Oklahoma · HMDA 2025
Mortgage lenders in Garfield County, OK
160 lenders reported 1,953 home-loan applications in Garfield County in 2025. 977 closed as loans ($172.4M), 254 were denied — a 19.8% denial rate on decided applications, below the Oklahoma rate of 22.6%. The three most active lenders handled 22% of applications, led by Gateway First Bank. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,953
- Loans originated
- 977
- Purchase / refinance
- 662 / 192
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Garfield County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Gateway First Bank 54 out of 100, Below average | 214 | 11.0% | 5.3% |
| 2 | BOKF, National Association 64 out of 100, Moderate | 110 | 5.6% | 27.5% |
| 3 | Great Plains National Bank | 105 | 5.4% | — |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 93 | 4.8% | 39.5% |
| 5 | Rocket Mortgage, LLC | 87 | 4.5% | — |
| 6 | TINKER FEDERAL CREDIT UNION 83 out of 100, Strong | 74 | 3.8% | 33.6% |
| 7 | PLANET HOME LENDING, LLC | 70 | 3.6% | — |
| 8 | Mortgage Research Center, LLC | 68 | 3.5% | — |
| 9 | FINANCIAL CONCEPTS MORTGAGE, LLC | 66 | 3.4% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 65 | 3.3% | — |
| 11 | The Security National Bank of Enid 73 out of 100, Strong | 60 | 3.1% | 3.8% |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 52 | 2.7% | — |
| 13 | The Bank of Kremlin 84 out of 100, Strong | 45 | 2.3% | 1.8% |
| 14 | FREEDOM MORTGAGE CORPORATION | 36 | 1.8% | — |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 35 | 1.8% | — |
| 16 | NEWREZ LLC | 34 | 1.7% | — |
| 17 | 21st Mortgage Corporation | 33 | 1.7% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 30 | 1.5% | — |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 26 | 1.3% | 32.9% |
| 20 | BMO Bank National Association 83 out of 100, Strong | 24 | 1.2% | 40.5% |
| 21 | Stride Bank, National Association 69 out of 100, Moderate | 23 | 1.2% | 3.2% |
| 22 | InterBank 62 out of 100, Moderate | 23 | 1.2% | 11.3% |
| 23 | USAA Federal Savings Bank 64 out of 100, Moderate | 23 | 1.2% | 37.2% |
| 24 | BancFirst 71 out of 100, Strong | 22 | 1.1% | 10.2% |
| 25 | TRIAD FINANCIAL SERVICES, INC. | 21 | 1.1% | — |
| 26 | Broker Solutions, Inc. | 20 | 1.0% | — |
| 27 | NEW DAY FINANCIAL, LLC | 19 | 1.0% | — |
| 28 | Loandepot.Com, LLC | 18 | 0.9% | — |
| 29 | VANDERBILT MORTGAGE AND FINANCE, INC. | 17 | 0.9% | — |
| 30 | First Bank & Trust Company 78 out of 100, Strong | 17 | 0.9% | 10.9% |
| 31 | Communication Federal Credit Union 68 out of 100, Moderate | 17 | 0.9% | 14.9% |
| 32 | VILLAGE CAPITAL & INVESTMENT LLC | 16 | 0.8% | — |
| 33 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 15 | 0.8% | 14.1% |
| 34 | FIGURE LENDING LLC | 15 | 0.8% | — |
| 35 | Discover Bank | 13 | 0.7% | — |
| 36 | NBKC BANK | 13 | 0.7% | — |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 13 | 0.7% | — |
| 38 | AmeriSave Mortgage Corporation | 12 | 0.6% | — |
| 39 | Luminate Bank 47 out of 100, Below average | 11 | 0.6% | 4.3% |
| 40 | First United Bank and Trust Company 50 out of 100, Below average | 9 | 0.5% | 8.1% |
Top 40 of 160 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