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State markets/Oklahoma/Oklahoma County

COUNTY MORTGAGE MARKET · FIPS 40109

Oklahoma County, Oklahoma

Who lends in Oklahoma County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$4.24B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

16,093

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

15.5%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

493

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 493 lenders that originated in Oklahoma County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

148

unconcentrated

Top-5 lender share

17.5%

of originations

Purchase

69.6%

9,783 loans

Refinance

30.4%

4,264 loans

Origination trend

Annual mortgage origination volume and loan count in Oklahoma County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Oklahoma County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Oklahoma County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR OKLAHOMA COUNTY →

TOP TEN LENDERS IN OKLAHOMA COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

765$166.5M$166.5M originated in Oklahoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
569$150.0M$150.0M originated in Oklahoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
604$149.1M$149.1M originated in Oklahoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
706$140.3M$140.3M originated in Oklahoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
387$137.1M$137.1M originated in Oklahoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
411$134.6M$134.6M originated in Oklahoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1$125.0M$125.0M originated in Oklahoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
390$112.3M$112.3M originated in Oklahoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
365$107.4M$107.4M originated in Oklahoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
279$90.3M$90.3M originated in Oklahoma County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Oklahoma County

All 55 ZIP Code Tabulation Areas that touch Oklahoma County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
55 OF 55 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1111 of the 18 Oklahoma County tracts this ZIP area touches sit mostly inside it.55,20033.5%13,773——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 14 Oklahoma County tracts this ZIP area touches sit mostly inside it.40,91333.8%11,838——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 12 Oklahoma County tracts this ZIP area touches sit mostly inside it.36,39626.3%8,684——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 18 Oklahoma County tracts this ZIP area touches sit mostly inside it.34,95640.4%8,763——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1313 of the 20 Oklahoma County tracts this ZIP area touches sit mostly inside it.32,63848.9%7,571——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 18 Oklahoma County tracts this ZIP area touches sit mostly inside it.29,11278.7%4,800——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 11 Oklahoma County tracts this ZIP area touches sit mostly inside it.27,93652.7%5,759——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Oklahoma County tracts this ZIP area touches sit mostly inside it.26,49738.0%7,083——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 17 Oklahoma County tracts this ZIP area touches sit mostly inside it.25,73746.6%5,657——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1111 of the 17 Oklahoma County tracts this ZIP area touches sit mostly inside it.25,34877.1%4,829——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Oklahoma County tracts this ZIP area touches sit mostly inside it.24,64829.4%7,263——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 16 Oklahoma County tracts this ZIP area touches sit mostly inside it.24,39457.0%5,481——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 13 Oklahoma County tracts this ZIP area touches sit mostly inside it.23,69465.4%3,564——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Oklahoma County tracts this ZIP area touches sit mostly inside it.22,83564.7%3,991——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 12 Oklahoma County tracts this ZIP area touches sit mostly inside it.22,78934.8%5,079——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Oklahoma County tracts this ZIP area touches sit mostly inside it.21,96359.7%4,823——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Oklahoma County tracts this ZIP area touches sit mostly inside it.20,86839.1%5,278——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 14 Oklahoma County tracts this ZIP area touches sit mostly inside it.19,32440.3%5,512——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Oklahoma County tracts this ZIP area touches sit mostly inside it.18,76343.2%3,809——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 9 Oklahoma County tracts this ZIP area touches sit mostly inside it.17,77051.4%3,868——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Oklahoma County tracts this ZIP area touches sit mostly inside it.17,40676.1%2,554——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Oklahoma County tracts this ZIP area touches sit mostly inside it.16,93574.8%2,626——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Oklahoma County tracts this ZIP area touches sit mostly inside it.16,77354.2%3,541——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Oklahoma County tracts this ZIP area touches sit mostly inside it.14,65877.8%2,171——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Oklahoma County tracts this ZIP area touches sit mostly inside it.14,18864.2%2,422——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Oklahoma County tracts this ZIP area touches sit mostly inside it.12,76923.1%3,999——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Oklahoma County tracts this ZIP area touches sit mostly inside it.11,88089.4%2,940——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Oklahoma County tracts this ZIP area touches sit mostly inside it.11,78636.8%3,612——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 8 Oklahoma County tracts this ZIP area touches sit mostly inside it.10,72327.9%3,616——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 11 Oklahoma County tracts this ZIP area touches sit mostly inside it.10,55258.5%1,535——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 6 Oklahoma County tracts this ZIP area touches sit mostly inside it.9,34166.1%1,518——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Oklahoma County tracts this ZIP area touches sit mostly inside it.8,80218.8%2,707——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 17 Oklahoma County tracts this ZIP area touches sit mostly inside it.8,51623.7%2,973——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Oklahoma County tracts this ZIP area touches sit mostly inside it.7,61969.1%1,585——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Oklahoma County tracts this ZIP area touches sit mostly inside it.7,45549.6%1,877——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 9 Oklahoma County tracts this ZIP area touches sit mostly inside it.7,43864.6%1,667——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Oklahoma County tracts this ZIP area touches sit mostly inside it.6,85130.8%1,261——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Oklahoma County tracts this ZIP area touches sit mostly inside it.5,56629.6%1,595——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Oklahoma County tracts this ZIP area touches sit mostly inside it.5,15540.0%1,153——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 3 Oklahoma County tracts this ZIP area touches sit mostly inside it.5,04626.3%1,696——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 3 Oklahoma County tracts this ZIP area touches sit mostly inside it.4,96647.5%1,545——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 8 Oklahoma County tracts this ZIP area touches sit mostly inside it.4,89982.0%1,011——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Oklahoma County tracts this ZIP area touches sit mostly inside it.4,52361.8%791——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 4 Oklahoma County tracts this ZIP area touches sit mostly inside it.4,01722.4%1,019——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 4 Oklahoma County tracts this ZIP area touches sit mostly inside it.3,88978.9%1,119——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Oklahoma County tracts this ZIP area touches sit mostly inside it.3,51021.7%1,296——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
44 of the 5 Oklahoma County tracts this ZIP area touches sit mostly inside it.3,21144.0%253——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 6 Oklahoma County tracts this ZIP area touches sit mostly inside it.3,14942.6%254——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 5 Oklahoma County tracts this ZIP area touches sit mostly inside it.2,82549.3%113——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oklahoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oklahoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oklahoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oklahoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 2 tracts of Oklahoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Oklahoma County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

