Oklahoma · HMDA 2025
Mortgage lenders in Cotton County, OK
61 lenders reported 196 home-loan applications in Cotton County in 2025. 94 closed as loans ($12.1M), 34 were denied — a 25.2% denial rate on decided applications, above the Oklahoma rate of 22.6%. The three most active lenders handled 37% of applications, led by Walters Bank and Trust Company. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 196
- Loans originated
- 94
- Purchase / refinance
- 50 / 41
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cotton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Walters Bank and Trust Company 99 out of 100, Very strong | 40 | 20.4% | 12.8% |
| 2 | 21st Mortgage Corporation | 18 | 9.2% | — |
| 3 | TRIAD FINANCIAL SERVICES, INC. | 14 | 7.1% | — |
| 4 | Mortgage Research Center, LLC | 7 | 3.6% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 3.6% | 39.5% |
| 6 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 3.1% | — |
| 7 | PLANET HOME LENDING, LLC | 6 | 3.1% | — |
| 8 | NEW DAY FINANCIAL, LLC | 6 | 3.1% | — |
| 9 | NEWREZ LLC | 5 | 2.6% | — |
| 10 | BOKF, National Association 64 out of 100, Moderate | 5 | 2.6% | 27.5% |
| 11 | Arvest Bank 57 out of 100, Moderate | 5 | 2.6% | 18.5% |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 2.0% | — |
| 13 | NETWORK FUNDING, L.P. | 4 | 2.0% | — |
| 14 | First United Bank and Trust Company 50 out of 100, Below average | 4 | 2.0% | 8.1% |
| 15 | BancFirst 71 out of 100, Strong | 4 | 2.0% | 10.2% |
| 16 | VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | 1.5% | — |
| 17 | Broker Solutions, Inc. | 3 | 1.5% | — |
| 18 | Rocket Mortgage, LLC | 3 | 1.5% | — |
| 19 | SOUTHWEST FUNDING, LP | 3 | 1.5% | — |
| 20 | The City National Bank and Trust Company of Lawton 83 out of 100, Strong | 3 | 1.5% | 41.3% |
| 21 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 1.0% | 32.9% |
| 22 | PENNYMAC LOAN SERVICES, LLC | 2 | 1.0% | — |
| 23 | GUARANTEED RATE, INC. | 2 | 1.0% | — |
| 24 | AmeriSave Mortgage Corporation | 2 | 1.0% | — |
| 25 | Paramount Residential Mortgage Group, Inc. | 2 | 1.0% | — |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 0.5% | 14.1% |
| 27 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 0.5% | 22.2% |
| 28 | Loandepot.Com, LLC | 1 | 0.5% | — |
| 29 | GUILD MORTGAGE COMPANY | 1 | 0.5% | — |
| 30 | MidFirst Bank 34 out of 100, Low | 1 | 0.5% | 16.3% |
| 31 | FIGURE LENDING LLC | 1 | 0.5% | — |
| 32 | American Nation Bank 76 out of 100, Strong | 1 | 0.5% | 11.8% |
| 33 | TruHome Solutions, LLC | 1 | 0.5% | — |
| 34 | FINANCIAL CONCEPTS MORTGAGE, LLC | 1 | 0.5% | — |
| 35 | Click n' Close, Inc. | 1 | 0.5% | — |
| 36 | ASSOCIATED MORTGAGE CORPORATION | 1 | 0.5% | — |
| 37 | Farm Credit Mid-America | 1 | 0.5% | — |
| 38 | COUNTRYPLACE MORTGAGE, LTD. | 1 | 0.5% | — |
| 39 | A+ Federal Credit Union 61 out of 100, Moderate | 1 | 0.5% | 47.2% |
| 40 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 1 | 0.5% | 2.2% |
Top 40 of 61 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Oklahoma
- Oklahoma County 31,396 apps
- Tulsa County 26,910 apps
- Cleveland County 12,096 apps
- Canadian County 10,422 apps
- Wagoner County 5,477 apps
- Comanche County 4,922 apps
- Rogers County 4,814 apps
- Creek County 3,455 apps
- Pottawatomie County 3,404 apps
- Logan County 3,335 apps
- Grady County 3,211 apps
- McClain County 2,878 apps