Wagoner County
Oklahoma · FIPS 40145
According to CFPB HMDA 2024 application volume among U.S. counties, Wagoner County ranks #513 of 3,210, and #5 of 77 in Oklahoma.
Mortgage lending activity in Wagoner 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. Wagoner County, Oklahoma saw 4,966 HMDA-reported mortgage applications in 2024. Lenders originated 2,426 of those loans and denied 646, producing a denial rate of 13.0% and an approval (origination) rate of 48.9%. The average loan amount was $214,859 at an average note rate of 6.94%, with applicants self-reporting average annual income of $38K. 190 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.7x, meaning typical borrowers took on mortgages of about 5.7 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 Wagoner County
In Wagoner County, lead originator Lendlo Mortgage, LLC funded only 8.7% of 2,426 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Wagoner County's 4,966 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Wagoner County's $214,859 average loan (deduped against volume peers).
Lenders active in Wagoner County
Lendlo Mortgage, LLC funded 211 of the 2,426 loans originated in Wagoner County, 8.7% of the county. 190 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Lendlo Mortgage, LLC | 211 | 8.7% |
| 2 | Arvest Bank | 187 | 7.7% |
| 3 | Associated Mortgage Corporation | 177 | 7.3% |
| 4 | Bokf NA | 120 | 4.9% |
| 5 | Rocket Mortgage | 112 | 4.6% |
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 Wagoner 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 Wagoner 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.