Lender Register

States › Oklahoma

Oklahoma mortgage lending

Every HMDA reporter's applications, originations and denial rate for properties in Oklahoma, with all 77 counties.

Lenders, 25+ applications 300
Households 1,562,389
Population 4,095,393

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. Record year 2024.

Oklahoma had 127,869 HMDA-reported mortgage applications and 72,817 originations ($16bn) in 2024, from 300 lenders with at least 25 applications in the state.

The statewide denial rate was 23.4% (national 24.3%) and the median rate spread 0.5 percentage points (national 0.3). Originations ran at 46.6 per 1,000 households, against 48.0 nationally.

Originations in the state went from 76,334 in 2018 to 72,817 in 2024; the denial rate moved from 23.3% to 23.4%.

The most active lenders by originations were First United Bank and Trust Co (3,921), Rocket Mortgage (3,863) and Bancfirst (3,689).

127,869applications, 2024
72,817loans originated$16bn
23.4%denial rateUS 24.3%
46.6originations per 1,000 householdsUS 48.0

Most active lenders in Oklahoma

#LenderApplicationsOriginationsAmountDenial rateMedian spread
1First United Bank and Trust Co5,4793,921$877m7.5%0.5
2Rocket Mortgage5,5743,863$748m22.7%0.5
3Bancfirst4,6763,689$555m10.1%0.7
4Arvest Bank5,4063,354$692m22.6%0.6
5Associated Mortgage Corporation3,1282,420$600m0.6%0.4
6Bokf NA4,1782,256$398m32.1%0.6
7United Wholesale Mortgage2,9662,067$532m15.3%0.2
8Mortgage Research Center3,5281,885$474m21.9%-0.0
9Gateway First Bank1,8651,305$281m5.0%0.5
10Flat Branch Mortgage, Inc.1,6441,280$289m1.9%0.4
11Stride Bank, National Association1,5701,248$337m2.6%0.3
12Great Plains National Bank1,4431,185$275m4.7%0.5
13Tinker Federal Credit Union2,0571,083$105m27.3%1.3
14Lendlo Mortgage, LLC1,3001,050$179m1.9%0.1
15TTCU Federal Credit Union1,516925$105m22.2%0.2
1621st Mortgage4,508906$104m68.1%4.0
17Navy Federal Credit Union1,763826$157m30.3%-0.0
18Pennymac Loan Services LLC1,577804$200m18.1%0.1
19Cornerstone Capital Bank, Ssb985795$206m1.8%0.4
20MidFirst Bank1,157748$212m27.5%-0.3
21WEOKIE Federal Credit Union1,122718$69m11.6%1.0
22Guild Mortgage Company980680$139m7.6%0.6
23Luminate Home Loans, Inc.879620$160m2.8%0.7
24Freedom Mortgage Corporation1,577617$154m20.8%0.2
25Armstrong Bank812565$85m9.0%-0.0
26Firstar Bank607518$103m3.5%0.1
27Communication Federal Credit Union830513$66m14.4%1.5
28Bank of America NA1,318510$91m49.2%0.5
29Sovereign Bank573507$149m2.8%0.3
30New American Funding, LLC.1,379504$107m22.9%1.0
31The Central Trust Bank659504$137m6.1%0.3
32JPMorgan Chase Bank, NA817502$137m14.0%0.2
33The Mortgage Link, Inc.595468$108m0.8%0.6
34Rcb Bank664465$90m11.9%-0.2
35Newrez LLC1,095461$96m31.0%0.6
36Nationstar Mortgage715453$74m21.0%1.2
37Discover Bank2,474450$33m73.7%2.5
38Financial Concpepts Mortgage497449$108m0.9%0.4
39MLD MORTGAGE, INC.dba The Money Store559448$119m0.2%0.2
40Guaranteed Rate, Inc.685439$105m9.0%0.3
41DHI Mortgage Company, LTD.602434$114m9.5%-1.0
42Loandepot.com, LLC1,002432$84m45.8%0.5
43American Mortgage Bank, LLC657430$84m8.0%0.6
44Figure Lending LLC734377$21m25.5%4.2
45Valor Bank476376$105m1.5%—
46Waterstone Mortgage Corporation511364$88m3.1%0.4
47F&M Bank439355$86m3.4%0.2
48American Bank of Oklahoma423339$71m5.8%0.1
49Westreet Federal Credit Union702310$42m30.6%0.9
50Crosscountry Mortgage, LLC597308$87m6.0%0.5
51Vanderbilt Mortgage and Finance, Inc2,800301$36m79.0%3.5
52United Fidelity Funding Corp345298$69m0.0%0.8
53Union Home Mortgage Corp.400295$82m5.9%0.5
54Usaa Bank578293$79m28.7%-0.1
55CMG Mortgage Inc406292$77m3.9%0.3
56Us Bank, N.A.854284$57m61.3%1.1
57Triad Financial Services, Inc.2,602280$31m55.3%2.7
58First Bank and Trust Co372277$44m14.8%—
59Mortgage Solutions of Colorado422261$60m6.9%0.7
60Kiavi Funding, Inc.331259$36m11.8%—

