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2024 data HMDA 2024 disclosure official source

Woods County

129 mortgage applications, 19.4% denial rate. Verify FIPS 40151 with U.S. Census Bureau →

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Oklahoma · FIPS 40151

Local mortgage market. Woods County, Oklahoma saw 129 HMDA-reported mortgage applications in 2024. Lenders originated 58 of those loans and denied 25, producing a denial rate of 19.4% and an approval (origination) rate of 45.0%. The average loan amount was $121,744 at an average note rate of 6.79%, with applicants self-reporting average annual income of $37K. 33 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.3x, meaning typical borrowers took on mortgages of about 3.3 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 40151 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

129
Applications
58
Originated
19.4%
Denial Rate
45.0%
Approval Rate
$121,744
Avg Loan Amount
6.79%
Avg Interest Rate
$37K
Avg Applicant Income
3.3x
Loan-to-Income Ratio

Nearby Lenders in Woods 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 PRIMELENDING 8 13.8%
2 Rocket Mortgage 7 12.1%
3 Guaranteed Rate, INC. 5 8.6%
4 Mortgage Research Center 4 6.9%
5 JPMorgan Chase Bank, NA 2 3.4%
Compare PRIMELENDING vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Woods County?
In the 2024 HMDA reporting year, 129 mortgage applications were filed in Woods County, Oklahoma. Of these, 58 were originated (approved and funded), while 25 were denied, resulting in a denial rate of 19.4%.
What is the mortgage denial rate in Woods County?
The mortgage denial rate in Woods County is 19.4%. The approval (origination) rate is 45.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Woods County?
The average mortgage loan amount in Woods County is $121,744. The average interest rate is 6.788%. The average applicant income is $37K.
What is the loan-to-income ratio in Woods County?
The average loan-to-income ratio in Woods County is 3.3x, meaning borrowers took on loans averaging 3.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Woods County?
The top mortgage lenders in Woods County by origination volume are PRIMELENDING, Rocket Mortgage, Guaranteed Rate, INC.. In total, 33 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.