Okmulgee County
Oklahoma · FIPS 40111
According to CFPB HMDA 2024 application volume among U.S. counties, Okmulgee County ranks #1,110 of 3,223, and #22 of 77 in Oklahoma.
Mortgage lending activity in Okmulgee 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. Okmulgee County, Oklahoma lenders denied 338 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Okmulgee County
In Okmulgee County, lead originator Mabrey Bank funded only 8.9% of 627 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Okmulgee County's 1,524 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Okmulgee County's $163,327 average loan (deduped against volume peers).
Lenders active in Okmulgee County
Mabrey Bank funded 56 of the 627 loans originated in Okmulgee County, 8.9% of the county. 116 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Okmulgee County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Okmulgee County borrowers. 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.