PlainLender
2024 data HMDA 2024 disclosure official source

Muskogee County

2,329 mortgage applications, 18.9% denial rate. Verify FIPS 40101 with U.S. Census Bureau →

PlainLender home → About this data

Oklahoma · FIPS 40101

Local mortgage market. Muskogee County, Oklahoma saw 2,329 HMDA-reported mortgage applications in 2024. Lenders originated 1,049 of those loans and denied 440, producing a denial rate of 18.9% and an approval (origination) rate of 45.0%. The average loan amount was $163,768 at an average note rate of 7.21%, with applicants self-reporting average annual income of $37K. 146 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 40101 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,329
Applications
1,049
Originated
18.9%
Denial Rate
45.0%
Approval Rate
$163,768
Avg Loan Amount
7.21%
Avg Interest Rate
$37K
Avg Applicant Income
4.4x
Loan-to-Income Ratio

Nearby Lenders in Muskogee 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 American Bank of Oklahoma 118 11.2%
2 BANCFIRST 91 8.7%
3 New American Funding, LLC. 78 7.4%
4 Armstrong Bank 73 7.0%
5 Firstar Bank 64 6.1%
Compare American Bank of Oklahoma vs BANCFIRST →

Frequently Asked Questions

How many mortgage applications were filed in Muskogee County?
In the 2024 HMDA reporting year, 2,329 mortgage applications were filed in Muskogee County, Oklahoma. Of these, 1,049 were originated (approved and funded), while 440 were denied, resulting in a denial rate of 18.9%.
What is the mortgage denial rate in Muskogee County?
The mortgage denial rate in Muskogee County is 18.9%. The approval (origination) rate is 45.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Muskogee County?
The average mortgage loan amount in Muskogee County is $163,768. The average interest rate is 7.215%. The average applicant income is $37K.
What is the loan-to-income ratio in Muskogee County?
The average loan-to-income ratio in Muskogee 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 Muskogee County?
The top mortgage lenders in Muskogee County by origination volume are American Bank of Oklahoma, BANCFIRST, New American Funding, LLC.. In total, 146 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.