266 of Oklahoma County’s 266 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Oklahoma County

All 266 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

266 OF 266 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Moderate76.8%3,04043.8%OPEN →
Middle112.4%1,57033.7%OPEN →
Middle80.6%1,63952.6%OPEN →
Middle88.3%2,53853.0%OPEN →
Upper138.1%2,68123.7%OPEN →
Low42.0%1,95593.2%OPEN →
Low47.2%1,89886.7%OPEN →
Moderate74.8%2,26054.6%OPEN →
Upper140.4%1,53233.8%OPEN →
Low40.8%2,89254.9%OPEN →
Moderate58.5%83235.8%OPEN →
Middle82.5%1,10735.1%OPEN →
Low37.0%2,88692.4%OPEN →
—0.0%1,05587.7%OPEN →
Moderate69.6%1,91264.0%OPEN →
Upper189.1%1,49926.1%OPEN →
Upper135.8%2,62336.5%OPEN →
Middle106.5%2,79844.9%OPEN →
Moderate61.3%2,11249.7%OPEN →
Moderate57.9%2,69366.8%OPEN →
Moderate67.3%3,16660.9%OPEN →
Moderate59.6%2,90670.4%OPEN →
Upper141.8%1,59433.7%OPEN →
Upper158.2%2,63350.6%OPEN →
Moderate59.6%1,44576.4%OPEN →
Moderate54.5%3,78884.0%OPEN →
Low36.3%3,00178.5%OPEN →
Moderate61.8%2,20988.5%OPEN →
Low49.5%3,26686.0%OPEN →
Moderate51.1%3,49188.2%OPEN →
Moderate69.9%3,33386.2%OPEN →
Low45.3%98582.9%OPEN →
Moderate71.7%1,19870.9%OPEN →
Moderate50.0%3,32381.9%OPEN →
Low49.8%3,73481.7%OPEN →
—0.0%2,26984.1%OPEN →
Middle105.6%2,34746.8%OPEN →
Low44.5%1,57693.3%OPEN →
Low32.5%1,19494.4%OPEN →
Moderate69.5%3,22375.6%OPEN →
Low42.5%2,02175.0%OPEN →
Moderate57.2%3,06082.3%OPEN →
Low22.0%4,73182.2%OPEN →
Moderate65.3%2,80457.5%OPEN →
Moderate61.6%4,02765.3%OPEN →
Moderate55.3%2,97860.6%OPEN →
Moderate73.9%2,93858.4%OPEN →
Low47.8%4,60772.0%OPEN →
Middle103.7%2,28171.8%OPEN →
Middle90.5%3,21481.2%OPEN →
Moderate79.4%1,46288.6%OPEN →
Low35.1%3,51282.6%OPEN →
Moderate52.8%4,58981.7%OPEN →
Middle97.8%3,53057.8%OPEN →
Upper332.6%2,16714.3%OPEN →
Upper290.0%2,12721.3%OPEN →
Moderate78.7%4,81827.6%OPEN →
Upper143.1%2,87225.7%OPEN →
Moderate76.6%3,85046.4%OPEN →
Upper121.8%1,75827.2%OPEN →
Moderate58.3%3,14846.1%OPEN →
Moderate64.9%2,57546.9%OPEN →
Middle97.2%1,98338.4%OPEN →
Moderate67.9%3,38448.1%OPEN →
Middle101.6%3,18929.2%OPEN →
Middle91.5%1,03331.5%OPEN →
—0.0%1,23538.2%OPEN →
Moderate50.4%2,58356.1%OPEN →
Moderate72.8%4,00656.3%OPEN →
Middle97.1%2,43438.0%OPEN →
Middle85.4%2,67746.3%OPEN →
—0.0%3,63550.0%OPEN →
Upper138.9%3,20346.5%OPEN →
Moderate55.5%2,48072.8%OPEN →
Moderate64.5%4,25859.1%OPEN →
Moderate67.8%1,77435.9%OPEN →
Middle82.0%2,00138.2%OPEN →
Moderate65.5%3,26147.9%OPEN →
Moderate74.5%3,84857.6%OPEN →
Moderate73.5%2,49252.0%OPEN →
Middle92.8%6,13938.2%OPEN →
Middle80.5%3,28361.9%OPEN →
Middle97.8%2,10656.8%OPEN →
Middle94.5%1,79050.0%OPEN →
Moderate72.8%2,66350.3%OPEN →
Middle108.0%1,89350.2%OPEN →
Low31.0%3,19865.2%OPEN →
Moderate51.0%4,55668.2%OPEN →
Middle80.4%4,31163.7%OPEN →
Moderate57.3%2,48173.2%OPEN →
Low32.6%3,35980.5%OPEN →
Moderate60.0%5,91877.0%OPEN →
Moderate65.9%2,10861.6%OPEN →
—0.0%1,24370.3%OPEN →
Moderate52.7%2,03175.9%OPEN →
Low41.6%2,88071.3%OPEN →
Moderate62.6%4,55560.1%OPEN →
Middle90.3%2,19153.1%OPEN →
Moderate70.7%5,97956.8%OPEN →
Moderate66.8%4,91368.6%OPEN →
Middle87.1%3,18468.2%OPEN →
Low43.5%4,29374.7%OPEN →
Moderate63.2%3,09674.3%OPEN →
Moderate54.3%2,13479.1%OPEN →
Moderate55.1%3,10776.2%OPEN →
Moderate74.6%3,25780.2%OPEN →
Moderate55.2%3,84078.1%OPEN →
Moderate78.2%2,39569.0%OPEN →
Moderate75.2%1,86971.4%OPEN →
Moderate62.8%2,86774.1%OPEN →
Middle85.9%3,67653.5%OPEN →
Moderate63.7%2,97673.3%OPEN →
Moderate77.8%3,17869.7%OPEN →
Low47.7%2,97970.9%OPEN →
Moderate54.3%1,54444.1%OPEN →
—0.0%1,31267.2%OPEN →
Low41.5%3,73967.2%OPEN →
Middle109.2%5,99071.3%OPEN →
Middle89.0%3,37662.3%OPEN →
Moderate77.7%4,99753.9%OPEN →
Middle92.9%7,60053.2%OPEN →
Middle97.8%55333.1%OPEN →
Moderate51.9%2,14849.4%OPEN →
Moderate68.1%2,02542.9%OPEN →
Moderate66.5%2,15039.9%OPEN →
Middle80.4%3,99142.4%OPEN →
Middle112.0%3,64536.3%OPEN →
Moderate64.5%1,65748.5%OPEN →
