Pontotoc County
Oklahoma · FIPS 40123
According to CFPB HMDA 2024 application volume among U.S. counties, Pontotoc County ranks #1,332 of 3,210, and #30 of 77 in Oklahoma.
Mortgage lending activity in Pontotoc 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. Pontotoc County, Oklahoma saw 1,103 HMDA-reported mortgage applications in 2024. Lenders originated 510 of those loans and denied 229, producing a denial rate of 20.8% and an approval (origination) rate of 46.2%. The average loan amount was $166,061 at an average note rate of 7.42%, with applicants self-reporting average annual income of $36K. 89 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Pontotoc County
In Pontotoc County, lead originator First United Bank and Trust CO funded 20.4% of 510 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 47.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Pontotoc County's 1,103 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Pontotoc County's $166,061 average loan (deduped against volume peers).
Lenders active in Pontotoc County
First United Bank and Trust CO funded 104 of the 510 loans originated in Pontotoc County, 20.4% of the county. 89 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First United Bank and Trust CO | 104 | 20.4% |
| 2 | Gateway First Bank | 82 | 16.1% |
| 3 | Vision Bank | 55 | 10.8% |
| 4 | Rocket Mortgage | 35 | 6.9% |
| 5 | Tinker Federal Credit Union | 23 | 4.5% |
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; does not constitute financial advice for Pontotoc County borrowers.
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 Pontotoc County 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. 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.