Harper County
Oklahoma · FIPS 40059
According to CFPB HMDA 2024 application volume among U.S. counties, Harper County ranks #3,094 of 3,223, and #75 of 77 in Oklahoma.
Mortgage lending activity in Harper 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. Harper County, Oklahoma lenders denied 7 of the applications reported here, financing the rest at an average note rate of 6.96%, with applicants self-reporting average annual income of $33K. 12 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 Harper County
In Harper County, lead originator MidFirst Bank funded 20.0% of 15 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 40.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Harper County's 37 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Harper County's $116,892 average loan (deduped against volume peers).
Lenders active in Harper County
MidFirst Bank funded 3 of the 15 loans originated in Harper County, 20.0% of the county. 12 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | MidFirst Bank | 3 | 20.0% |
| 2 | Great Plains National Bank | 2 | 13.3% |
| 3 | Stride Bank, National Association | 1 | 6.7% |
| 4 | Royal United Mortgage LLC | 1 | 6.7% |
| 5 | Success Mortgage Partners, INC | 1 | 6.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Harper 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 Harper 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.