Moderate70.0%1,99838.4%OPEN →
Moderate57.2%2,77046.7%OPEN →
Moderate76.7%1,28238.4%OPEN →
Middle80.9%3,60362.3%OPEN →
Moderate65.8%2,39541.8%OPEN →
Moderate64.8%2,58054.3%OPEN →
Moderate68.8%4,10145.9%OPEN →
Moderate58.0%2,86648.6%OPEN →
Middle84.1%1,93253.3%OPEN →
Middle82.8%1,73449.5%OPEN →
Moderate63.9%2,66045.5%OPEN →
Moderate57.4%1,60889.0%OPEN →
Low49.6%3,76572.2%OPEN →
Middle107.0%2,44968.2%OPEN →
Middle103.0%4,03948.3%OPEN →
Middle102.3%3,33040.4%OPEN →
Moderate63.4%4,27758.7%OPEN →
Moderate60.1%3,00358.0%OPEN →
Moderate58.0%3,12757.1%OPEN →
Moderate72.8%3,95979.4%OPEN →
Upper259.7%4,29824.0%OPEN →
Upper177.0%6,49419.9%OPEN →
Upper191.6%3,41616.6%OPEN →
Upper205.3%5,85218.8%OPEN →
Upper151.8%4,34324.1%OPEN →
Upper121.0%5,00131.3%OPEN →
Upper158.0%4,83730.5%OPEN →
Middle97.0%3,76327.9%OPEN →
Moderate70.6%3,24738.1%OPEN →
Middle82.2%2,91652.7%OPEN →
Low35.6%1,03146.4%OPEN →
Moderate59.5%3,83643.7%OPEN →
Middle102.5%4,74129.3%OPEN →
Middle101.2%3,15833.7%OPEN →
Middle111.2%4,07331.2%OPEN →
Upper236.1%1,89917.2%OPEN →
Upper210.9%5,22718.5%OPEN →
Upper203.0%3,50022.0%OPEN →
Upper140.6%3,25225.6%OPEN →
Middle106.2%2,54950.2%OPEN →
Upper203.9%2,27233.8%OPEN →
Upper190.8%1,98823.2%OPEN →
Upper128.3%3,41730.4%OPEN →
Middle114.0%2,47840.8%OPEN →
Upper205.3%2,35020.0%OPEN →
Upper158.9%3,22817.8%OPEN →
Upper149.8%4,32039.2%OPEN →
Upper170.9%5,08632.0%OPEN →
Upper143.3%2,62041.7%OPEN →
Middle118.9%2,02339.0%OPEN →
Upper175.5%3,15638.1%OPEN →
Middle109.2%2,17637.4%OPEN →
Moderate66.8%2,16272.3%OPEN →
Middle96.0%5,29340.4%OPEN →
Middle109.8%4,89426.9%OPEN →
Middle80.2%4,81159.5%OPEN →
Low45.0%2,27883.9%OPEN →
Moderate72.2%3,02668.3%OPEN →
Moderate63.8%2,91159.0%OPEN →
Upper127.0%3,91036.1%OPEN →
Upper136.4%5,74842.5%OPEN →
Middle82.0%3,94741.0%OPEN →
Middle115.0%3,49221.6%OPEN →
Moderate54.7%1,50065.3%OPEN →
Moderate53.8%4,14764.8%OPEN →
Upper142.1%4,27246.2%OPEN →
Upper237.3%1,98724.8%OPEN →
Upper121.7%5,62345.5%OPEN →
Moderate68.5%3,14942.6%OPEN →
Middle117.6%1,37321.8%OPEN →
Middle111.1%1,94628.2%OPEN →
Middle114.3%3,43033.8%OPEN →
Middle107.3%3,33327.7%OPEN →
Upper142.4%1,22720.7%OPEN →
Middle106.7%1,81740.8%OPEN →
Upper134.0%3,69940.5%OPEN →
Middle91.5%4,97252.5%OPEN →
Middle108.4%5,02933.4%OPEN →
Upper235.7%2,04823.5%OPEN →
Middle94.5%1,40861.1%OPEN →
Upper146.9%6,11845.0%OPEN →
Middle107.8%5,05638.0%OPEN →
Middle97.6%2,13546.9%OPEN →
Middle85.3%4,98649.4%OPEN →
Middle112.7%5,71642.0%OPEN →
Upper143.6%2,28540.9%OPEN →
Upper186.3%2,78127.6%OPEN →
Upper126.7%3,96344.1%OPEN →
Upper213.8%5,23729.9%OPEN →
Upper185.6%1,49322.0%OPEN →
Upper183.6%1,67621.7%OPEN →
Upper131.1%5,15538.0%OPEN →
Upper169.9%11,13234.1%OPEN →
Upper137.2%4,90732.8%OPEN →
Upper125.1%3,41225.7%OPEN →
Upper145.0%2,65635.3%OPEN →
Upper124.2%5,15540.0%OPEN →
Middle99.2%4,96647.5%OPEN →
Upper142.5%2,62529.8%OPEN →
Middle93.8%2,89432.1%OPEN →
Middle119.8%4,37737.0%OPEN →
Middle113.8%4,43122.4%OPEN →
Upper124.7%3,51021.7%OPEN →
Upper125.4%3,92530.5%OPEN →
Upper134.8%3,27521.0%OPEN →
Upper124.8%2,38828.6%OPEN →
Upper142.3%3,88224.9%OPEN →
Middle118.1%5,20825.9%OPEN →
Low38.8%94093.2%OPEN →
Middle116.4%2,98141.8%OPEN →
Moderate79.6%3,59036.4%OPEN →
Upper139.8%1,78727.3%OPEN →
Upper134.8%1,41433.2%OPEN →
Moderate75.0%3,71234.9%OPEN →
Middle115.2%2,13827.0%OPEN →
Middle85.6%4,69622.8%OPEN →
Upper121.6%3,64224.4%OPEN →
Middle98.9%2,90825.7%OPEN →
Upper243.5%4,01722.4%OPEN →
Upper256.8%2,44017.9%OPEN →
Upper257.0%2,71324.8%OPEN →
Middle87.2%2,04732.4%OPEN →
Upper220.4%1,77526.6%OPEN →
Low45.1%3,33787.5%OPEN →
—0.0%79340.6%OPEN →
Upper175.9%2,41845.1%OPEN →
Moderate73.8%68670.5%OPEN →
Middle93.9%1,56446.2%OPEN →
Low38.2%1,55267.3%OPEN →
—0.0%6155.7%OPEN →
—0.0%——OPEN →
—0.0%——OPEN →
—0.0%——OPEN →
—0.0%——OPEN →
—0.0%4443.2%OPEN →
Upper127.3%19230.7%OPEN →
—0.0%——OPEN →
—0.0%5867.2%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

