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2024 data HMDA 2024 disclosure official source

Blaine County

167 mortgage applications, 25.8% denial rate. Verify FIPS 40011 with U.S. Census Bureau →

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Oklahoma · FIPS 40011

Local mortgage market. Blaine County, Oklahoma saw 167 HMDA-reported mortgage applications in 2024. Lenders originated 66 of those loans and denied 43, producing a denial rate of 25.8% and an approval (origination) rate of 39.5%. The average loan amount was $134,820 at an average note rate of 7.33%, with applicants self-reporting average annual income of $34K. 39 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 40011 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

167
Applications
66
Originated
25.8%
Denial Rate
39.5%
Approval Rate
$134,820
Avg Loan Amount
7.33%
Avg Interest Rate
$34K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Blaine 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 BANCFIRST 6 9.1%
2 Great Plains National Bank 5 7.6%
3 Rocket Mortgage 4 6.1%
4 Vanderbilt Mortgage and Finance, INC 4 6.1%
5 Gateway First Bank 4 6.1%
Compare BANCFIRST vs Great Plains National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Blaine County?
In the 2024 HMDA reporting year, 167 mortgage applications were filed in Blaine County, Oklahoma. Of these, 66 were originated (approved and funded), while 43 were denied, resulting in a denial rate of 25.8%.
What is the mortgage denial rate in Blaine County?
The mortgage denial rate in Blaine County is 25.8%. The approval (origination) rate is 39.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Blaine County?
The average mortgage loan amount in Blaine County is $134,820. The average interest rate is 7.333%. The average applicant income is $34K.
What is the loan-to-income ratio in Blaine County?
The average loan-to-income ratio in Blaine County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Blaine County?
The top mortgage lenders in Blaine County by origination volume are BANCFIRST, Great Plains National Bank, Rocket Mortgage. In total, 39 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.