Lenders › Mortgage Research Center › Oklahoma
Mortgage Research Center in Oklahoma
HMDA record for properties in Oklahoma, calendar year 2024. National record · Oklahoma overview
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.
Mortgage Research Center's 2024 HMDA record for Oklahoma covers 3,528 applications, 1,885 of them originated, worth $474m.
Its denial rate in the state was 21.9%, close to the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 24.0%.
The median rate spread on its Oklahoma originations was -0.0 percentage points (state median 0.5).
Applications in the state were up 22% on 2023.
Compared with the state and the lender's national record
| Measure | In Oklahoma | Oklahoma, all lenders | Mortgage Research Center, all states | United States |
|---|---|---|---|---|
| Denial rate | 21.9% | 23.4% | 24.0% | 24.3% |
| Median rate spread, pp | -0.0 | 0.5 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.0% | 17.5% | 0.8% | 15.6% |
| Average originated loan | $251k | $223k | $315k | $329k |
| Home purchase share | 83.4% | 63.6% | 81.8% | 57.0% |
| FHA-insured share | 2.9% | 17.1% | 2.9% | 13.4% |
| VA-guaranteed share | 92.1% | 11.9% | 92.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOklahoma, all lenders
Loan purpose and loan type in Oklahoma
By purpose
Home purchase 83% (1,572)Refinancing 14% (255)Cash-out refinancing 3% (58)
By type
Conventional 5% (90)FHA 3% (54)VA 92% (1,736)USDA 0% (5)
Denial reasons as coded
Share of 536 denials in Oklahoma by first denial reason coded (outlined bar: all lenders in the state).
Counties in Oklahoma
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Comanche County | 494 | 314 | $70m | 14.7% |
| Oklahoma County | 519 | 269 | $71m | 23.2% |
| Tulsa County | 321 | 168 | $48m | 24.0% |
| Cleveland County | 265 | 155 | $44m | 16.0% |
| Canadian County | 235 | 130 | $37m | 18.1% |
| Pottawatomie County | 90 | 54 | $13m | 18.2% |
| Rogers County | 87 | 50 | $14m | 15.0% |
| Garfield County | 64 | 36 | $7.1m | 22.9% |
| Wagoner County | 80 | 34 | $9.5m | 27.1% |
| Grady County | 61 | 34 | $9.5m | 15.0% |
| Jackson County | 66 | 31 | $7.1m | 13.9% |
| Stephens County | 59 | 31 | $7.4m | 31.1% |
| McClain County | 57 | 31 | $8.6m | 23.8% |
| Bryan County | 42 | 30 | $7.7m | 14.3% |
| Creek County | 54 | 28 | $6.4m | 24.3% |
| Logan County | 61 | 27 | $10.0m | 27.0% |
| Washington County | 59 | 26 | $5.3m | 36.6% |
| Le Flore County | 50 | 26 | $5.6m | 20.6% |
| Muskogee County | 65 | 23 | $4.8m | 39.5% |
| Pittsburg County | 45 | 23 | $4.4m | 23.3% |
| Sequoyah County | 43 | 18 | $3.8m | — |
| Kay County | 40 | 18 | $3.0m | 43.8% |
| Carter County | 38 | 18 | $5.0m | — |
| Mayes County | 31 | 18 | $4.5m | — |
| Payne County | 38 | 17 | $4.6m | — |
| Delaware County | 38 | 16 | $3.7m | — |
| Lincoln County | 30 | 16 | $3.4m | — |
| Osage County | 30 | 14 | $3.7m | — |
| Cherokee County | 31 | 13 | $2.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mortgage Research Center originate in Oklahoma in 2024?
1,885 loans totalling $474m, from 3,528 applications reported for properties in Oklahoma.
What is Mortgage Research Center's denial rate in Oklahoma?
21.9% of decided applications in Oklahoma were denied, against 23.4% for all lenders in the state and 24.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Oklahoma counties does Mortgage Research Center lend in most?
By originations: Comanche County (314), Oklahoma County (269), Tulsa County (168), Cleveland County (155), Canadian County (130).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Oklahoma. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.