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Wagoner 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 4,090 mortgage applications in Wagoner County, Oklahoma, for 2024, and originated 2,483 loans worth $542m.
That is 79.1 originations per 1,000 households, against 46.6 for Oklahoma and 48.0 nationally.
The county's denial rate was 20.0%, below the state rate of 23.4%. The median rate spread on originated loans was 0.4 percentage points and 14.9% of originations were 1.5 points or more above the average prime offer rate.
41 lenders reached 25 applications in the county; the most active by originations were Lendlo Mortgage, LLC (209), Arvest Bank (187) and Associated Mortgage Corporation (177).
Originations were up 24% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 41. Denial rate is denials over decided applications in this county.
Compared with Oklahoma and the nation
| Measure | This county | Oklahoma | United States |
|---|---|---|---|
| Denial rate | 20.0% | 23.4% | 24.3% |
| Median rate spread, pp | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.9% | 17.5% | 15.6% |
| Average originated loan | $218k | $223k | $329k |
| Originations per 1,000 households | 79.1 | 46.6 | 48.0 |
| Home purchase share of originations | 66.5% | 63.6% | 57.0% |
| FHA-insured share | 22.4% | 17.1% | 13.4% |
| VA-guaranteed share | 10.5% | 11.9% | 7.9% |
Rate spread distribution
Share of 2,271 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 66% (1,651)Home improvement 9% (217)Refinancing 8% (198)Cash-out refinancing 9% (232)Other purpose 7% (185)
By type
Conventional 64% (1,598)FHA 22% (556)VA 11% (261)USDA 3% (68)
Trend by year
ApplicationsOriginations
This countyOklahoma
Questions and answers
Which lenders are most active in Wagoner County, OK?
By 2024 originations: Lendlo Mortgage, LLC (209), Arvest Bank (187), Associated Mortgage Corporation (177), Bokf NA (120), Rocket Mortgage (112). 41 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Wagoner County?
20.0% of decided applications were denied in 2024, against 23.4% across Oklahoma and 24.3% nationally.
How many mortgages were originated in Wagoner County in 2024?
2,483 loans totalling $542m, from 4,090 applications; 79.1 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 40145; 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.