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MARKET BENCHMARKS · HMDA PUBLIC DATA

Oklahoma mortgage market benchmarks

Oklahoma origination trends 2018–2025 from HMDA public data: volume, denial rates, and purchase vs refinance mix. Free and open — no account required.

Originations 2025

79,051

+9.5% vs 2024

2024: 72,214

Volume 2025

$18.62B

originated $
2024: $16.12B

Denial rate 2025

17.9%

denied / actioned
2024: 18.7% denied / actioned

Reporting lenders 2025

838

HMDA reporters
2024: 805 reporters

Origination volume by year

Dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS
$0$12.5B$25B$37.5B$50B20182019202020212022202320242025$18.62B

Loan purpose mix

Share of 2025 originations

Denial rate by year

Denials / actioned applications (CFPB convention)

0.0%11.3%22.6%2018201920202021202220232024202517.9%

Oklahoma market by year

YEARLENDERSAPPLICATIONSORIGINATIONSVOLUMEDENIALPURCHASEREFI
2025838141,54979,051$18.62B2025 origination volume79,051 loans originated17.9%2025 denial rate141,549 applications actioned59.8%37.6%
2024805127,18972,214$16.12B2024 origination volume72,214 loans originated18.7%2024 denial rate127,189 applications actioned63.8%30.9%
2023864119,30267,442$14.28B2023 origination volume67,442 loans originated19.1%2023 denial rate119,302 applications actioned66.7%25.7%
2022859151,03587,047$19.76B2022 origination volume87,047 loans originated17.7%2022 denial rate151,035 applications actioned62.6%39.7%
2021829200,779124,016$26.03B2021 origination volume124,016 loans originated14.0%2021 denial rate200,779 applications actioned50.3%58.7%
2020760190,749120,740$24.33B2020 origination volume120,740 loans originated13.6%2020 denial rate190,749 applications actioned49.4%56.4%
2019754136,76584,441$15.26B2019 origination volume84,441 loans originated17.8%2019 denial rate136,765 applications actioned63.3%38.3%
2018722124,46976,348$12.54B2018 origination volume76,348 loans originated19.7%2018 denial rate124,469 applications actioned65.6%35.9%

Attribution & methodology. Benchmarks are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data files published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), covering activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); loan amounts are the public files' midpoint-rounded values. MortRadar's aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

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