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2024 data HMDA 2024 disclosure official source

Delaware County

1,652 mortgage applications, 21.9% denial rate. Verify FIPS 40041 with U.S. Census Bureau →

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Oklahoma · FIPS 40041

Local mortgage market. Delaware County, Oklahoma saw 1,652 HMDA-reported mortgage applications in 2024. Lenders originated 732 of those loans and denied 361, producing a denial rate of 21.9% and an approval (origination) rate of 44.3%. The average loan amount was $217,682 at an average note rate of 7.41%, with applicants self-reporting average annual income of $38K. 171 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.7x, meaning typical borrowers took on mortgages of about 5.7 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 40041 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,652
Applications
732
Originated
21.9%
Denial Rate
44.3%
Approval Rate
$217,682
Avg Loan Amount
7.41%
Avg Interest Rate
$38K
Avg Applicant Income
5.7x
Loan-to-Income Ratio

Nearby Lenders in Delaware 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 Arvest Bank 69 9.4%
2 Rocket Mortgage 53 7.2%
3 BANCFIRST 52 7.1%
4 Grand Savings Bank 30 4.1%
5 Stride Bank, National Association 23 3.1%
Compare Arvest Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Delaware County?
In the 2024 HMDA reporting year, 1,652 mortgage applications were filed in Delaware County, Oklahoma. Of these, 732 were originated (approved and funded), while 361 were denied, resulting in a denial rate of 21.9%.
What is the mortgage denial rate in Delaware County?
The mortgage denial rate in Delaware County is 21.9%. The approval (origination) rate is 44.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Delaware County?
The average mortgage loan amount in Delaware County is $217,682. The average interest rate is 7.405%. The average applicant income is $38K.
What is the loan-to-income ratio in Delaware County?
The average loan-to-income ratio in Delaware County is 5.7x, meaning borrowers took on loans averaging 5.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Delaware County?
The top mortgage lenders in Delaware County by origination volume are Arvest Bank, Rocket Mortgage, BANCFIRST. In total, 171 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.