806,199

Median household income

$66,679

Median home value

$222,900

Median gross rent

$1,116

per month

Owner-occupied

58.2%

of occupied units

Housing units

360,591

9.0% vacant

Poverty rate

16.0%

Unemployment

4.8%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively High

score 97.9

Social vulnerability

Relatively Moderate

Community resilience

Relatively Low

ELEVATED PERILS

Inland flooding Relatively High · Tornado Very High · Hail Very High · Heat wave Relatively High · Winter weather Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

103

Declarations recorded

51

Incident types on record: Biological, Fire, Flood, Human Cause, Hurricane, Severe Ice Storm, Severe Storm, Tornado.

Everything we hold on Oklahoma County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Oklahoma County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Oklahoma County →Every reported application and origination in FIPS 40109, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Oklahoma County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

1,567

—

Purchase share

53.0%

830 loans

IRRRL refinances

553

Cash-out refinances

184

20261,567—830553184
20251,635—1,031330274
20241,363—980129254
20231,378—1,08912277
2022——1,381438592
20213,986—1,4572,135394
20203,289—1,5231,423343
20191,908—1,418162328
20181,899—1,399150350
20172,229—1,304481444
20162,064—1,258459347
20151,951—1,221415315

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Oklahoma County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Oklahoma County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

4,945

+9.1% vs 2024

Multifamily · 2025

1,858

+13.8% vs 2024

Total authorized · 2025

6,803

+10.4% vs 2024

Permit valuation · 2025

$1.7B

authorized construction value

Units authorized by year

Oklahoma County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
02.5K5K7.5K10K19901992199419961998200020022004200620082010201220142016201820202022202420256,803 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Oklahoma County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

