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2024 data HMDA 2024 disclosure official source

Le Flore County

1,349 mortgage applications, 21.3% denial rate. Verify FIPS 40079 with U.S. Census Bureau →

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Oklahoma · FIPS 40079

Local mortgage market. Le Flore County, Oklahoma saw 1,349 HMDA-reported mortgage applications in 2024. Lenders originated 572 of those loans and denied 287, producing a denial rate of 21.3% and an approval (origination) rate of 42.4%. The average loan amount was $164,318 at an average note rate of 7.20%, with applicants self-reporting average annual income of $36K. 101 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 40079 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,349
Applications
572
Originated
21.3%
Denial Rate
42.4%
Approval Rate
$164,318
Avg Loan Amount
7.20%
Avg Interest Rate
$36K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Le Flore 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 Firstar Bank 108 18.9%
2 Arvest Bank 74 12.9%
3 Rocket Mortgage 47 8.2%
4 First National Bank of Fort Smith 40 7.0%
5 Mortgage Research Center 26 4.5%
Compare Firstar Bank vs Arvest Bank →

Frequently Asked Questions

How many mortgage applications were filed in Le Flore County?
In the 2024 HMDA reporting year, 1,349 mortgage applications were filed in Le Flore County, Oklahoma. Of these, 572 were originated (approved and funded), while 287 were denied, resulting in a denial rate of 21.3%.
What is the mortgage denial rate in Le Flore County?
The mortgage denial rate in Le Flore County is 21.3%. The approval (origination) rate is 42.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Le Flore County?
The average mortgage loan amount in Le Flore County is $164,318. The average interest rate is 7.200%. The average applicant income is $36K.
What is the loan-to-income ratio in Le Flore County?
The average loan-to-income ratio in Le Flore County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Le Flore County?
The top mortgage lenders in Le Flore County by origination volume are Firstar Bank, Arvest Bank, Rocket Mortgage. In total, 101 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.