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2024 data HMDA 2024 disclosure official source

Rogers County

4,303 mortgage applications, 15.3% denial rate. Verify FIPS 40131 with U.S. Census Bureau →

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Oklahoma · FIPS 40131

Local mortgage market. Rogers County, Oklahoma saw 4,303 HMDA-reported mortgage applications in 2024. Lenders originated 2,104 of those loans and denied 658, producing a denial rate of 15.3% and an approval (origination) rate of 48.9%. The average loan amount was $220,410 at an average note rate of 7.09%, with applicants self-reporting average annual income of $37K. 210 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.0x, meaning typical borrowers took on mortgages of about 6.0 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 40131 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,303
Applications
2,104
Originated
15.3%
Denial Rate
48.9%
Approval Rate
$220,410
Avg Loan Amount
7.09%
Avg Interest Rate
$37K
Avg Applicant Income
6.0x
Loan-to-Income Ratio

Nearby Lenders in Rogers 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 Associated Mortgage Corporation 133 6.3%
2 Arvest Bank 112 5.3%
3 Rocket Mortgage 111 5.3%
4 BANCFIRST 102 4.8%
5 First United Bank and Trust CO 93 4.4%
Compare Associated Mortgage Corporation vs Arvest Bank →

Frequently Asked Questions

How many mortgage applications were filed in Rogers County?
In the 2024 HMDA reporting year, 4,303 mortgage applications were filed in Rogers County, Oklahoma. Of these, 2,104 were originated (approved and funded), while 658 were denied, resulting in a denial rate of 15.3%.
What is the mortgage denial rate in Rogers County?
The mortgage denial rate in Rogers County is 15.3%. The approval (origination) rate is 48.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Rogers County?
The average mortgage loan amount in Rogers County is $220,410. The average interest rate is 7.089%. The average applicant income is $37K.
What is the loan-to-income ratio in Rogers County?
The average loan-to-income ratio in Rogers County is 6.0x, meaning borrowers took on loans averaging 6.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Rogers County?
The top mortgage lenders in Rogers County by origination volume are Associated Mortgage Corporation, Arvest Bank, Rocket Mortgage. In total, 210 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.