Oklahoma mortgages and home buyers, 2025
Incomes, down payments, rates, loan costs, denials and lenders across Oklahoma's 77 counties, from official HMDA records.
HMDA 2025 data released June 23, 2026
In 2025, lenders reported 35,471 home-purchase mortgages for owner-occupied, single-family homes in Oklahoma. The median buyer borrowed $235,000 on a home valued at $265,000 and reported a household income of $93,000.
Buyers financed a median 95% of the home's value (roughly 5% down), paid a median 6.625% on 30-year fixed conventional loans and faced median conventional loan costs of $4,880.
Lenders denied 7.6% of completed home-purchase applications.
Key facts
- Home buyers' median income ($93,000) is 20% lower than the U.S. median ($116,000).
- Median conventional loan costs ($4,880) were 12% lower than the U.S. median ($5,570).
- FHA loans made up 29.9% of purchase mortgages, versus 21.1% nationally.
- VA loans were unusually common: 16.5% of purchase mortgages.
- 27.8% of buyers put at least 20% down (financed 80% or less), compared with 38.5% nationally.
- The most common age bracket among borrowers was 25–34 (33.4% of purchase loans).
- 54.5% of purchase mortgages had a single borrower with no co-applicant.
- The most-cited reason for denial was debt-to-income ratio (34.9% of denials with a stated reason).
The 2026 conforming limit is $832,750 for a one-unit home in every Oklahoma county. See every Oklahoma county's 2026 FHA and conforming loan limits.
Oklahoma counties compared
Click a column to sort. Medians shown with at least 30 loans.
| County | Purchase loans | Median loan | Buyer income | Down payment | 30-yr rate | Loan costs | Denial rate | FHA limit |
|---|---|---|---|---|---|---|---|---|
| Adair County | 66 | $185,000 | $77,000 | 5.0% | — | — | 12.0% | $541,287 |
| Alfalfa County | 15 | — | — | — | — | — | — | $541,287 |
| Atoka County | 43 | $185,000 | $92,000 | 5.0% | — | — | 16.4% | $541,287 |
| Beaver County | 20 | — | — | — | — | — | — | $541,287 |
| Beckham County | 136 | $175,000 | $94,000 | 3.5% | 6.875% | $4,420 | 9.2% | $541,287 |
| Blaine County | 47 | $165,000 | $74,000 | 3.5% | — | — | 9.6% | $541,287 |
| Bryan County | 338 | $225,000 | $88,000 | 5.0% | 6.625% | $5,060 | 8.2% | $541,287 |
| Caddo County | 108 | $165,000 | $79,000 | 3.5% | 6.750% | $4,320 | 10.3% | $541,287 |
| Canadian County | 2,884 | $265,000 | $97,000 | 5.0% | 6.625% | $4,700 | 8.1% | $541,287 |
| Carter County | 350 | $185,000 | $82,000 | 5.0% | 6.875% | $4,360 | 6.9% | $541,287 |
| Cherokee County | 263 | $225,000 | $88,000 | 5.0% | 6.625% | $4,660 | 6.9% | $541,287 |
| Choctaw County | 30 | $145,000 | $75,000 | — | — | — | 17.1% | $541,287 |
| Cimarron County | 2 | — | — | — | — | — | — | $541,287 |
| Cleveland County | 2,771 | $245,000 | $98,000 | 5.0% | 6.625% | $4,730 | 6.1% | $541,287 |
| Coal County | 15 | — | — | — | — | — | — | $541,287 |
| Comanche County | 1,166 | $205,000 | $89,000 | 0.0% | 6.625% | $4,450 | 6.7% | $541,287 |
| Cotton County | 32 | $135,000 | $56,000 | — | — | — | 8.3% | $541,287 |
| Craig County | 59 | $185,000 | $86,000 | 3.5% | — | — | 9.7% | $541,287 |
