Lincoln County
Oklahoma · FIPS 40081
According to CFPB HMDA 2024 application volume among U.S. counties, Lincoln County ranks #1,121 of 3,210, and #25 of 77 in Oklahoma.
Mortgage lending activity in Lincoln 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. Lincoln County, Oklahoma saw 1,491 HMDA-reported mortgage applications in 2024. Lenders originated 699 of those loans and denied 320, producing a denial rate of 21.5% and an approval (origination) rate of 46.9%. The average loan amount was $170,922 at an average note rate of 7.54%, with applicants self-reporting average annual income of $36K. 129 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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 Lincoln County
In Lincoln County, lead originator BANCFIRST funded 27.0% of 699 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 37.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Lincoln County's 1,491 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lincoln County's $170,922 average loan (deduped against volume peers).
Lenders active in Lincoln County
BANCFIRST funded 189 of the 699 loans originated in Lincoln County, 27.0% of the county. 129 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | BANCFIRST | 189 | 27.0% |
| 2 | 21st Mortgage | 38 | 5.4% |
| 3 | Rocket Mortgage | 35 | 5.0% |
| 4 | First Bank and Trust CO | 32 | 4.6% |
| 5 | First United Bank and Trust CO | 28 | 4.0% |
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 Lincoln 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 Lincoln 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.