Mortgage Approval and Denial Rates in Oklahoma (2025 HMDA)
Mortgage denial rates in Oklahoma: lenders acted on 139,654 mortgage applications in Oklahoma in 2025 and denied 17.7% of them, down from 18.5% in 2024. The national denial rate was 17.7%.
Applications acted on
139,654
Loans originated
78,683
Denial rate
17.7%
Median loan
$165,000
Oklahoma against the national picture
Most-reported denial reason in Oklahoma: Credit history.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Hughes County | 298 | 31.9% | $120,000 |
| Choctaw County | 335 | 29.9% | $125,000 |
| Caddo County | 581 | 29.3% | $125,000 |
| Grant County | 104 | 28.8% | $125,000 |
| Garvin County | 844 | 28.6% | $115,000 |
| Atoka County | 326 | 28.2% | $135,000 |
| Tillman County | 148 | 27.7% | $85,000 |
| Pawnee County | 663 | 27.5% | $135,000 |
| Latimer County | 217 | 27.2% | $135,000 |
| Nowata County | 293 | 27.0% | $125,000 |
| Blaine County | 180 | 26.7% | $125,000 |
| Adair County | 577 | 26.3% | $125,000 |
| Love County | 347 | 26.2% | $155,000 |
| Pushmataha County | 215 | 26.0% | $155,000 |
| Haskell County | 274 | 25.9% | $145,000 |
| Jefferson County | 159 | 25.8% | $115,000 |
| Seminole County | 736 | 25.3% | $125,000 |
| Woodward County | 410 | 24.6% | $135,000 |
| Coal County | 122 | 24.6% | $115,000 |
| Craig County | 391 | 24.3% | $125,000 |
| Johnston County | 286 | 24.1% | $120,000 |
| Noble County | 294 | 23.8% | $135,000 |
| McCurtain County | 1,055 | 23.5% | $285,000 |
| Okmulgee County | 1,385 | 22.7% | $135,000 |
| Le Flore County | 1,352 | 22.6% | $135,000 |
| Pittsburg County | 1,452 | 22.5% | $145,000 |
| Beckham County | 480 | 22.5% | $145,000 |
| Mayes County | 1,474 | 22.3% | $155,000 |
| Major County | 135 | 22.2% | $125,000 |
| Washita County | 249 | 22.1% | $125,000 |
| Osage County | 1,679 | 22.0% | $155,000 |
| Sequoyah County | 1,435 | 21.9% | $135,000 |
| Lincoln County | 1,471 | 21.8% | $145,000 |
| Pottawatomie County | 2,972 | 21.7% | $145,000 |
| Murray County | 462 | 21.4% | $145,000 |
| Greer County | 117 | 21.4% | $115,000 |
| Creek County | 3,002 | 20.8% | $165,000 |
| Delaware County | 1,623 | 20.8% | $175,000 |
| Marshall County | 820 | 20.7% | $155,000 |
| McIntosh County | 775 | 20.4% | $145,000 |
| Kiowa County | 214 | 20.1% | $105,000 |
| Muskogee County | 2,178 | 19.9% | $135,000 |
| Cotton County | 172 | 19.8% | $110,000 |
| Carter County | 1,698 | 19.7% | $135,000 |
| Okfuskee County | 335 | 19.7% | $125,000 |
| Logan County | 2,789 | 19.5% | $205,000 |
| Cherokee County | 1,513 | 19.4% | $145,000 |
| Grady County | 2,767 | 19.0% | $175,000 |
| McClain County | 2,458 | 19.0% | $205,000 |
| Ottawa County | 718 | 18.9% | $125,000 |
| Woods County | 127 | 18.9% | $125,000 |
| Bryan County | 1,795 | 18.6% | $155,000 |
| Jackson County | 759 | 18.4% | $155,000 |
| Kingfisher County | 490 | 18.4% | $165,000 |
| Pontotoc County | 1,187 | 18.2% | $145,000 |
| Washington County | 1,734 | 17.6% | $145,000 |
| Custer County | 529 | 17.2% | $155,000 |
| Kay County | 1,085 | 16.9% | $105,000 |
| Cleveland County | 10,456 | 16.8% | $185,000 |
| Stephens County | 1,401 | 16.6% | $115,000 |
| Texas County | 430 | 16.5% | $145,000 |
| Comanche County | 4,405 | 16.2% | $165,000 |
| Canadian County | 8,555 | 15.9% | $215,000 |
| Rogers County | 4,044 | 15.9% | $195,000 |
| Garfield County | 1,621 | 15.7% | $135,000 |
| Payne County | 2,023 | 15.6% | $175,000 |
| Oklahoma County | 26,866 | 15.5% | $175,000 |
| Tulsa County | 22,691 | 14.6% | $185,000 |
| Wagoner County | 4,463 | 13.7% | $215,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.