These are derived race categories as reported by applicants and do not by themselves prove causation; credit score, income, and loan-to-value are not reported in HMDA and drive much of the underlying variation. Top counties by volume include Oklahoma County, Tulsa County, Cleveland County.
How to read this page. These are aggregate 2024 HMDA disclosures published by the Consumer Financial Protection Bureau — a federal transparency dataset, not a real-time market feed. A state-level number is useful for context but cannot tell you what rate, fees, or underwriting any individual lender will offer a specific borrower. This page is informational data reporting, not financial, legal, or mortgage advice. Shop at least three lenders, compare Loan Estimates line-by-line, and consult a licensed mortgage professional before applying. Data reflects the CFPB HMDA 2024 Snapshot National Loan-Level Dataset; demographic fields reflect derived categories as reported by applicants.
Nearby Lenders in Oklahoma
Top HMDA-reporting lenders active in Oklahoma. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | FIRST UNITED BANK AND TRUST CO | 3,921 | 5.4% |
| 2 | ROCKET MORTGAGE | 3,863 | 5.3% |
| 3 | BANCFIRST | 3,689 | 5.1% |
| 4 | ARVEST BANK | 3,354 | 4.6% |
| 5 | ASSOCIATED MORTGAGE CORPORATION | 2,420 | 3.4% |
Lending by Race in Oklahoma
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 81,039 | 56.5% | 17.7% |
| Joint | 8,345 | 55.5% | 17.8% |
| American Indian or Alaska Native | 7,431 | 46.9% | 24.3% |
| Black or African American | 6,240 | 45.8% | 24.4% |
| Asian | 3,777 | 58.0% | 15.1% |
| 2 or more minority races | 498 | 45.8% | 27.5% |
| Native Hawaiian or Other Pacific Islander | 281 | 44.8% | 26.7% |
Counties in Oklahoma
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Oklahoma County | 28,846 | 15,130 | 13.9% | $235,821 |
| Tulsa County | 23,702 | 11,929 | 14.3% | $253,226 |
| Cleveland County | 10,751 | 5,560 | 14.7% | $217,278 |
| Canadian County | 10,023 | 5,159 | 11.9% | $227,505 |
| Wagoner County | 4,966 | 2,426 | 13.0% | $214,859 |
| Comanche County | 4,404 | 2,275 | 13.3% | $179,114 |
| Rogers County | 4,303 | 2,104 | 15.3% | $220,410 |
| Creek County | 3,046 | 1,331 | 20.3% | $186,425 |
| Pottawatomie County | 3,005 | 1,460 | 17.0% | $168,837 |
| Logan County | 2,892 | 1,390 | 16.0% | $241,594 |
| Grady County | 2,785 | 1,324 | 15.8% | $194,738 |
| McClain County | 2,490 | 1,217 | 14.7% | $234,273 |
| Muskogee County | 2,329 | 1,049 | 18.9% | $163,768 |
| Payne County | 2,209 | 1,127 | 12.8% | $224,796 |
| Washington County | 1,891 | 931 | 17.2% | $159,648 |
| Bryan County | 1,837 | 915 | 20.5% | $184,548 |
| Osage County | 1,807 | 778 | 20.4% | $192,587 |
| Garfield County | 1,778 | 951 | 12.7% | $158,459 |
| Delaware County | 1,652 | 732 | 21.9% | $217,682 |
| Carter County | 1,615 | 734 | 21.5% | $163,446 |
| Mayes County | 1,556 | 650 | 21.5% | $180,623 |
| Okmulgee County | 1,524 | 627 | 22.2% | $163,327 |
| Stephens County | 1,495 | 810 | 17.1% | $144,505 |
| Cherokee County | 1,491 | 710 | 18.8% | $173,934 |
| Lincoln County | 1,491 | 699 | 21.5% | $170,922 |
| Sequoyah County | 1,414 | 652 | 15.3% | $158,190 |
| Pittsburg County | 1,378 | 643 | 20.8% | $182,707 |
| Le Flore County | 1,349 | 572 | 21.3% | $164,318 |
| Kay County | 1,221 | 610 | 15.0% | $141,618 |
| Pontotoc County | 1,103 | 510 | 20.8% | $166,061 |
| McCurtain County | 1,022 | 453 | 22.5% | $333,601 |
| McIntosh County | 849 | 382 | 21.6% | $182,585 |
| Ottawa County | 810 | 371 | 16.3% | $139,012 |
| Jackson County | 805 | 391 | 13.2% | $186,056 |
| Garvin County | 787 | 326 | 24.4% | $153,640 |
| Marshall County | 741 | 383 | 18.8% | $191,073 |
| Seminole County | 713 | 308 | 24.4% | $148,142 |
| Pawnee County | 580 | 226 | 24.8% | $160,052 |
| Caddo County | 578 | 238 | 24.6% | $145,311 |
| Custer County | 572 | 289 | 14.3% | $167,850 |
| Kingfisher County | 507 | 248 | 16.6% | $202,811 |
| Adair County | 506 | 210 | 22.9% | $145,751 |
| Beckham County | 492 | 222 | 19.7% | $154,126 |
| Murray County | 456 | 217 | 22.4% | $161,667 |
| Woodward County | 414 | 191 | 19.3% | $144,565 |
| Texas County | 402 | 230 | 14.7% | $152,488 |
| Love County | 401 | 145 | 33.9% | $171,110 |
| Hughes County | 323 | 125 | 28.5% | $140,356 |
| Noble County | 322 | 140 | 16.1% | $148,199 |
| Nowata County | 315 | 127 | 20.6% | $143,317 |
| Craig County | 310 | 145 | 18.7% | $151,968 |
| Atoka County | 309 | 125 | 28.5% | $154,773 |
| Choctaw County | 294 | 104 | 30.3% | $162,925 |
| Johnston County | 289 | 116 | 22.8% | $159,533 |
| Okfuskee County | 287 | 135 | 24.4% | $137,613 |
| Haskell County | 260 | 101 | 25.4% | $165,308 |
| Washita County | 245 | 107 | 19.6% | $144,061 |
| Pushmataha County | 200 | 86 | 24.0% | $162,050 |
| Latimer County | 199 | 74 | 23.6% | $156,608 |
| Jefferson County | 196 | 77 | 28.6% | $106,786 |
| Kiowa County | 193 | 106 | 11.9% | $110,389 |
| Tillman County | 184 | 89 | 19.6% | $102,935 |
| Blaine County | 167 | 66 | 25.8% | $134,820 |
| Greer County | 158 | 87 | 19.6% | $111,076 |
| Major County | 145 | 74 | 19.3% | $135,414 |
| Cotton County | 141 | 73 | 17.7% | $116,773 |
| Woods County | 129 | 58 | 19.4% | $121,744 |
| Beaver County | 110 | 41 | 25.4% | $143,727 |
| Grant County | 96 | 37 | 36.5% | $117,813 |
| Coal County | 92 | 38 | 25.0% | $143,696 |
| Dewey County | 89 | 33 | 24.7% | $152,528 |
| Alfalfa County | 82 | 27 | 30.5% | $126,463 |
| Ellis County | 68 | 26 | 29.4% | $169,265 |
| Roger Mills County | 51 | 17 | 23.5% | $166,176 |
| Harper County | 37 | 15 | 18.9% | $116,892 |
| Harmon County | 26 | 14 | 15.4% | $104,231 |
| Cimarron County | 13 | 2 | 23.1% | $91,154 |
Metro Areas in Oklahoma
Frequently Asked Questions
How many mortgage applications were filed in Oklahoma?
What is the mortgage denial rate in Oklahoma?
What is the average mortgage loan amount in Oklahoma?
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Mortgage Lending Guides
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.