| Creek County | 646 | $215,000 | $86,000 | 3.5% | 6.750% | $5,300 | 7.6% | $541,287 |
| Custer County | 155 | $205,000 | $92,000 | 5.0% | 6.625% | $4,170 | 4.5% | $541,287 |
| Delaware County | 234 | $245,000 | $101,000 | 10.0% | 6.750% | $4,790 | 9.5% | $541,287 |
| Dewey County | 11 | — | — | — | — | — | — | $541,287 |
| Ellis County | 13 | — | — | — | — | — | — | $541,287 |
| Garfield County | 511 | $185,000 | $83,000 | 3.5% | 6.750% | $4,300 | 6.2% | $541,287 |
| Garvin County | 146 | $165,000 | $75,000 | 3.5% | 6.875% | $4,650 | 14.0% | $541,287 |
| Grady County | 682 | $255,000 | $102,000 | 3.8% | 6.750% | $4,880 | 12.4% | $541,287 |
| Grant County | 26 | — | — | — | — | — | 20.6% | $541,287 |
| Greer County | 22 | — | — | — | — | — | — | $541,287 |
| Harmon County | 9 | — | — | — | — | — | — | $541,287 |
| Harper County | 7 | — | — | — | — | — | — | $541,287 |
| Haskell County | 53 | $165,000 | $78,000 | 3.5% | — | — | 1.8% | $541,287 |
| Hughes County | 47 | $145,000 | $74,000 | 5.0% | — | — | 19.4% | $541,287 |
| Jackson County | 214 | $205,000 | $95,000 | 3.5% | 6.750% | $4,570 | 8.8% | $541,287 |
| Jefferson County | 26 | — | — | — | — | — | 15.6% | $541,287 |
| Johnston County | 31 | $165,000 | $76,000 | — | — | — | 2.9% | $541,287 |
| Kay County | 291 | $145,000 | $72,000 | 5.0% | 6.625% | $4,100 | 5.5% | $541,287 |
| Kingfisher County | 127 | $235,000 | $92,000 | 5.0% | 6.625% | $4,370 | 7.7% | $541,287 |
| Kiowa County | 46 | $125,000 | $79,000 | 3.5% | — | — | 11.1% | $541,287 |
| Latimer County | 32 | $135,000 | $83,000 | — | — | — | 5.7% | $541,287 |
| Le Flore County | 263 | $185,000 | $78,000 | 3.5% | 6.750% | $4,260 | 12.7% | $541,287 |
| Lincoln County | 265 | $225,000 | $89,000 | 5.0% | 6.625% | $4,470 | 10.5% | $541,287 |
| Logan County | 775 | $295,000 | $113,000 | 5.0% | 6.625% | $4,930 | 7.1% | $541,287 |
| Love County | 47 | $205,000 | $83,000 | 5.0% | — | — | 22.2% | $541,287 |
| McClain County | 650 | $275,000 | $107,000 | 3.8% | 6.625% | $4,880 | 6.7% | $541,287 |
| McCurtain County | 77 | $165,000 | $82,000 | 3.5% | — | — | 21.1% | $541,287 |
| McIntosh County | 98 | $205,000 | $87,000 | 6.8% | 6.625% | $5,300 | 10.4% | $541,287 |
| Major County | 35 | $145,000 | $86,000 | 3.5% | — | — | 5.3% | $541,287 |
| Marshall County | 94 | $205,000 | $88,000 | 10.0% | 6.625% | $4,230 | 4.9% | $541,287 |
| Mayes County | 280 | $205,000 | $80,000 | 3.9% | 6.625% | $5,110 | 9.3% | $541,287 |
| Murray County | 100 | $205,000 | $96,000 | 3.5% | 6.500% | $4,170 | 9.7% | $541,287 |
| Muskogee County | 468 | $185,000 | $75,000 | 3.5% | 6.625% | $4,570 | 9.2% | $541,287 |
| Noble County | 62 | $195,000 | $88,000 | 3.5% | — | — | 8.7% | $541,287 |
| Nowata County | 34 | $155,000 | $72,000 | — | — | — | 10.3% | $541,287 |
| Okfuskee County | 50 | $185,000 | $84,000 | 5.0% | — | — | 9.8% | $541,287 |
| Oklahoma County | 7,399 | $245,000 | $97,000 | 5.0% | 6.625% | $4,670 | 7.8% | $541,287 |
| Okmulgee County | 224 | $185,000 | $81,000 | 3.5% | 6.625% | $5,580 | 10.9% | $541,287 |
| Osage County | 310 | $245,000 | $94,000 | 5.0% | 6.625% | $5,320 | 9.1% | $541,287 |
| Ottawa County | 148 | $165,000 | $69,000 | 3.5% | — | $4,000 | 10.9% | $541,287 |