outflow2223Cleveland County, OK3,6426,645$189.4M
inflow2223Cleveland County, OK3,6246,277$181.2M
outflow2223Canadian County, OK3,1416,058$196.1M
inflow2223Canadian County, OK2,1593,868$133.2M
outflow2223Other flows - South, DS2,0353,847$145.7M
inflow2223Other flows - South, DS1,9703,544$107.8M
inflow2223Other flows - Midwest, DS1,1832,018$65.0M
outflow2223Other flows - Midwest, DS1,0231,828$62.6M
inflow2223Other flows - West, DS8811,711$54.1M
outflow2223Logan County, OK7621,547$59.8M
inflow2223Tulsa County, OK7411,221$42.9M
outflow2223Other flows - West, DS6841,233$42.5M
outflow2223Tulsa County, OK6811,146$37.8M
inflow2223Logan County, OK6541,231$43.1M
outflow2223Pottawatomie County, OK5001,006$26.9M
inflow2223Pottawatomie County, OK490888$23.9M
inflow2223Other flows - Northeast, DS450750$27.9M
outflow2223Dallas County, TX408603$29.3M
outflow2223Other flows - Northeast, DS370595$23.2M
inflow2223Payne County, OK341493$14.6M
inflow2223Dallas County, TX330552$22.1M
inflow2223Comanche County, OK329579$13.6M
outflow2223McClain County, OK319628$18.4M
inflow2223Tarrant County, TX287503$20.9M
outflow2223Tarrant County, TX278471$17.4M
outflow2223Lincoln County, OK276552$21.7M
outflow2223Grady County, OK272510$19.2M
inflow2223Grady County, OK245415$14.5M
inflow2223Los Angeles County, CA234459$14.9M
inflow2223Harris County, TX231407$17.7M
outflow2223Payne County, OK228317$10.4M
outflow2223Harris County, TX222367$20.2M
inflow2223McClain County, OK216383$10.8M
inflow2223Maricopa County, AZ204387$14.0M
inflow2223Lincoln County, OK200362$10.2M
inflow2223Denton County, TX188327$14.0M
inflow2223Collin County, TX187300$12.0M
outflow2223Denton County, TX178291$14.2M
outflow2223Comanche County, OK176306$6.2M
outflow2223Collin County, TX176312$18.6M
inflow2223Garfield County, OK176303$8.2M
outflow2223Maricopa County, AZ158263$11.5M
inflow2223Custer County, OK143222$5.2M
outflow2223Los Angeles County, CA139234$7.9M
inflow2223Sedgwick County, KS136242$6.5M
inflow2223Foreign - APO/FPO ZIPs, FR134277$7.8M
inflow2223San Diego County, CA127241$6.9M
inflow2223Bexar County, TX125229$7.7M
outflow2223Travis County, TX121169$9.7M
outflow2223Sedgwick County, KS120202$6.8M
outflow2223Garfield County, OK114202$4.1M
outflow2223Foreign - APO/FPO ZIPs, FR110198$7.0M
inflow2223Clark County, NV110197$6.2M
inflow2223Stephens County, OK103170$5.9M
outflow2223Bexar County, TX99176$6.1M
outflow2223Clark County, NV96176$5.4M
inflow2223Carter County, OK96152$5.1M
inflow2223Kingfisher County, OK96160$8.2M
inflow2223Travis County, TX96165$5.9M
outflow2223Denver County, CO92126$6.6M
outflow2223San Diego County, CA87164$5.9M
inflow2223Kay County, OK85148$3.3M
inflow2223Orange County, CA84135$6.4M
inflow2223El Paso County, CO84154$4.7M
outflow2223Cook County, IL83113$6.8M
inflow2223Pontotoc County, OK82129$4.5M
inflow2223San Bernardino County, CA82166$4.1M
outflow2223Foreign - Other flows, FR82133$6.8M
inflow2223Pittsburg County, OK81130$3.1M
outflow2223King County, WA79112$6.9M
outflow2223El Paso County, CO78141$4.7M
outflow2223Custer County, OK77139$2.9M
outflow2223McIntosh County, OK74144$5.4M
outflow2223Creek County, OK72152$5.1M
outflow2223Stephens County, OK70126$3.1M
outflow2223Kingfisher County, OK70145$4.6M
inflow2223Riverside County, CA70142$3.8M
outflow2223Jackson County, MO69105$4.5M
inflow2223Caddo County, OK68109$2.5M
inflow2223Rogers County, OK67119$3.1M
outflow2223Pontotoc County, OK66113$2.7M
inflow2223Denver County, CO6697$9.3M
inflow2223Seminole County, OK65109$2.0M
inflow2223Cook County, IL65104$8.6M
outflow2223Seminole County, OK63125$2.4M
outflow2223El Paso County, TX61125$2.4M
inflow2223Creek County, OK61100$2.1M
outflow2223Kay County, OK6083$1.9M
inflow2223Johnson County, KS6090$4.3M
inflow2223Washington County, OK60100$4.5M
inflow2223King County, WA6090$5.1M
outflow2223Muskogee County, OK60119$2.8M
outflow2223Carter County, OK60112$3.1M
outflow2223Rogers County, OK59110$3.4M
inflow2223Muskogee County, OK59110$2.0M
inflow2223Beckham County, OK59110$3.4M
inflow2223Woodward County, OK5991$2.4M
inflow2223El Paso County, TX59120$2.3M
inflow2223Jackson County, OK58106$2.8M
inflow2223Arapahoe County, CO56103$3.0M
inflow2223Wichita County, TX54106$2.5M
outflow2223Johnson County, KS5486$5.1M
outflow2223Williamson County, TX5379$4.4M
outflow2223Garvin County, OK5296$2.0M
outflow2223Arapahoe County, CO5191$3.5M
inflow2223Miami-Dade County, FL5198$2.5M
inflow2223Jackson County, MO5085$3.1M
outflow2223Pima County, AZ4982$3.4M
outflow2223Jefferson County, CO4983$4.9M
outflow2223Caddo County, OK4999$1.8M
outflow2223Pittsburg County, OK4991$2.8M
inflow2223Pima County, AZ4885$2.7M
inflow2223Texas County, OK4872$2.1M
outflow2223Montgomery County, TX48108$5.6M
outflow2223Davidson County, TN4857$4.1M
outflow2223Hillsborough County, FL4882$2.5M
inflow2223Hillsborough County, FL4887$3.1M
outflow2223Wagoner County, OK4767$2.9M
inflow2223Honolulu County, HI4786$2.2M
inflow2223Garvin County, OK4684$1.9M
inflow2223Montgomery County, TX4692$4.7M
inflow2223Broward County, FL4581$2.2M
inflow2223Wagoner County, OK4569$2.3M
