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2024 data HMDA 2024 disclosure official source

Creek County

3,046 mortgage applications, 20.3% denial rate. Verify FIPS 40037 with U.S. Census Bureau →

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Oklahoma · FIPS 40037

Local mortgage market. Creek County, Oklahoma saw 3,046 HMDA-reported mortgage applications in 2024. Lenders originated 1,331 of those loans and denied 619, producing a denial rate of 20.3% and an approval (origination) rate of 43.7%. The average loan amount was $186,425 at an average note rate of 7.26%, with applicants self-reporting average annual income of $37K. 182 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 40037 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,046
Applications
1,331
Originated
20.3%
Denial Rate
43.7%
Approval Rate
$186,425
Avg Loan Amount
7.26%
Avg Interest Rate
$37K
Avg Applicant Income
5.0x
Loan-to-Income Ratio

Nearby Lenders in Creek 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 Associated Mortgage Corporation 90 6.8%
2 Arvest Bank 75 5.6%
3 Rocket Mortgage 68 5.1%
4 American Heritage Bank 67 5.0%
5 First United Bank and Trust CO 58 4.4%
Compare Associated Mortgage Corporation vs Arvest Bank →

Frequently Asked Questions

How many mortgage applications were filed in Creek County?
In the 2024 HMDA reporting year, 3,046 mortgage applications were filed in Creek County, Oklahoma. Of these, 1,331 were originated (approved and funded), while 619 were denied, resulting in a denial rate of 20.3%.
What is the mortgage denial rate in Creek County?
The mortgage denial rate in Creek County is 20.3%. The approval (origination) rate is 43.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Creek County?
The average mortgage loan amount in Creek County is $186,425. The average interest rate is 7.258%. The average applicant income is $37K.
What is the loan-to-income ratio in Creek County?
The average loan-to-income ratio in Creek 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 Creek County?
The top mortgage lenders in Creek County by origination volume are Associated Mortgage Corporation, Arvest Bank, Rocket Mortgage. In total, 182 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.