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2024 data HMDA 2024 disclosure official source

Oklahoma County

28,846 mortgage applications, 13.9% denial rate. Verify FIPS 40109 with U.S. Census Bureau →

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Oklahoma · FIPS 40109

Local mortgage market. Oklahoma County, Oklahoma saw 28,846 HMDA-reported mortgage applications in 2024. Lenders originated 15,130 of those loans and denied 4,006, producing a denial rate of 13.9% and an approval (origination) rate of 52.5%. The average loan amount was $235,821 at an average note rate of 7.09%, with applicants self-reporting average annual income of $37K. 435 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 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 40109 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

28,846
Applications
15,130
Originated
13.9%
Denial Rate
52.5%
Approval Rate
$235,821
Avg Loan Amount
7.09%
Avg Interest Rate
$37K
Avg Applicant Income
6.4x
Loan-to-Income Ratio

Nearby Lenders in Oklahoma 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 Rocket Mortgage 743 4.9%
2 BANCFIRST 736 4.9%
3 First United Bank and Trust CO 666 4.4%
4 United Wholesale Mortgage 545 3.6%
5 Tinker Federal Credit Union 407 2.7%
Compare Rocket Mortgage vs BANCFIRST →

Frequently Asked Questions

How many mortgage applications were filed in Oklahoma County?
In the 2024 HMDA reporting year, 28,846 mortgage applications were filed in Oklahoma County, Oklahoma. Of these, 15,130 were originated (approved and funded), while 4,006 were denied, resulting in a denial rate of 13.9%.
What is the mortgage denial rate in Oklahoma County?
The mortgage denial rate in Oklahoma County is 13.9%. The approval (origination) rate is 52.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Oklahoma County?
The average mortgage loan amount in Oklahoma County is $235,821. The average interest rate is 7.088%. The average applicant income is $37K.
What is the loan-to-income ratio in Oklahoma County?
The average loan-to-income ratio in Oklahoma County is 6.4x, meaning borrowers took on loans averaging 6.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Oklahoma County?
The top mortgage lenders in Oklahoma County by origination volume are Rocket Mortgage, BANCFIRST, First United Bank and Trust CO. In total, 435 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.