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21st Mortgage in Oklahoma

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

LEI 549300XQVJ1XBNFA5536
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.

21st Mortgage's 2024 HMDA record for Oklahoma covers 4,508 applications, 906 of them originated, worth $104m.

Its denial rate in the state was 68.1%, above the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 70.3%.

The median rate spread on its Oklahoma originations was 4.0 percentage points (state median 0.5).

Applications in the state were about level with 2023.

4,508applications in OK, 20242.7% of the lender's total
906loans originated$104m
68.1%denial rateOK all lenders 23.4%
4.0 ppmedian rate spreadOK 0.5 pp

Compared with the state and the lender's national record

MeasureIn OklahomaOklahoma, all lenders21st Mortgage, all statesUnited States
Denial rate68.1%23.4%70.3%24.3%
Median rate spread, pp4.00.54.20.3
Originations with spread of 1.5 pp or more98.2%17.5%99.0%15.6%
Average originated loan$115k$223k$114k$329k
Home purchase share98.2%63.6%98.4%57.0%
FHA-insured share0.0%17.1%0.0%13.4%
VA-guaranteed share0.0%11.9%0.0%7.9%

Trend by year

ApplicationsOriginations

02,2824,5642022: 3,487 Applications2023: 4,564 Applications2024: 4,508 Applications2022: 614 Originations2023: 860 Originations2024: 906 Originations202220232024
21st Mortgage in Oklahoma: applications and originations, 2022–2024

This lender in stateOklahoma, all lenders

0%35.5%71.1%2022: 71.1% This lender in state2023: 69.5% This lender in state2024: 68.1% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Oklahoma

By purpose

Home purchase 98% (890)Home improvement 0% (1)Refinancing 1% (10)Cash-out refinancing 0% (2)Other purpose 0% (3)

By type

Conventional 100% (906)

Denial reasons as coded

Credit history58.1%
Debt-to-income ratio24.5%
Insufficient cash (downpayment, closing costs)7%
Credit application incomplete6.4%
Collateral1.7%
Unverifiable information1.2%
Employment history0.6%
Other0.6%
Mortgage insurance denied0%

Share of 2,053 denials in Oklahoma by first denial reason coded (outlined bar: all lenders in the state).

Counties in Oklahoma

CountyApplicationsOriginationsAmountDenial rate
Cleveland County33572$7.3m69.1%
Oklahoma County42064$3.6m77.4%
Canadian County19146$2.3m65.9%
Lincoln County11738$5.6m52.3%
Pottawatomie County18431$4.2m70.3%
Bryan County16731$3.9m73.0%
Logan County12327$4.0m57.9%
Comanche County8727$2.0m59.1%
Tulsa County15325$2.3m75.9%
McIntosh County5325$3.3m28.6%
Grady County9223$3.1m59.7%
Marshall County8323$2.8m54.5%
Carter County15322$2.8m78.3%
Pittsburg County10522$2.4m64.1%
Le Flore County10222$2.3m65.2%
Creek County11521$2.0m67.2%
Atoka County6320$2.5m58.3%
Delaware County9119$1.8m66.7%
Muskogee County7719$3.0m58.8%
Payne County7219$4.7m63.5%
Sequoyah County8618$2.4m66.1%
Rogers County7518$2.7m62.7%
Osage County7217$2.0m58.3%
McClain County8716$2.2m69.1%
Okmulgee County6015$1.5m55.6%
McCurtain County8214$1.5m68.1%
Pawnee County4713$1.5m58.8%
Love County8512$1.4m80.0%
Mayes County6411$1.7m72.7%
Garvin County6211$1.3m73.2%
Cherokee County7410$870k77.8%
Choctaw County5210$1.4m63.3%
Adair County3910$1.1m60.0%
Wagoner County709$1.1m79.1%
Pontotoc County738$790k82.6%
Stephens County568$970k75.7%
Murray County297$855k—
Latimer County277$745k—
Seminole County556$900k78.8%
Pushmataha County326$580k—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did 21st Mortgage originate in Oklahoma in 2024?

906 loans totalling $104m, from 4,508 applications reported for properties in Oklahoma.

What is 21st Mortgage's denial rate in Oklahoma?

68.1% of decided applications in Oklahoma were denied, against 23.4% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?

By originations: Cleveland County (72), Oklahoma County (64), Canadian County (46), Lincoln County (38), Pottawatomie County (31).

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.