Lenders › Mcclain Bank › Oklahoma
Mcclain Bank 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.
In Oklahoma, Mcclain Bank reported 135 applications and 98 originations for 2024, $20m in all.
Its denial rate in the state was 12.4%, below the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 12.4%.
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Oklahoma | Oklahoma, all lenders | Mcclain Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.4% | 23.4% | 12.4% | 24.3% |
| Median rate spread, pp | — | 0.5 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 17.5% | — | 15.6% |
| Average originated loan | $208k | $223k | $208k | $329k |
| Home purchase share | 46.9% | 63.6% | 46.9% | 57.0% |
| FHA-insured share | 0.0% | 17.1% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 11.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOklahoma, all lenders
Loan purpose and loan type in Oklahoma
By purpose
Home purchase 47% (46)Home improvement 3% (3)Refinancing 40% (39)Cash-out refinancing 5% (5)Other purpose 5% (5)
By type
Conventional 98% (96)USDA 2% (2)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Oklahoma
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cleveland County | 54 | 38 | $7.2m | 15.2% |
| McClain County | 33 | 20 | $5.7m | 20.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mcclain Bank originate in Oklahoma in 2024?
98 loans totalling $20m, from 135 applications reported for properties in Oklahoma.
What is Mcclain Bank's denial rate in Oklahoma?
12.4% of decided applications in Oklahoma were denied, against 23.4% for all lenders in the state and 12.4% 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 Mcclain Bank lend in most?
By originations: Cleveland County (38), McClain County (20).
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.