OK · Statewide HMDA 2024
Oklahoma mortgage lending
According to the CFPB HMDA 2024 Snapshot, 721 reporting lenders · 77 counties · 5 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Oklahoma ranks #27 of 54 by application volume but #45 of 52 states with 10,000+ applications on origination share (49.0%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #45
- Origination-share rank of 52
- 49.0%
- Origination share
- 72,278
- Originated
- 16.1%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
147,433reported applications
CFPB HMDA state filing plate
State OK · Oklahoma 16.1% denial
VOL-MID · DEN-MID · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-MID #27/54
- DEN-MID 16.1%
- PHOTO-FINISH Tennessee
- ORIG-FLOOR 49.0%
- BOOK-FULL 721 lenders
- LEAD-MIX 5% top
Photo-finish peer: Tennessee · 16.1% denial (+0.0pp vs Oklahoma)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Oklahoma
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Oklahoma: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (16.1% here).
Similar application volume
Nearest states by HMDA applications filed (147,433 here).
Top lenders by originations · Oklahoma
Funded loans among HMDA-reporting institutions active in this state.
Where Oklahoma sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
147,433 Top 50% higher than 50% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Oklahoma
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Oklahoma filed 147,433 HMDA-reported applications in 2024 (#27 of 54 by volume) with a 16.1% denial rate - near the national 17.2% baseline. White applicants (81,339 apps) show 17.7% denial; Joint applicants (8,359 apps) show 17.8% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
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 | 3.3% |
Reported outcomes by applicant race in Oklahoma
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 81,339 | 56.3% | 17.7% |
| Joint | 8,359 | 55.4% | 17.8% |
| American Indian or Alaska Native | 7,447 | 46.8% | 24.3% |
| Black or African American | 6,254 | 45.8% | 24.3% |
| Asian | 3,780 | 58.0% | 15.1% |
| 2 or more minority races | 498 | 45.8% | 27.5% |
| Native Hawaiian or Other Pacific Islander | 282 | 44.7% | 26.6% |
Every county in Oklahoma, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| 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?
Where does Oklahoma sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Oklahoma?
What is the average mortgage loan amount in Oklahoma?
How many mortgage lenders operate in Oklahoma?
How do mortgage denial rates vary by demographics in Oklahoma?
Which counties in Oklahoma have the most mortgage activity?
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.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.