Tulsa County
Oklahoma · FIPS 40143
According to CFPB HMDA 2024 application volume among U.S. counties, Tulsa County ranks #108 of 3,223, and #2 of 77 in Oklahoma.
Mortgage lending activity in Tulsa 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. Tulsa County, Oklahoma lenders denied 3,400 of the applications reported here, financing the rest at an average note rate of 7.18%, with applicants self-reporting average annual income of $37K. 381 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.8x, meaning typical borrowers took on mortgages of about 6.8 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 Tulsa County
In Tulsa County, lead originator Associated Mortgage Corporation funded only 8.4% of 11,929 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Tulsa County's 23,702 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Tulsa County's $253,226 average loan (deduped against volume peers).
Lenders active in Tulsa County
Associated Mortgage Corporation funded 1,001 of the 11,929 loans originated in Tulsa County, 8.4% of the county. 381 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Associated Mortgage Corporation | 1,001 | 8.4% |
| 2 | Arvest Bank | 997 | 8.4% |
| 3 | Bokf NA | 935 | 7.8% |
| 4 | Rocket Mortgage | 606 | 5.1% |
| 5 | First United Bank and Trust CO | 562 | 4.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Tulsa 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 Tulsa 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.