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2024 data HMDA 2024 disclosure official source

Grady County

2,785 mortgage applications, 15.8% denial rate. Verify FIPS 40051 with U.S. Census Bureau →

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Oklahoma · FIPS 40051

Local mortgage market. Grady County, Oklahoma saw 2,785 HMDA-reported mortgage applications in 2024. Lenders originated 1,324 of those loans and denied 439, producing a denial rate of 15.8% and an approval (origination) rate of 47.5%. The average loan amount was $194,738 at an average note rate of 7.06%, with applicants self-reporting average annual income of $37K. 184 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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 40051 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,785
Applications
1,324
Originated
15.8%
Denial Rate
47.5%
Approval Rate
$194,738
Avg Loan Amount
7.06%
Avg Interest Rate
$37K
Avg Applicant Income
5.3x
Loan-to-Income Ratio

Nearby Lenders in Grady 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 Great Plains National Bank 70 5.3%
2 First United Bank and Trust CO 69 5.2%
3 Rocket Mortgage 67 5.1%
4 Arvest Bank 50 3.8%
5 BANCFIRST 49 3.7%
Compare Great Plains National Bank vs First United Bank and Trust CO →

Frequently Asked Questions

How many mortgage applications were filed in Grady County?
In the 2024 HMDA reporting year, 2,785 mortgage applications were filed in Grady County, Oklahoma. Of these, 1,324 were originated (approved and funded), while 439 were denied, resulting in a denial rate of 15.8%.
What is the mortgage denial rate in Grady County?
The mortgage denial rate in Grady County is 15.8%. The approval (origination) rate is 47.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Grady County?
The average mortgage loan amount in Grady County is $194,738. The average interest rate is 7.062%. The average applicant income is $37K.
What is the loan-to-income ratio in Grady County?
The average loan-to-income ratio in Grady County is 5.3x, meaning borrowers took on loans averaging 5.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Grady County?
The top mortgage lenders in Grady County by origination volume are Great Plains National Bank, First United Bank and Trust CO, Rocket Mortgage. In total, 184 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.