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2024 data HMDA 2024 disclosure official source

Johnston County

289 mortgage applications, 22.8% denial rate. Verify FIPS 40069 with U.S. Census Bureau →

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Oklahoma · FIPS 40069

Local mortgage market. Johnston County, Oklahoma saw 289 HMDA-reported mortgage applications in 2024. Lenders originated 116 of those loans and denied 66, producing a denial rate of 22.8% and an approval (origination) rate of 40.1%. The average loan amount was $159,533 at an average note rate of 7.62%, with applicants self-reporting average annual income of $36K. 43 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 40069 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

289
Applications
116
Originated
22.8%
Denial Rate
40.1%
Approval Rate
$159,533
Avg Loan Amount
7.62%
Avg Interest Rate
$36K
Avg Applicant Income
4.4x
Loan-to-Income Ratio

Nearby Lenders in Johnston 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 First United Bank and Trust CO 20 17.2%
2 BANCFIRST 13 11.2%
3 Rocket Mortgage 9 7.8%
4 Great Plains National Bank 8 6.9%
5 Simmons Bank 7 6.0%
Compare First United Bank and Trust CO vs BANCFIRST →

Frequently Asked Questions

How many mortgage applications were filed in Johnston County?
In the 2024 HMDA reporting year, 289 mortgage applications were filed in Johnston County, Oklahoma. Of these, 116 were originated (approved and funded), while 66 were denied, resulting in a denial rate of 22.8%.
What is the mortgage denial rate in Johnston County?
The mortgage denial rate in Johnston County is 22.8%. The approval (origination) rate is 40.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Johnston County?
The average mortgage loan amount in Johnston County is $159,533. The average interest rate is 7.616%. The average applicant income is $36K.
What is the loan-to-income ratio in Johnston County?
The average loan-to-income ratio in Johnston County is 4.4x, meaning borrowers took on loans averaging 4.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Johnston County?
The top mortgage lenders in Johnston County by origination volume are First United Bank and Trust CO, BANCFIRST, Rocket Mortgage. In total, 43 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.