Harmon County
Oklahoma · FIPS 40057
According to CFPB HMDA 2024 application volume among U.S. counties, Harmon County ranks #3,134 of 3,223, and #76 of 77 in Oklahoma.
Mortgage lending activity in Harmon County, Oklahoma based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Harmon County, Oklahoma lenders denied 4 of the applications reported here, financing the rest at an average note rate of 7.12%, with applicants self-reporting average annual income of $35K. 10 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.0x, meaning typical borrowers took on mortgages of about 3.0 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Harmon County
In Harmon County, lead originator Cattlemens Bank funded 28.6% of 14 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 50.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Harmon County's 26 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Harmon County's $104,231 average loan (deduped against volume peers).
Lenders active in Harmon County
Cattlemens Bank funded 4 of the 14 loans originated in Harmon County, 28.6% of the county. 10 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Cattlemens Bank | 4 | 28.6% |
| 2 | 21st Mortgage | 2 | 14.3% |
| 3 | MidFirst Bank | 1 | 7.1% |
| 4 | Usaa Bank | 1 | 7.1% |
| 5 | Freedom Mortgage Corporation | 1 | 7.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Harmon County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Harmon County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.