inflow2223Sacramento County, CA4479$1.7M
inflow2223Bernalillo County, NM4482$3.1M
outflow2223Orange County, CA4471$3.6M
outflow2223Duval County, FL4486$3.1M
inflow2223Bryan County, OK4360$1.4M
inflow2223Williamson County, TX4378$3.4M
outflow2223Benton County, AR4372$2.4M
outflow2223Pulaski County, AR4380$2.0M
outflow2223New York County, NY4350$3.8M
outflow2223Fort Bend County, TX4385$4.2M
inflow2223Kern County, CA4393$2.1M
outflow2223Bryan County, OK4276$1.4M
outflow2223Bernalillo County, NM4268$2.7M
inflow2223Salt Lake County, UT4266$2.9M
inflow2223Bell County, TX4179$3.6M
inflow2223McIntosh County, OK4166$2.0M
inflow2223Jefferson County, CO4064$3.0M
inflow2223Fort Bend County, TX4089$4.4M
outflow2223Pierce County, WA4082$3.7M
inflow2223Benton County, AR4064$2.4M
inflow2223Adams County, CO4081$2.0M
outflow2223Okmulgee County, OK3860$1.2M
outflow2223Salt Lake County, UT3856$2.5M
inflow2223Washington County, AR3872$2.0M
outflow2223San Bernardino County, CA3860$1.3M
outflow2223Washington County, AR3857$1.3M
inflow2223Kings County, NY3769$2.9M
inflow2223Delaware County, OK3747$1.8M
inflow2223Pulaski County, AR3759$1.5M
outflow2223Snohomish County, WA3766$3.1M
outflow2223Wichita County, TX3773$1.4M
outflow2223Bell County, TX3759$2.0M
outflow2223Orange County, FL3665$1.6M
outflow2223Miami-Dade County, FL3658$2.4M
outflow2223Anchorage Municipality, AK3661$2.0M
inflow2223Duval County, FL3673$1.5M
inflow2223Cherokee County, OK3653$1.2M
outflow2223Cherokee County, OK3653$1.3M
outflow2223Jackson County, OK3464$1.1M
inflow2223Randall County, TX3444$2.1M
inflow2223Osage County, OK3449$1.5M
inflow2223Okmulgee County, OK3457$1.6M
inflow2223Blaine County, OK3459$1.0M
outflow2223Riverside County, CA3363$2.6M
outflow2223Washington County, OK3365$2.2M
outflow2223St. Louis County, MO3365$4.2M
inflow2223Shelby County, TN3366$2.5M
inflow2223McCurtain County, OK3348$800K
inflow2223St. Louis County, MO3253$2.6M
inflow2223Fairfax County, VA3272$4.0M
outflow2223Sebastian County, AR3154$1.5M
inflow2223Orange County, FL3144$1.5M
outflow2223Larimer County, CO3040$1.4M
outflow2223Fairfax County, VA3066$2.8M
outflow2223Osage County, OK3047$1.8M
inflow2223Pierce County, WA3055$1.3M
inflow2223Bay County, FL3037$1.2M
outflow2223Delaware County, OK2945$1.1M
outflow2223Blaine County, OK2951$2.0M
inflow2223Caddo Parish, LA2959$1.4M
inflow2223Gwinnett County, GA2962$2.1M
inflow2223Sebastian County, AR2841$1.8M
inflow2223Contra Costa County, CA2849$2.6M
outflow2223Beckham County, OK2844$1.2M
outflow2223Adams County, CO2847$1.1M
inflow2223District of Columbia, DC2739$2.1M
outflow2223Hennepin County, MN2740$1.6M
inflow2223Foreign - Other flows, FR2748$1.5M
inflow2223Santa Clara County, CA2736$4.3M
inflow2223Washita County, OK2754$889K
inflow2223Midland County, TX2752$2.7M
outflow2223Douglas County, NE2657$1.7M
outflow2223Escambia County, FL2647$1.3M
outflow2223Boulder County, CO2641$3.2M
inflow2223Lubbock County, TX2643$1.2M
outflow2223Santa Clara County, CA2646$2.2M
inflow2223Davidson County, TN2641$1.5M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Oklahoma County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals5,042.0
2023PurchaseNo CharacteristicAll Appraisals0.2
2023RefinanceNo CharacteristicAll Appraisals1,383.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals6,425.0
2023PurchaseNo CharacteristicAll Appraisals0.7
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals240,000.0
2023BothNo CharacteristicAll Appraisals260,000.0
2023PurchaseNo CharacteristicAll Appraisals264,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals250,300.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals259,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals2,679.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.7
2022RefinanceNo CharacteristicAll Appraisals235,000.0
2022BothNo CharacteristicAll Appraisals9,434.0
2022PurchaseNo CharacteristicAll Appraisals6,755.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals231,000.0
2021BothNo CharacteristicAll Appraisals14,110.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals8,453.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021RefinanceNo CharacteristicAll Appraisals5,657.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals235,000.0
2021PurchaseNo CharacteristicAll Appraisals0.6
2021PurchaseNo CharacteristicAll Appraisals236,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals14,025.0
2020PurchaseNo CharacteristicAll Appraisals7,844.0
2020PurchaseNo CharacteristicAll Appraisals0.7
2020BothNo CharacteristicAll Appraisals230,000.0
2020RefinanceNo CharacteristicAll Appraisals250,000.0
2020RefinanceNo CharacteristicAll Appraisals6,181.0
2020PurchaseNo CharacteristicAll Appraisals217,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals206,000.0
2019PurchaseNo CharacteristicAll Appraisals6,913.0
2019PurchaseNo CharacteristicAll Appraisals0.2
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals216,000.0
2019BothNo CharacteristicAll Appraisals10,089.0
2019RefinanceNo CharacteristicAll Appraisals3,176.0
2019PurchaseNo CharacteristicAll Appraisals202,000.0
2019PurchaseNo CharacteristicAll Appraisals0.7
2018RefinanceNo CharacteristicAll Appraisals185,000.0
2018BothNo CharacteristicAll Appraisals9,090.0
2018PurchaseNo CharacteristicAll Appraisals6,824.0
2018RefinanceNo CharacteristicAll Appraisals2,266.0
2018BothNo CharacteristicAll Appraisals188,000.0
2018PurchaseNo CharacteristicAll Appraisals189,000.0
2018PurchaseNo CharacteristicAll Appraisals0.7
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.2
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals188,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.2
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals9,459.0
2017PurchaseNo CharacteristicAll Appraisals6,476.0
2017PurchaseNo CharacteristicAll Appraisals189,000.0
2017RefinanceNo CharacteristicAll Appraisals2,983.0
2017PurchaseNo CharacteristicAll Appraisals0.7
2017BothNo CharacteristicAll Appraisals188,000.0
2016PurchaseNo CharacteristicAll Appraisals6,561.0
2016RefinanceNo CharacteristicAll Appraisals210,600.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals182,000.0
2016PurchaseNo CharacteristicAll Appraisals0.7
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals192,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.2
2016BothNo CharacteristicAll Appraisals10,953.0
2016RefinanceNo CharacteristicAll Appraisals4,392.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals190,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals195,000.0
2015BothNo CharacteristicAll Appraisals10,252.0
2015RefinanceNo CharacteristicAll Appraisals3,877.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.7
2015PurchaseNo CharacteristicAll Appraisals6,375.0
2015BothNo CharacteristicAll Appraisals192,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals183,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Oklahoma County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05422,224403,77418,4504.4%
2026-04415,628400,05315,5753.7%
2026-03419,367404,30915,0583.6%
2026-02419,526402,14117,3854.1%
2026-01422,607404,62917,9784.3%
2025-12420,647404,65215,9953.8%
2025-11424,331406,76217,5694.1%
2025-09429,303414,01415,2893.6%
2025-08424,601409,58715,0143.5%
2025-07427,140412,77214,3683.4%
2025-06427,871413,46314,4083.4%
2025-05425,800412,68313,1173.1%
2025-04426,779415,71811,0612.6%
2025-03428,171415,42012,7513.0%
2025-02424,012409,89514,1173.3%
2025-01423,388409,64513,7433.2%
2024-12422,016409,78012,2362.9%
2024-11423,414410,40513,0093.1%
2024-10423,214410,40512,8093.0%
2024-09423,371410,63312,7383.0%
2024-08420,286406,36213,9243.3%
2024-07423,707409,51514,1923.3%
2024-06421,780407,28814,4923.4%
2024-05420,049406,86613,1833.1%
2024-04421,182409,87711,3052.7%
2024-03422,914409,99112,9233.1%
2024-02419,923405,28614,6373.5%
2024-01416,596402,32514,2713.4%
2023-12418,904405,87813,0263.1%
2023-11421,661408,32213,3393.2%
2023-10418,625404,81613,8093.3%
2023-09419,598405,85313,7453.3%
2023-08416,226402,26513,9613.4%
2023-07416,748404,02812,7203.1%
2023-06415,301401,97113,3303.2%
2023-05412,061399,58512,4763.0%
2023-04410,707400,8889,8192.4%
2023-03412,287400,46611,8212.9%
2023-02408,340395,28913,0513.2%
2023-01405,634392,94912,6853.1%
2022-12405,932395,10410,8282.7%
2022-11405,420393,89211,5282.8%
2022-10403,463391,37712,0863.0%
2022-09404,432392,60511,8272.9%
2022-08401,645388,61013,0353.2%
2022-07402,160389,97312,1873.0%
2022-06401,199388,32312,8763.2%
2022-05399,014387,62111,3932.9%
2022-04395,374385,6239,7512.5%
2022-03398,554387,51711,0372.8%
2022-02395,203382,91512,2883.1%
2022-01393,935381,50212,4333.2%
2021-12395,164385,5049,6602.4%
2021-11395,500385,00510,4952.7%
2021-10393,199381,71611,4832.9%
2021-09393,695381,51112,1843.1%
2021-08392,155377,07515,0803.8%
2021-07398,287380,71217,5754.4%
2021-06397,744376,17221,5725.4%
2021-05393,171374,22018,9514.8%
2021-04393,043372,55820,4855.2%
2021-03392,176373,51518,6614.8%
2021-02389,316368,36420,9525.4%
2021-01388,051366,89921,1525.5%
2020-12391,978371,82020,1585.1%
2020-11392,623372,19220,4315.2%
2020-10391,846370,83821,0085.4%
2020-09391,404367,85523,5496.0%
2020-08389,397364,63624,7616.4%
2020-07391,134359,85531,2798.0%
2020-06391,003355,02235,9819.2%
2020-05382,401341,14241,25910.8%
2020-04375,220325,85049,37013.2%
2020-03383,179370,72712,4523.2%
2020-02387,079376,10810,9712.8%
2020-01386,035374,47211,5633.0%
2019-12389,613379,6989,9152.5%
2019-11390,889380,12510,7642.8%
2019-10390,213379,01411,1992.9%
2019-09390,399379,56010,8392.8%
2019-08386,851375,23911,6123.0%
2019-07391,063378,83312,2303.1%
2019-06388,967376,54912,4183.2%
2019-05386,021374,92011,1012.9%
2019-04384,086374,3379,7492.5%
2019-03385,655374,05911,5963.0%
2019-02384,861372,18712,6743.3%
2019-01382,318368,33913,9793.7%
2018-12383,623372,52011,1032.9%
2018-11383,806373,04510,7612.8%
2018-10384,095372,90011,1952.9%
2018-09383,175372,60110,5742.8%
2018-08381,129369,75911,3703.0%
2018-07387,845375,85111,9943.1%
2018-06388,156375,04313,1133.4%
2018-05384,992373,03211,9603.1%
2018-04383,283371,80211,4813.0%
2018-03384,381371,42312,9583.4%
2018-02383,859369,75114,1083.7%
2018-01380,275366,01014,2653.8%

