States › Oklahoma › McClain County
McClain County, Oklahoma
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 2,129 mortgage applications in McClain County, Oklahoma, for 2024, and originated 1,220 loans worth $296m.
That is 74.3 originations per 1,000 households, against 46.6 for Oklahoma and 48.0 nationally.
The county's denial rate was 21.7%, close to the state rate of 23.4%. The median rate spread on originated loans was 0.5 percentage points and 18.1% of originations were 1.5 points or more above the average prime offer rate.
22 lenders reached 25 applications in the county; the most active by originations were First United Bank and Trust Co (149), Rocket Mortgage (51) and Great Plains National Bank (44).
Originations were up 15% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | First United Bank and Trust Co | 204 | 149 | $37m | 8.9% | — |
| 2 | Rocket Mortgage | 67 | 51 | $12m | 11.9% | — |
| 3 | Great Plains National Bank | 53 | 44 | $14m | 4.3% | — |
| 4 | Tinker Federal Credit Union | 64 | 40 | $4.3m | 23.3% | — |
| 5 | Gateway First Bank | 52 | 34 | $9.0m | 2.9% | — |
| 6 | Bancfirst | 43 | 32 | $5.3m | 9.3% | — |
| 7 | Mortgage Research Center | 57 | 31 | $8.6m | 23.8% | — |
| 8 | United Wholesale Mortgage | 45 | 31 | $9.3m | 15.8% | — |
| 9 | Bokf NA | 50 | 25 | $5.5m | 34.1% | — |
| 10 | Lendlo Mortgage, LLC | 27 | 23 | $3.9m | — | — |
| 11 | Guaranteed Rate, Inc. | 27 | 21 | $4.8m | — | — |
| 12 | Mcclain Bank | 33 | 20 | $5.7m | 20.0% | — |
| 13 | Associated Mortgage Corporation | 27 | 20 | $5.3m | — | — |
| 14 | Arvest Bank | 30 | 19 | $6.0m | — | — |
| 15 | Navy Federal Credit Union | 28 | 17 | $4.9m | — | — |
| 16 | 21st Mortgage | 87 | 16 | $2.2m | 69.1% | — |
| 17 | Freedom Mortgage Corporation | 27 | 14 | $5.0m | — | — |
| 18 | Discover Bank | 39 | 11 | $825k | 60.7% | — |
| 19 | The First National Bank & Trust Co | 26 | 11 | $1.2m | — | — |
| 20 | True Sky Federal Credit Union | 25 | 8 | $1.1m | — | — |
| 21 | Vanderbilt Mortgage and Finance, Inc | 79 | 5 | $495k | 88.1% | — |
| 22 | Triad Financial Services, Inc. | 39 | 3 | $545k | 51.3% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 22. Denial rate is denials over decided applications in this county.
Compared with Oklahoma and the nation
| Measure | This county | Oklahoma | United States |
|---|---|---|---|
| Denial rate | 21.7% | 23.4% | 24.3% |
| Median rate spread, pp | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.1% | 17.5% | 15.6% |
| Average originated loan | $243k | $223k | $329k |
| Originations per 1,000 households | 74.3 | 46.6 | 48.0 |
| Home purchase share of originations | 62.5% | 63.6% | 57.0% |
| FHA-insured share | 18.1% | 17.1% | 13.4% |
| VA-guaranteed share | 13.2% | 11.9% | 7.9% |
Rate spread distribution
Share of 1,051 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Oklahoma). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 62% (762)Home improvement 7% (84)Refinancing 11% (130)Cash-out refinancing 10% (124)Other purpose 10% (120)
By type
Conventional 66% (800)FHA 18% (221)VA 13% (161)USDA 3% (38)
Trend by year
ApplicationsOriginations
This countyOklahoma
Questions and answers
Which lenders are most active in McClain County, OK?
By 2024 originations: First United Bank and Trust Co (149), Rocket Mortgage (51), Great Plains National Bank (44), Tinker Federal Credit Union (40), Gateway First Bank (34). 22 lenders had at least 25 applications in the county.
What is the mortgage denial rate in McClain County?
21.7% of decided applications were denied in 2024, against 23.4% across Oklahoma and 24.3% nationally.
How many mortgages were originated in McClain County in 2024?
1,220 loans totalling $296m, from 2,129 applications; 74.3 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 40087; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.