| Pawnee County | 102 | $195,000 | $79,000 | 3.5% | 6.750% | $4,660 | 8.5% | $541,287 |
| Payne County | 553 | $235,000 | $111,000 | 5.0% | 6.750% | $4,550 | 7.7% | $541,287 |
| Pittsburg County | 243 | $165,000 | $82,000 | 3.6% | 6.750% | $4,790 | 15.3% | $541,287 |
| Pontotoc County | 291 | $215,000 | $92,000 | 3.5% | 6.750% | $3,850 | 8.4% | $541,287 |
| Pottawatomie County | 657 | $215,000 | $86,000 | 3.5% | 6.750% | $4,370 | 8.3% | $541,287 |
| Pushmataha County | 37 | $195,000 | $86,000 | — | — | — | 11.4% | $541,287 |
| Roger Mills County | 6 | — | — | — | — | — | — | $541,287 |
| Rogers County | 1,067 | $265,000 | $101,000 | 5.0% | 6.625% | $5,360 | 5.6% | $541,287 |
| Seminole County | 119 | $175,000 | $80,000 | 3.5% | 6.875% | $4,810 | 13.8% | $541,287 |
| Sequoyah County | 275 | $175,000 | $73,000 | 3.5% | 6.625% | $4,290 | 8.1% | $541,287 |
| Stephens County | 298 | $165,000 | $82,000 | 5.0% | 6.625% | $3,640 | 9.9% | $541,287 |
| Texas County | 118 | $185,000 | $77,000 | 3.5% | 6.500% | $6,140 | 8.3% | $541,287 |
| Tillman County | 17 | — | — | — | — | — | — | $541,287 |
| Tulsa County | 6,435 | $255,000 | $95,000 | 5.0% | 6.625% | $5,400 | 5.2% | $541,287 |
| Wagoner County | 1,462 | $265,000 | $95,000 | 3.5% | 6.500% | $5,370 | 5.3% | $541,287 |
| Washington County | 480 | $195,000 | $80,000 | 5.0% | 6.625% | $4,330 | 5.5% | $541,287 |
| Washita County | 53 | $135,000 | $80,000 | 5.0% | — | — | 15.2% | $541,287 |
| Woods County | 35 | $135,000 | $67,000 | 3.5% | — | — | 7.7% | $541,287 |
| Woodward County | 113 | $175,000 | $87,000 | 5.0% | 6.500% | $3,920 | 10.6% | $541,287 |
Who bought homes in Oklahoma
Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.
Values are medians; "middle half" is the 25th to 75th percentile.
Loan type
What the homes were for
All first-lien, closed-end purchase mortgages, including second homes and investors.
Borrower age
Debt-to-income ratio
Monthly debts (including the new payment) as a share of income, as used in underwriting.
What borrowing cost in Oklahoma
Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.
| Measure | Oklahoma | U.S. |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.21 pts | +0.13 pts |
| Total loan costs · conventional | $4,880 | $5,570 |
| Total loan costs · FHA | $9,050 | $11,310 |
| Total loan costs · VA | $5,340 | $6,490 |
| Origination charges (all loan types) | $1,670 | $1,860 |
| Borrowers paying discount points | 51.4% | 51.3% |
| Points paid, when paid (% of loan) | 0.75% | 0.87% |
| Borrowers receiving lender credits | 36.4% | 33.1% |
| Adjustable-rate mortgages | 4.1% | 7.4% |
| Jumbo loans (above conforming limit) | 1.0% | 3.8% |
Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.
Approvals and denials
Oklahoma: 3,006 of 39,749 completed home-purchase applications were denied (7.6%).
Denial rate
| Application | Oklahoma | U.S. |
|---|---|---|
| Home purchase | 7.6% | 8.5% |
| Conventional | 6.8% | 7.1% |
| FHA | 8.3% | 12.5% |
| VA | 7.9% | 8.0% |
| USDA | 10.5% | 12.5% |
| Refinance | 21.1% | 17.9% |
| Cash-out refinance | 40.4% | 33.6% |
Main reason for purchase denials
First reason the lender reported.
Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.
Refinancing in Oklahoma
Top mortgage lenders in Oklahoma
| # | Lender | Loans | Share | Denial rate | 30-yr rate* | Spread* | Costs* |
|---|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 3,128 | 6.6% | 15.9% | 6.750% | +0.34 | $5,480 |
| 2 | First United Bank and Trust Company | 2,598 | 5.5% | 4.6% | 6.750% | +0.32 | $5,130 |
| 3 | Associated Mortgage Corporation | 2,302 | 4.8% | 0.7% | 6.625% | +0.26 | $5,140 |
| 4 | United Wholesale Mortgage (UWM) | 2,121 | 4.5% | 7.4% | 6.625% | +0.22 | $5,800 |
| 5 | Veterans United Home Loans | 1,809 | 3.8% | 8.8% | 6.750% | +0.25 | $2,270 |
| 6 | Arvest Bank | 1,636 | 3.4% | 5.7% | 6.750% | +0.25 | $4,870 |
| 7 | Flat Branch Mortgage, Inc. | 1,303 | 2.7% | 1.6% | 6.500% | +0.21 | $4,830 |
| 8 | Great Plains National Bank | 1,254 | 2.6% | 2.2% | 6.625% | +0.25 | $4,970 |
| 9 | Stride Bank, N.A. | 1,236 | 2.6% | 2.3% | 6.375% | +0.03 | $5,080 |
| 10 | Gateway First Bank | 1,196 | 2.5% | 2.2% | 6.625% | +0.18 | $4,770 |
| 11 | Bokf, N.A. | 1,178 | 2.5% | 5.5% | 6.625% | +0.22 | $5,300 |
| 12 | BancFirst | 1,158 | 2.4% | 7.5% | 6.625% | +0.30 | $3,850 |
| 13 | Freedom Mortgage Corporation | 823 | 1.7% | 10.3% | — | — | — |
| 14 | Pennymac Loan Services, LLC | 748 | 1.6% | 13.6% | 6.624% | +0.16 | $4,960 |
| 15 | The Mortgage Link, Inc. | 635 | 1.3% | 0.3% | 6.500% | +0.33 | $10,490 |
| 16 | DHI Mortgage Company, Ltd. | 634 | 1.3% | 13.1% | 5.500% | −1.18 | $2,560 |
| 17 | Guild Mortgage Company | 628 | 1.3% | 6.2% | 6.625% | +0.36 | $5,600 |
| 18 | MLD Mortgage Inc. | 580 | 1.2% | 1.0% | 6.625% | +0.13 | $4,530 |
| 19 | Financial Concepts Mortgage, LLC | 506 | 1.1% | 1.4% | 6.750% | +0.11 | — |
| 20 | Navy Federal Credit Union | 482 | 1.0% | 10.1% | 6.750% | +0.01 | $3,190 |
| 21 | Lennar Mortgage, LLC | 468 | 1.0% | 14.2% | 5.250% | −0.82 | $4,460 |
| 22 | Waterstone Mortgage Corporation | 460 | 1.0% | 1.2% | 6.625% | +0.32 | $6,960 |
| 23 | JPMorgan Chase Bank, N.A. | 450 | 0.9% | 11.1% | 6.490% | −0.02 | $3,290 |
| 24 | Newrez LLC | 427 | 0.9% | 8.9% | 6.875% | +0.40 | $5,210 |
| 25 | loanDepot.com, LLC | 370 | 0.8% | 47.1% | 6.375% | +0.03 | $6,270 |
Largest lenders in Oklahoma by 2025 originations. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).
Metro areas in Oklahoma
- Oklahoma City, OK · 15,432 purchases
- Tulsa, OK · 10,246 purchases
- Fort Smith, AR-OK · 1,763 purchases
- Lawton, OK · 1,198 purchases
- Enid, OK · 511 purchases
Source: FFIEC/CFPB HMDA 2025 public LAR; FHFA and HUD 2026 loan limits. Methodology