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2024 data HMDA 2024 disclosure official source

Craig County

310 mortgage applications, 18.7% denial rate. Verify FIPS 40035 with U.S. Census Bureau →

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Oklahoma · FIPS 40035

Local mortgage market. Craig County, Oklahoma saw 310 HMDA-reported mortgage applications in 2024. Lenders originated 145 of those loans and denied 58, producing a denial rate of 18.7% and an approval (origination) rate of 46.8%. The average loan amount was $151,968 at an average note rate of 7.37%, with applicants self-reporting average annual income of $35K. 48 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.3x, meaning typical borrowers took on mortgages of about 4.3 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 40035 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

310
Applications
145
Originated
18.7%
Denial Rate
46.8%
Approval Rate
$151,968
Avg Loan Amount
7.37%
Avg Interest Rate
$35K
Avg Applicant Income
4.3x
Loan-to-Income Ratio

Nearby Lenders in Craig 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 35 24.1%
2 Rcb Bank 10 6.9%
3 Rocket Mortgage 9 6.2%
4 Arvest Bank 8 5.5%
5 Stride Bank, National Association 7 4.8%
Compare BANCFIRST vs Rcb Bank →

Frequently Asked Questions

How many mortgage applications were filed in Craig County?
In the 2024 HMDA reporting year, 310 mortgage applications were filed in Craig County, Oklahoma. Of these, 145 were originated (approved and funded), while 58 were denied, resulting in a denial rate of 18.7%.
What is the mortgage denial rate in Craig County?
The mortgage denial rate in Craig County is 18.7%. The approval (origination) rate is 46.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Craig County?
The average mortgage loan amount in Craig County is $151,968. The average interest rate is 7.370%. The average applicant income is $35K.
What is the loan-to-income ratio in Craig County?
The average loan-to-income ratio in Craig County is 4.3x, meaning borrowers took on loans averaging 4.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Craig County?
The top mortgage lenders in Craig County by origination volume are BANCFIRST, Rcb Bank, Rocket Mortgage. In total, 48 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.