Le Flore County
Oklahoma · FIPS 40079
According to CFPB HMDA 2024 application volume among U.S. counties, Le Flore County ranks #1,198 of 3,210, and #28 of 77 in Oklahoma.
Mortgage lending activity in Le Flore 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Le Flore County
In Le Flore County, lead originator Firstar Bank funded 18.9% of 572 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 Le Flore County's 1,349 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Le Flore County's $164,318 average loan (deduped against volume peers).
Lenders active in Le Flore County
Firstar Bank funded 108 of the 572 loans originated in Le Flore County, 18.9% of the county. 101 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Le Flore County borrowers.
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 Le Flore County 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. 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.