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2024 data HMDA 2024 disclosure official source

Wagoner County

4,966 mortgage applications, 13.0% denial rate. Verify FIPS 40145 with U.S. Census Bureau →

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Oklahoma · FIPS 40145

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.

FIPS 40145 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,966
Applications
2,426
Originated
13.0%
Denial Rate
48.9%
Approval Rate
$214,859
Avg Loan Amount
6.94%
Avg Interest Rate
$38K
Avg Applicant Income
5.7x
Loan-to-Income Ratio

Nearby Lenders in Wagoner 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 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%
Compare Lendlo Mortgage, LLC vs Arvest Bank →

Frequently Asked Questions

How many mortgage applications were filed in Wagoner County?
In the 2024 HMDA reporting year, 4,966 mortgage applications were filed in Wagoner County, Oklahoma. Of these, 2,426 were originated (approved and funded), while 646 were denied, resulting in a denial rate of 13.0%.
What is the mortgage denial rate in Wagoner County?
The mortgage denial rate in Wagoner County is 13.0%. The approval (origination) rate is 48.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Wagoner County?
The average mortgage loan amount in Wagoner County is $214,859. The average interest rate is 6.942%. The average applicant income is $38K.
What is the loan-to-income ratio in Wagoner County?
The average loan-to-income ratio in Wagoner County is 5.7x, meaning borrowers took on loans averaging 5.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Wagoner County?
The top mortgage lenders in Wagoner County by origination volume are Lendlo Mortgage, LLC, Arvest Bank, Associated Mortgage Corporation. In total, 190 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.