Home Mortgage Alliance Corporation (HMAC) in Oklahoma vs the state
14.3%Denial rate-3.63 pts vs state
22.2%Decision denial rate-0.65 pts vs state
50.0%Origination rate-6.10 pts vs state
7.63%Median rate+1.00 pts vs state
1.46Rate spread (pts)+1.11 pts vs state
$142kMedian applicant income
7Loans originated
2Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 1 | 50.0% | 7.88% | #385 |
| 2024 | 6 | 3 | 0.0% | 9.75% | #442 |
| 2025 | 14 | 7 | 14.3% | 7.63% | #362 |
What Home Mortgage Alliance Corporation (HMAC) lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 6 | 3 | 0 | 0.0% |
| Carter County | 2 | 2 | 0 | 0.0% |
| Tulsa County | 2 | 1 | 0 | 0.0% |
| Woodward County | 2 | 0 | 1 | 50.0% |
| Woods County | 1 | 1 | 0 | 0.0% |
| Canadian County | 1 | 0 | 1 | 100.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 14 applications in 2025, of which 7 were originated and 2 denied.
14.3% of all applications, or 22.2% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Oklahoma in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'s own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology