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Rocket Mortgage in Oklahoma

HMDA record for properties in Oklahoma, calendar year 2024. National record · Oklahoma overview

LEI 549300FGXN1K3HLB1R50
Reporting agency Department of Housing and Urban Development
State Oklahoma

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.

Rocket Mortgage's 2024 HMDA record for Oklahoma covers 5,574 applications, 3,863 of them originated, worth $748m.

Its denial rate in the state was 22.7%, close to the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 18.2%.

The median rate spread on its Oklahoma originations was 0.5 percentage points (state median 0.5).

Applications in the state were up 30% on 2023.

5,574applications in OK, 20241.1% of the lender's total
3,863loans originated$748m
22.7%denial rateOK all lenders 23.4%
0.5 ppmedian rate spreadOK 0.5 pp

Compared with the state and the lender's national record

MeasureIn OklahomaOklahoma, all lendersRocket Mortgage, all statesUnited States
Denial rate22.7%23.4%18.2%24.3%
Median rate spread, pp0.50.50.50.3
Originations with spread of 1.5 pp or more13.3%17.5%17.8%15.6%
Average originated loan$194k$223k$270k$329k
Home purchase share37.6%63.6%38.0%57.0%
FHA-insured share24.7%17.1%18.5%13.4%
VA-guaranteed share12.2%11.9%7.8%7.9%

Trend by year

ApplicationsOriginations

03560.57,1212022: 7,121 Applications2023: 4,276 Applications2024: 5,574 Applications2022: 4,814 Originations2023: 2,908 Originations2024: 3,863 Originations202220232024
Rocket Mortgage in Oklahoma: applications and originations, 2022–2024

This lender in stateOklahoma, all lenders

0%12.1%24.1%2022: 24% This lender in state2023: 23.4% This lender in state2024: 22.7% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Oklahoma

By purpose

Home purchase 38% (1,452)Home improvement 1% (49)Refinancing 8% (314)Cash-out refinancing 46% (1,770)Other purpose 7% (278)

By type

Conventional 63% (2,439)FHA 25% (953)VA 12% (471)

Denial reasons as coded

Collateral50.1%
Credit application incomplete16.8%
Debt-to-income ratio14.7%
Credit history5.4%
Other4.1%
Insufficient cash (downpayment, closing costs)3.8%
Unverifiable information3.2%
Employment history1.9%
Mortgage insurance denied0%

Share of 1,160 denials in Oklahoma by first denial reason coded (outlined bar: all lenders in the state).

Counties in Oklahoma

CountyApplicationsOriginationsAmountDenial rate
Oklahoma County1,064743$158m22.4%
Tulsa County814606$122m17.8%
Cleveland County374270$57m17.5%
Canadian County337258$51m14.1%
Wagoner County142112$20m14.4%
Rogers County169111$21m26.8%
Comanche County14085$14m26.0%
Logan County10979$18m17.0%
Creek County10168$11m27.7%
Grady County10067$15m26.9%
Muskogee County9963$9.7m31.9%
Washington County8859$10m22.2%
Pottawatomie County8958$10m20.3%
Delaware County7653$12m24.3%
McClain County6751$12m11.9%
Payne County7649$9.4m29.0%
Bryan County7349$11m29.0%
Mayes County7048$8.8m26.9%
Le Flore County7347$9.7m29.9%
Osage County7445$8.0m30.8%
Pittsburg County6844$7.7m27.9%
Garfield County6441$7.6m27.1%
McCurtain County6240$8.9m28.1%
Stephens County5840$6.0m24.5%
Carter County5939$7.4m23.1%
McIntosh County4938$6.4m20.4%
Cherokee County6137$8.0m33.3%
Pontotoc County5435$5.8m28.6%
Lincoln County5335$7.4m32.7%
Sequoyah County5634$6.0m30.6%
Okmulgee County5333$5.6m28.3%
Jackson County4231$4.7m26.2%
Custer County3930$5.4m13.5%
Beckham County4528$4.1m24.4%
Garvin County4027$3.5m26.3%
Kay County5025$3.2m44.7%
Marshall County3825$5.9m30.6%
Texas County3223$3.5m14.8%
Murray County3222$3.9m29.0%
Ottawa County3621$3.3m31.3%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Rocket Mortgage originate in Oklahoma in 2024?

3,863 loans totalling $748m, from 5,574 applications reported for properties in Oklahoma.

What is Rocket Mortgage's denial rate in Oklahoma?

22.7% of decided applications in Oklahoma were denied, against 23.4% for all lenders in the state and 18.2% 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 Rocket Mortgage lend in most?

By originations: Oklahoma County (743), Tulsa County (606), Cleveland County (270), Canadian County (258), Wagoner County (112).

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 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.