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Washington 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.
Washington County, Oklahoma, saw 1,663 HMDA-reported applications and 943 originations ($162m) in 2024.
That is 45.0 originations per 1,000 households, against 46.6 for Oklahoma and 48.0 nationally.
The county's denial rate was 24.1%, close to the state rate of 23.4%. The median rate spread on originated loans was 0.5 percentage points and 13.6% of originations were 1.5 points or more above the average prime offer rate.
15 lenders reached 25 applications in the county; the most active by originations were Truity Federal Credit Union (145), Arvest Bank (129) and Rocket Mortgage (59).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Truity Federal Credit Union | 190 | 145 | $29m | 9.2% | — |
| 2 | Arvest Bank | 204 | 129 | $16m | 24.4% | — |
| 3 | Rocket Mortgage | 88 | 59 | $10m | 22.2% | — |
| 4 | Associated Mortgage Corporation | 74 | 58 | $9.4m | 0.0% | — |
| 5 | Bancfirst | 44 | 40 | $5.0m | 6.8% | — |
| 6 | Bokf NA | 46 | 28 | $4.3m | 29.3% | — |
| 7 | Mortgage Research Center | 59 | 26 | $5.3m | 36.6% | — |
| 8 | American Mortgage Bank, LLC | 43 | 26 | $4.0m | 6.9% | — |
| 9 | Flat Branch Mortgage, Inc. | 34 | 25 | $4.4m | 0.0% | — |
| 10 | United Wholesale Mortgage | 30 | 17 | $3.3m | — | — |
| 11 | Pennymac Loan Services LLC | 30 | 16 | $2.6m | — | — |
| 12 | Freedom Mortgage Corporation | 32 | 12 | $2.5m | — | — |
| 13 | Vanderbilt Mortgage and Finance, Inc | 47 | 7 | $795k | 75.9% | — |
| 14 | Discover Bank | 31 | 2 | $110k | — | — |
| 15 | Triad Financial Services, Inc. | 29 | 1 | $35k | 55.2% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 15. Denial rate is denials over decided applications in this county.
Compared with Oklahoma and the nation
| Measure | This county | Oklahoma | United States |
|---|---|---|---|
| Denial rate | 24.1% | 23.4% | 24.3% |
| Median rate spread, pp | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.6% | 17.5% | 15.6% |
| Average originated loan | $172k | $223k | $329k |
| Originations per 1,000 households | 45.0 | 46.6 | 48.0 |
| Home purchase share of originations | 63.0% | 63.6% | 57.0% |
| FHA-insured share | 18.8% | 17.1% | 13.4% |
| VA-guaranteed share | 10.3% | 11.9% | 7.9% |
Rate spread distribution
Share of 788 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 63% (594)Home improvement 9% (81)Refinancing 10% (97)Cash-out refinancing 8% (72)Other purpose 10% (99)
By type
Conventional 70% (662)FHA 19% (177)VA 10% (97)USDA 1% (7)
Trend by year
ApplicationsOriginations
This countyOklahoma
Questions and answers
Which lenders are most active in Washington County, OK?
By 2024 originations: Truity Federal Credit Union (145), Arvest Bank (129), Rocket Mortgage (59), Associated Mortgage Corporation (58), Bancfirst (40). 15 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Washington County?
24.1% of decided applications were denied in 2024, against 23.4% across Oklahoma and 24.3% nationally.
How many mortgages were originated in Washington County in 2024?
943 loans totalling $162m, from 1,663 applications; 45.0 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 40147; 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.