States › Oklahoma › Carter County
Carter County, Oklahoma
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 1,445 mortgage applications in Carter County, Oklahoma, for 2024, and originated 735 loans worth $123m.
That is 38.6 originations per 1,000 households, against 46.6 for Oklahoma and 48.0 nationally.
The county's denial rate was 30.1%, above the state rate of 23.4%. The median rate spread on originated loans was 0.6 percentage points and 20.8% of originations were 1.5 points or more above the average prime offer rate.
13 lenders reached 25 applications in the county; the most active by originations were Bancfirst (97), First Bank and Trust Co (54) and Associated Mortgage Corporation (51).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Bancfirst | 117 | 97 | $12m | 7.8% | — |
| 2 | First Bank and Trust Co | 68 | 54 | $5.4m | 8.5% | — |
| 3 | Associated Mortgage Corporation | 58 | 51 | $10m | 0.0% | — |
| 4 | Rocket Mortgage | 59 | 39 | $7.4m | 23.1% | — |
| 5 | First United Bank and Trust Co | 45 | 32 | $4.8m | 0.0% | — |
| 6 | First National Bank and Trust Company of Ardmore | 39 | 31 | $4.8m | 5.6% | — |
| 7 | American Nation Bank | 44 | 27 | $5.9m | 29.3% | — |
| 8 | Gateway First Bank | 41 | 27 | $4.9m | 3.6% | — |
| 9 | 21st Mortgage | 153 | 22 | $2.8m | 78.3% | — |
| 10 | Mortgage Research Center | 38 | 18 | $5.0m | — | — |
| 11 | Triad Financial Services, Inc. | 70 | 7 | $815k | 54.3% | — |
| 12 | Countryplace Mortgage, Ltd. | 79 | 6 | $900k | 90.3% | — |
| 13 | Discover Bank | 25 | 5 | $255k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 13. Denial rate is denials over decided applications in this county.
Compared with Oklahoma and the nation
| Measure | This county | Oklahoma | United States |
|---|---|---|---|
| Denial rate | 30.1% | 23.4% | 24.3% |
| Median rate spread, pp | 0.6 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 20.8% | 17.5% | 15.6% |
| Average originated loan | $168k | $223k | $329k |
| Originations per 1,000 households | 38.6 | 46.6 | 48.0 |
| Home purchase share of originations | 63.5% | 63.6% | 57.0% |
| FHA-insured share | 20.1% | 17.1% | 13.4% |
| VA-guaranteed share | 8.2% | 11.9% | 7.9% |
Rate spread distribution
Share of 528 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Oklahoma). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 64% (467)Home improvement 6% (43)Refinancing 11% (82)Cash-out refinancing 10% (77)Other purpose 9% (66)
By type
Conventional 71% (521)FHA 20% (148)VA 8% (60)USDA 1% (6)
Trend by year
ApplicationsOriginations
This countyOklahoma
Questions and answers
Which lenders are most active in Carter County, OK?
By 2024 originations: Bancfirst (97), First Bank and Trust Co (54), Associated Mortgage Corporation (51), Rocket Mortgage (39), First United Bank and Trust Co (32). 13 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Carter County?
30.1% of decided applications were denied in 2024, against 23.4% across Oklahoma and 24.3% nationally.
How many mortgages were originated in Carter County in 2024?
735 loans totalling $123m, from 1,445 applications; 38.6 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 40019; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.