Lender in Oklahoma · HMDA 2025
Rate mortgages in Oklahoma
Rate's 2025 home-purchase and refinance lending in Oklahoma, compared with all lenders in the state.
Rate originated 226 owner-occupied single-family loans in Oklahoma from 252 completed applications.
Its median conventional purchase loan costs were $4,700 versus $4,880 for all Oklahoma lenders, at a median 30-year fixed rate of 6.575% (Oklahoma: 6.625%).
Loans in OK
226
of 252 applications
Denial rate
3.0%
Purchase · OK 7.6%
Rate spread
+0.21 pts
Conv. · OK +0.21 pts
Loan amount
$225,000
Purchase · OK $235,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 198 | 191 | 3.0% | 6.575% | +0.21 pts | $4,700 | $225,000 |
| Refinance | 24 | 19 | 20.8% | — | — | — | — |
| Cash-out refinance | 30 | 16 | 46.7% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Oklahoma counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Woods County | 3 | 5 | 11.4% |
| Custer County | 4 | 18 | 8.5% |
| Stephens County | 6 | 22 | 5.0% |
| Grady County | 7 | 21 | 2.3% |
| Caddo County | 7 | 6 | 3.7% |
| Cotton County | 10 | 2 | 3.3% |
| Beckham County | 11 | 3 | 1.7% |
| Woodward County | 14 | 2 | 1.3% |
| McClain County | 15 | 14 | 1.6% |
| Bryan County | 20 | 4 | 0.8% |
| Major County | 20 | 1 | 2.2% |
| Blaine County | 23 | 1 | 1.5% |
| Comanche County | 24 | 12 | 0.7% |
| Haskell County | 24 | 1 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology