Finance Atlas

Banking & Mortgage-Lending Access in Oklahoma

695 FDIC-insured institutions (170 currently active) are recorded in Oklahoma in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 24.8% in Oklahoma.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

695
FDIC institutions (total)
170
Currently active
24.8%
Overall denial rate (HMDA 2024)
72,214
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Oklahoma?

FDIC BankFind records 695 FDIC-insured institutions (all historical) in Oklahoma, of which 170 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 695
Currently active 170

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Oklahoma?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Oklahoma:

Charter class Description Count
NM State non-member bank (Fed non-member) 301
N National bank (OCC-chartered) 179
SM State member bank (Fed member) 121
SL Savings institution (state-chartered S&L) 75
SB Savings bank (state-chartered) 17
NS Non-member savings bank (state-chartered) 2

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Oklahoma? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 24.8% in Oklahoma. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 24.8%
White applicants 23.9%
Black applicants 34.7%
Black/White denial rate ratio 1.46x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=OK

Mortgage origination volume in Oklahoma (2024)

HMDA 2024 data record 72,214 originated mortgage loans in Oklahoma , totaling $16.1B , with an average loan size of $223,164.

Metric Value
Originated loans (2024) 72,214
Total origination volume $16.1B
Average loan size $223,164

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=OK

Data exported June 20, 2026 · content hash 140e64991bb8bd88 · machine-readable brief: /finance/states/ok/context.md

Where to act