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2024 data HMDA 2024 disclosure official source

Atoka County

309 mortgage applications, 28.5% denial rate. Verify FIPS 40005 with U.S. Census Bureau →

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Oklahoma · FIPS 40005

Local mortgage market. Atoka County, Oklahoma saw 309 HMDA-reported mortgage applications in 2024. Lenders originated 125 of those loans and denied 88, producing a denial rate of 28.5% and an approval (origination) rate of 40.5%. The average loan amount was $154,773 at an average note rate of 7.77%, with applicants self-reporting average annual income of $37K. 46 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 40005 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

309
Applications
125
Originated
28.5%
Denial Rate
40.5%
Approval Rate
$154,773
Avg Loan Amount
7.77%
Avg Interest Rate
$37K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Atoka 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 21st Mortgage 20 16.0%
2 Shamrock Bank N.A. 14 11.2%
3 First United Bank and Trust CO 13 10.4%
4 Rocket Mortgage 13 10.4%
5 Guild Mortgage Company 7 5.6%
Compare 21st Mortgage vs Shamrock Bank N.A. →

Frequently Asked Questions

How many mortgage applications were filed in Atoka County?
In the 2024 HMDA reporting year, 309 mortgage applications were filed in Atoka County, Oklahoma. Of these, 125 were originated (approved and funded), while 88 were denied, resulting in a denial rate of 28.5%.
What is the mortgage denial rate in Atoka County?
The mortgage denial rate in Atoka County is 28.5%. The approval (origination) rate is 40.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Atoka County?
The average mortgage loan amount in Atoka County is $154,773. The average interest rate is 7.773%. The average applicant income is $37K.
What is the loan-to-income ratio in Atoka County?
The average loan-to-income ratio in Atoka County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Atoka County?
The top mortgage lenders in Atoka County by origination volume are 21st Mortgage, Shamrock Bank N.A., First United Bank and Trust CO. In total, 46 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.