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2024 data HMDA 2024 disclosure official source

Bryan County

1,837 mortgage applications, 20.5% denial rate. Verify FIPS 40013 with U.S. Census Bureau →

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Oklahoma · FIPS 40013

Local mortgage market. Bryan County, Oklahoma saw 1,837 HMDA-reported mortgage applications in 2024. Lenders originated 915 of those loans and denied 377, producing a denial rate of 20.5% and an approval (origination) rate of 49.8%. The average loan amount was $184,548 at an average note rate of 7.49%, with applicants self-reporting average annual income of $37K. 123 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 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 40013 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,837
Applications
915
Originated
20.5%
Denial Rate
49.8%
Approval Rate
$184,548
Avg Loan Amount
7.49%
Avg Interest Rate
$37K
Avg Applicant Income
5.0x
Loan-to-Income Ratio

Nearby Lenders in Bryan 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 First United Bank and Trust CO 299 32.7%
2 Guild Mortgage Company 76 8.3%
3 Rocket Mortgage 49 5.4%
4 21st Mortgage 31 3.4%
5 Great Plains National Bank 31 3.4%
Compare First United Bank and Trust CO vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Bryan County?
In the 2024 HMDA reporting year, 1,837 mortgage applications were filed in Bryan County, Oklahoma. Of these, 915 were originated (approved and funded), while 377 were denied, resulting in a denial rate of 20.5%.
What is the mortgage denial rate in Bryan County?
The mortgage denial rate in Bryan County is 20.5%. The approval (origination) rate is 49.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bryan County?
The average mortgage loan amount in Bryan County is $184,548. The average interest rate is 7.494%. The average applicant income is $37K.
What is the loan-to-income ratio in Bryan County?
The average loan-to-income ratio in Bryan County is 5.0x, meaning borrowers took on loans averaging 5.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bryan County?
The top mortgage lenders in Bryan County by origination volume are First United Bank and Trust CO, Guild Mortgage Company, Rocket Mortgage. In total, 123 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.