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2024 data HMDA 2024 disclosure official source

Okeechobee County

1,630 mortgage applications, 25.3% denial rate. Verify FIPS 12093 with U.S. Census Bureau →

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Florida · FIPS 12093

Local mortgage market. Okeechobee County, Florida saw 1,630 HMDA-reported mortgage applications in 2024. Lenders originated 639 of those loans and denied 413, producing a denial rate of 25.3% and an approval (origination) rate of 39.2%. The average loan amount was $217,626 at an average note rate of 7.05%, with applicants self-reporting average annual income of $40K. 134 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 12093 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,630
Applications
639
Originated
25.3%
Denial Rate
39.2%
Approval Rate
$217,626
Avg Loan Amount
7.05%
Avg Interest Rate
$40K
Avg Applicant Income
5.4x
Loan-to-Income Ratio

Nearby Lenders in Okeechobee County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 United Wholesale Mortgage 74 11.6%
2 Rocket Mortgage 42 6.6%
3 Midflorida Credit Union 37 5.8%
4 SouthState Bank, N.A. 31 4.9%
5 21st Mortgage 27 4.2%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Okeechobee County?
In the 2024 HMDA reporting year, 1,630 mortgage applications were filed in Okeechobee County, Florida. Of these, 639 were originated (approved and funded), while 413 were denied, resulting in a denial rate of 25.3%.
What is the mortgage denial rate in Okeechobee County?
The mortgage denial rate in Okeechobee County is 25.3%. The approval (origination) rate is 39.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Okeechobee County?
The average mortgage loan amount in Okeechobee County is $217,626. The average interest rate is 7.049%. The average applicant income is $40K.
What is the loan-to-income ratio in Okeechobee County?
The average loan-to-income ratio in Okeechobee County is 5.4x, meaning borrowers took on loans averaging 5.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Okeechobee County?
The top mortgage lenders in Okeechobee County by origination volume are United Wholesale Mortgage, Rocket Mortgage, Midflorida Credit Union. In total, 134 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.