Top 60 of 300 lenders with at least 25 applications in the state, by originations. 172 lenders have 100 or more applications here and link to a state-specific page.

Compared with the nation

MeasureOklahomaUnited States
Denial rate23.4%24.3%
Median rate spread, pp0.50.3
Originations with spread of 1.5 pp or more17.5%15.6%
Average originated loan$223k$329k
Originations per 1,000 households46.648.0
Home purchase share of originations63.6%57.0%
FHA-insured share17.1%13.4%
VA-guaranteed share11.9%7.9%

Trend, 2018–2024

ApplicationsOriginations

0100,323200,6462018: 124,277 Applications2019: 137,236 Applications2020: 188,496 Applications2021: 200,646 Applications2022: 150,604 Applications2023: 119,315 Applications2024: 127,869 Applications2018: 76,334 Originations2019: 84,866 Originations2020: 118,909 Originations2021: 124,308 Originations2022: 87,042 Originations2023: 67,474 Originations2024: 72,817 Originations2018201920202021202220232024
Applications and originations in Oklahoma by year

OklahomaUnited States

0%12.7%25.3%2018: 23.3% Oklahoma2019: 21.5% Oklahoma2020: 17.1% Oklahoma2021: 17.8% Oklahoma2022: 22.4% Oklahoma2023: 24.1% Oklahoma2024: 23.4% Oklahoma2018201920202021202220232024
Denial rate by year, US dashed

FHA share of originationsVA share

0%8.9%17.9%2018: 17.9% FHA share of originations2019: 17% FHA share of originations2020: 14.7% FHA share of originations2021: 14.6% FHA share of originations2022: 13.7% FHA share of originations2023: 15.8% FHA share of originations2024: 17.1% FHA share of originations2018: 10.2% VA share2019: 11.9% VA share2020: 13.8% VA share2021: 13.2% VA share2022: 10.9% VA share2023: 10.1% VA share2024: 11.9% VA share2018201920202021202220232024
FHA-insured and VA-guaranteed shares of originations in Oklahoma by year
YearApplicationsOriginationsAmountDenial rateFHAVARefinance share
2018124,27776,334$13bn23.3%17.9%10.2%24.9%
2019137,23684,866$15bn21.5%17.0%11.9%27.9%
2020188,496118,909$24bn17.1%14.7%13.8%46.1%
2021200,646124,308$26bn17.8%14.6%13.2%45.0%
2022150,60487,042$20bn22.4%13.7%10.9%26.0%
2023119,31567,474$14bn24.1%15.8%10.1%16.9%
2024127,86972,817$16bn23.4%17.1%11.9%20.9%

Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).