BEA Personal Income

2024$62.67B816,490$77K
2023$60.18B811,096$74K
2022$57.26B805,165$71K
2021$51.54B799,961$64K
2020$46.64B798,283$58K
2019$44.23B791,511$56K
2018$40.10B785,527$51K
2017$38.40B781,382$49K
2016$37.40B780,594$48K
2015$37.56B773,971$49K
2014$36.66B764,148$48K
2013$34.49B754,160$46K
2012$33.53B742,004$45K
2011$32.19B730,073$44K
2010$30.38B720,616$42K
2009$29.59B711,595$42K
2008$31.36B701,484$45K
2007$28.06B695,706$40K
2006$27.92B690,153$40K
2005$25.56B683,299$37K
2004$23.38B677,742$34K
2003$22.35B674,571$33K
2002$20.83B671,120$31K
2001$20.43B664,836$31K
2000$18.62B661,769$28K
1999$16.92B657,182$26K
1998$16.40B650,289$25K
1997$15.39B646,277$24K
1996$14.77B640,451$23K
1995$13.92B634,374$22K
1994$13.34B631,136$21K
1993$12.77B623,640$20K
1992$12.22B615,216$20K
1991——$19K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Oklahoma County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-06-26$0——Yes
2025-12-02$0$0$0Yes
2025-06-18$6K$6K$0Yes
2025-06-04$0$0$0Yes
2025-05-01$0——No
2025-04-30$5K$5K$466.31Yes
2025-04-30$10K$10K$0No
2024-11-03$20K$20K$0No
2023-07-13$0——Yes
2023-07-10$0——Yes
2023-07-10$0——Yes
2023-07-09$0$0$0No
2023-07-09$0$0$0No
2022-06-07$51K$51K$0No
2022-05-24$0$61$0Yes
2022-01-01$0——Yes
2021-06-29$0——Yes
2021-06-28$0$0$0Yes
2021-06-27$96K$79K$17KYes
2021-06-27$0$0$0Yes
2021-06-27$17K$17K$0Yes
2021-06-27$16K$16K$0Yes
2021-06-27$14K$14K$0Yes
2021-06-27$2K$2K$0Yes
2021-06-27$96K$62K$35KYes
2021-06-27$30K$30K$0Yes
2021-06-26$20K$20K$0Yes
2021-06-26$56K$56K$0Yes
2021-05-27$4K$4K$0Yes
2021-05-17$5K$5K$0Yes
2020-09-30$0——Yes
2020-09-01$60K$59K$1KYes
2020-09-01$143K$104K$39KYes
2020-08-31$13K$13K$58.94Yes
2020-08-31$59K$59K$0No
2020-08-31$9K$9K$0Yes
2020-08-31$25K$25K$0Yes
2020-08-31$140K$100K$40KNo
2020-08-31$104K$94K$10KYes
2020-08-31$20K$19K$522.72Yes
2020-07-23$0$0$0Yes
2020-07-10$17K$17K$0No
2020-03-19$98K$98K$0No
2020-03-18$16K$16K$0Yes
2019-08-26$0——No
2019-08-26$96K$96K$0No
2019-07-03$0——Yes
2019-06-09$6K$6K$0Yes
2019-06-08$0——Yes
2019-06-06$16K$16K$0No
2019-05-27$0——Yes
2019-05-23$5K$0$5KNo
2019-05-21$12K$12K$0No
2019-05-21$0——No
2019-05-21$5K$232.89$5KYes
2019-05-21$9K$9K$0Yes
2019-05-20$0——No
2019-05-20$0——Yes
2019-05-20$3K$3K$0Yes
2019-05-08$13K$13K$0Yes
2019-05-03$1K$1K$0Yes
2019-04-30$44K$44K$0Yes
2019-04-30$23K$23K$0Yes
2019-04-12$0——No
2018-12-26$1K$1K$0No
2018-08-14$35K$35K$0No
2018-08-14$8K$8K$0No
2018-08-14$58K$55K$3KNo
2018-08-14$1K$1K$0Yes
2018-08-14$25K$19K$5KNo
2018-08-14$21K$12K$9KYes
2018-08-14$15K$15K$0No
2018-08-14$0——Yes
2018-08-14$25K$25K$0No
2018-08-14$31K$31K$0No
2018-08-14$20K$20K$0No
2018-08-13$15K$8K$6KYes
2018-07-30$47K$0$47KNo
2018-07-30$9K$9K$0Yes
2018-07-30$9K$9K$0Yes
2018-07-29$18K$18K$0No
2018-06-25$10K$0$10KYes
2018-06-07$119K$111K$8KYes
2018-06-07$97K$97K$0No
2018-06-07$24K$24K$0Yes
2018-06-07$19K$18K$1KYes
2018-06-06$23K$17K$6KYes
2017-10-04$0——No
2017-08-25$50K$50K$0No
2017-08-22$6K$3K$2KYes
2017-08-22$29K$29K$0Yes
2017-08-22$25K$0$25KNo
2017-05-15$0——Yes
2017-04-29$0——Yes
2017-04-21$383K$383K$0No
2016-09-01$0——Yes
2016-05-28$0——Yes
2015-07-09$0——Yes
2015-07-03$20K$20K$0No
2015-07-03$0——Yes

ALSO CHECKED

18 more data areas were checked for Oklahoma County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the OK state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN OKLAHOMA COUNTY →Opens the loan explorer already filtered to county FIPS 40109.

See the Oklahoma state market profile for the statewide picture, the Oklahoma state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.