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2024 data HMDA 2024 disclosure official source

Okmulgee County

1,524 mortgage applications, 22.2% denial rate. Verify FIPS 40111 with U.S. Census Bureau →

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Oklahoma · FIPS 40111

Local mortgage market. Okmulgee County, Oklahoma saw 1,524 HMDA-reported mortgage applications in 2024. Lenders originated 627 of those loans and denied 338, producing a denial rate of 22.2% and an approval (origination) rate of 41.1%. The average loan amount was $163,327 at an average note rate of 7.33%, with applicants self-reporting average annual income of $36K. 116 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 40111 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,524
Applications
627
Originated
22.2%
Denial Rate
41.1%
Approval Rate
$163,327
Avg Loan Amount
7.33%
Avg Interest Rate
$36K
Avg Applicant Income
4.5x
Loan-to-Income Ratio

Nearby Lenders in Okmulgee 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 Mabrey Bank 56 8.9%
2 Flat Branch Mortgage, INC. 52 8.3%
3 Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee 43 6.9%
4 American Exchange Bank 42 6.7%
5 Rocket Mortgage 33 5.3%
Compare Mabrey Bank vs Flat Branch Mortgage, INC. →

Frequently Asked Questions

How many mortgage applications were filed in Okmulgee County?
In the 2024 HMDA reporting year, 1,524 mortgage applications were filed in Okmulgee County, Oklahoma. Of these, 627 were originated (approved and funded), while 338 were denied, resulting in a denial rate of 22.2%.
What is the mortgage denial rate in Okmulgee County?
The mortgage denial rate in Okmulgee County is 22.2%. The approval (origination) rate is 41.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Okmulgee County?
The average mortgage loan amount in Okmulgee County is $163,327. The average interest rate is 7.330%. The average applicant income is $36K.
What is the loan-to-income ratio in Okmulgee County?
The average loan-to-income ratio in Okmulgee County is 4.5x, meaning borrowers took on loans averaging 4.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Okmulgee County?
The top mortgage lenders in Okmulgee County by origination volume are Mabrey Bank, Flat Branch Mortgage, INC., Patrons Bank, NA FKA First National Bank & Trust Company of Okmulgee. In total, 116 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.