Loan purpose and loan type, 2024

By purpose

Home purchase 64% (46,339)Home improvement 8% (5,790)Refinancing 11% (7,925)Cash-out refinancing 10% (7,291)Other purpose 8% (5,465)

By type

Conventional 69% (50,543)FHA 17% (12,463)VA 12% (8,679)USDA 2% (1,132)

Counties

CountyApplicationsOriginationsPer 1,000 householdsDenial rateMedian spreadLenders
Oklahoma County25,01615,15146.219.9%0.4145
Tulsa County20,73412,17744.721.1%0.4104
Cleveland County9,3875,56547.621.1%0.577
Canadian County8,0745,16888.818.1%0.367
Wagoner County4,0902,48379.120.0%0.441
Comanche County3,8102,28250.819.4%0.233
Rogers County3,7582,17459.322.3%0.440
Pottawatomie County2,6581,46354.324.3%0.620
Logan County2,4981,38977.923.3%0.431
Creek County2,6771,35147.829.5%0.627
Grady County2,3461,32764.123.6%0.527
McClain County2,1291,22074.321.7%0.522
Payne County1,7781,13134.719.1%0.413
Muskogee County2,0111,05841.127.6%0.518
Garfield County1,49595139.818.2%0.617
Washington County1,66394345.024.1%0.515
Bryan County1,68591649.827.5%0.612
Stephens County1,33881146.222.8%0.79
Osage County1,59579145.529.8%0.619
Delaware County1,51775143.830.3%0.613
Carter County1,44573538.630.1%0.613
Cherokee County1,37573539.326.1%0.513
Lincoln County1,33769853.129.3%0.611
Mayes County1,39266143.231.4%0.616
Sequoyah County1,18665442.323.2%0.410
Pittsburg County1,24364336.029.0%0.512
Okmulgee County1,36963644.631.7%0.711
Kay County1,01361136.422.3%0.69
Le Flore County1,15257331.831.8%0.510
Pontotoc County1,00051033.729.7%0.67
McCurtain County93345941.231.5%0.87
Jackson County68439140.020.2%0.35
Ottawa County70738932.624.2%0.74
McIntosh County78038449.330.0%0.79
Marshall County69438364.024.5%0.86
Garvin County70232732.334.4%0.84
Seminole County64930835.133.2%0.76
Custer County48128926.221.0%0.63
Kingfisher County43224943.823.6%0.62
Caddo County51623826.335.1%0.75
Pawnee County52623438.335.7%0.83
Texas County36623033.720.1%0.53
Beckham County41822227.129.3%0.75
Murray County42321844.029.7%0.74
Adair County46621530.132.4%0.75
Woodward County36719124.128.1%0.63
Craig County27814628.126.1%0.61
Love County37514537.244.6%0.93
Noble County26614033.824.6%0.41
Okfuskee County27313533.732.9%0.62
Nowata County28112935.030.8%0.71
Atoka County28012525.137.9%0.91
Hughes County29512531.040.0%0.92
Johnston County26311629.833.3%0.72
Washita County20710725.929.1%0.60
Kiowa County17310630.817.2%0.81
Choctaw County27910417.642.8%0.72
Haskell County22910222.337.5%0.51
Tillman County1638933.426.7%1.01
Greer County1388744.725.6%0.60
Pushmataha County1818619.433.8%0.61
Jefferson County1787735.639.7%0.71
Latimer County1817419.035.9%0.51
Major County1287423.326.9%0.80
Cotton County1257335.825.0%0.71
Blaine County1436619.537.4%0.80
Woods County1106016.727.5%0.60
Beaver County1054124.538.9%0.50
Coal County803818.535.9%1.30
Grant County893823.644.9%1.00
Dewey County803320.237.9%1.30
Alfalfa County712814.445.5%—0
Ellis County622617.639.2%0.40
Roger Mills County451712.038.7%—0
Harper County331511.329.6%—0
Harmon County241414.5——0
Cimarron County1022.8——0

By originations. Lenders: those with at least 25 applications in the county.

VA-guaranteed loans by month

VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Oklahoma originations by year is charted above from HMDA.

Questions and answers

Which mortgage lenders are most active in Oklahoma?

By 2024 originations: First United Bank and Trust Co (3,921), Rocket Mortgage (3,863), Bancfirst (3,689), Arvest Bank (3,354), Associated Mortgage Corporation (2,420). 300 lenders had at least 25 applications in the state.

What is the mortgage denial rate in Oklahoma?

23.4% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

How has mortgage lending in Oklahoma changed since 2018?

Originations went from 76,334 in 2018 to 72,817 in 2024; the denial rate moved from 23.3% to 23.4%.

Where does this data come from?

From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.