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McCurtain 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.
McCurtain County, Oklahoma, saw 933 HMDA-reported applications and 459 originations ($181m) in 2024.
That is 41.2 originations per 1,000 households, against 46.6 for Oklahoma and 48.0 nationally.
The county's denial rate was 31.5%, above the state rate of 23.4%. The median rate spread on originated loans was 0.8 percentage points and 24.1% of originations were 1.5 points or more above the average prime offer rate.
7 lenders reached 25 applications in the county; the most active by originations were Rocket Mortgage (40), Interlinc Mortgage Services, LLC (37) and Union Home Mortgage Corp. (29).
Originations were down 11% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 62 | 40 | $8.9m | 28.1% | — |
| 2 | Interlinc Mortgage Services, LLC | 47 | 37 | $19m | 5.1% | — |
| 3 | Union Home Mortgage Corp. | 39 | 29 | $12m | 3.3% | — |
| 4 | United Wholesale Mortgage | 31 | 19 | $6.9m | 24.0% | — |
| 5 | 21st Mortgage | 82 | 14 | $1.5m | 68.1% | — |
| 6 | Triad Financial Services, Inc. | 60 | 7 | $805k | 56.7% | — |
| 7 | Vanderbilt Mortgage and Finance, Inc | 40 | 7 | $615k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 7. Denial rate is denials over decided applications in this county.
Compared with Oklahoma and the nation
| Measure | This county | Oklahoma | United States |
|---|---|---|---|
| Denial rate | 31.5% | 23.4% | 24.3% |
| Median rate spread, pp | 0.8 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 24.1% | 17.5% | 15.6% |
| Average originated loan | $395k | $223k | $329k |
| Originations per 1,000 households | 41.2 | 46.6 | 48.0 |
| Home purchase share of originations | 72.3% | 63.6% | 57.0% |
| FHA-insured share | 8.7% | 17.1% | 13.4% |
| VA-guaranteed share | 6.5% | 11.9% | 7.9% |
Rate spread distribution
Share of 290 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 72% (332)Home improvement 1% (4)Refinancing 13% (59)Cash-out refinancing 12% (53)Other purpose 2% (11)
By type
Conventional 83% (379)FHA 9% (40)VA 7% (30)USDA 2% (10)
Trend by year
ApplicationsOriginations
This countyOklahoma
Questions and answers
Which lenders are most active in McCurtain County, OK?
By 2024 originations: Rocket Mortgage (40), Interlinc Mortgage Services, LLC (37), Union Home Mortgage Corp. (29), United Wholesale Mortgage (19), 21st Mortgage (14). 7 lenders had at least 25 applications in the county.
What is the mortgage denial rate in McCurtain County?
31.5% of decided applications were denied in 2024, against 23.4% across Oklahoma and 24.3% nationally.
How many mortgages were originated in McCurtain County in 2024?
459 loans totalling $181m, from 933 applications; 41.2 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 40089; 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.