PlainLender
2024 data HMDA 2024 disclosure official source

Murray County

456 mortgage applications, 22.4% denial rate. Verify FIPS 40099 with U.S. Census Bureau →

PlainLender home → About this data

Oklahoma · FIPS 40099

Local mortgage market. Murray County, Oklahoma saw 456 HMDA-reported mortgage applications in 2024. Lenders originated 217 of those loans and denied 102, producing a denial rate of 22.4% and an approval (origination) rate of 47.6%. The average loan amount was $161,667 at an average note rate of 7.39%, with applicants self-reporting average annual income of $35K. 62 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 40099 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

456
Applications
217
Originated
22.4%
Denial Rate
47.6%
Approval Rate
$161,667
Avg Loan Amount
7.39%
Avg Interest Rate
$35K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Murray 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 Vision Bank 25 11.5%
2 Rocket Mortgage 22 10.1%
3 First United Bank and Trust CO 16 7.4%
4 BANCFIRST 15 6.9%
5 First National Bank and Trust Company of Ardmore 12 5.5%
Compare Vision Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Murray County?
In the 2024 HMDA reporting year, 456 mortgage applications were filed in Murray County, Oklahoma. Of these, 217 were originated (approved and funded), while 102 were denied, resulting in a denial rate of 22.4%.
What is the mortgage denial rate in Murray County?
The mortgage denial rate in Murray County is 22.4%. The approval (origination) rate is 47.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Murray County?
The average mortgage loan amount in Murray County is $161,667. The average interest rate is 7.389%. The average applicant income is $35K.
What is the loan-to-income ratio in Murray County?
The average loan-to-income ratio in Murray 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 Murray County?
The top mortgage lenders in Murray County by origination volume are Vision Bank, Rocket Mortgage, First United Bank and Trust CO. In total, 62 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.