Oklahoma · HMDA 2025
Mortgage lenders in Kay County, OK
150 lenders reported 1,323 home-loan applications in Kay County in 2025. 646 closed as loans ($89.6M), 183 were denied — a 21.4% denial rate on decided applications, below the Oklahoma rate of 22.6%. The three most active lenders handled 25% of applications, led by FLAT BRANCH MORTGAGE, INC.. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,323
- Loans originated
- 646
- Purchase / refinance
- 387 / 158
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Kay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | FLAT BRANCH MORTGAGE, INC. | 145 | 11.0% | — |
| 2 | Equity Bank 65 out of 100, Moderate | 94 | 7.1% | 18.4% |
| 3 | RCB Bank 72 out of 100, Strong | 93 | 7.0% | 9.7% |
| 4 | First National Bank Of Oklahoma 66 out of 100, Moderate | 75 | 5.7% | 1.3% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 70 | 5.3% | — |
| 6 | Rocket Mortgage, LLC | 56 | 4.2% | — |
| 7 | BancFirst 71 out of 100, Strong | 54 | 4.1% | 10.2% |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 52 | 3.9% | 39.5% |
| 9 | Community National Bank & Trust 65 out of 100, Moderate | 39 | 2.9% | 5.6% |
| 10 | PLANET HOME LENDING, LLC | 35 | 2.6% | — |
| 11 | Mortgage Research Center, LLC | 31 | 2.3% | — |
| 12 | NEWREZ LLC | 29 | 2.2% | — |
| 13 | AmeriSave Mortgage Corporation | 27 | 2.0% | — |
| 14 | FIGURE LENDING LLC | 25 | 1.9% | — |
| 15 | 21st Mortgage Corporation | 23 | 1.7% | — |
| 16 | UNITED SHORE FINANCIAL SERVICES, LLC | 22 | 1.7% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 22 | 1.7% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 20 | 1.5% | 14.1% |
| 19 | Broker Solutions, Inc. | 19 | 1.4% | — |
| 20 | F&M Bank 71 out of 100, Strong | 19 | 1.4% | 3.9% |
| 21 | FREEDOM MORTGAGE CORPORATION | 18 | 1.4% | — |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 16 | 1.2% | — |
| 23 | Coastal Community Bank 35 out of 100, Low | 16 | 1.2% | 3.0% |
| 24 | MORTGAGE CLEARING CORPORATION | 13 | 1.0% | — |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 12 | 0.9% | 32.9% |
| 26 | Loandepot.Com, LLC | 11 | 0.8% | — |
| 27 | AMERITRUST MORTGAGE CORPORATION | 8 | 0.6% | — |
| 28 | Great Plains National Bank | 8 | 0.6% | — |
| 29 | TRIAD FINANCIAL SERVICES, INC. | 7 | 0.5% | — |
| 30 | BETTER MORTGAGE CORPORATION | 7 | 0.5% | — |
| 31 | BOKF, National Association 64 out of 100, Moderate | 7 | 0.5% | 27.5% |
| 32 | PHH Mortgage Corporation | 7 | 0.5% | — |
| 33 | Gateway First Bank 54 out of 100, Below average | 6 | 0.5% | 5.3% |
| 34 | SOFI BANK, NATIONAL ASSOCIATION | 6 | 0.5% | — |
| 35 | NEW DAY FINANCIAL, LLC | 6 | 0.5% | — |
| 36 | TINKER FEDERAL CREDIT UNION 83 out of 100, Strong | 6 | 0.5% | 33.6% |
| 37 | SOUTHWEST STAGE FUNDING, LLC | 5 | 0.4% | — |
| 38 | Kiavi Funding, Inc. | 5 | 0.4% | — |
| 39 | Armed Forces Bank, National Association 83 out of 100, Strong | 5 | 0.4% | 20.4% |
| 40 | First United Bank and Trust Company 50 out of 100, Below average | 5 | 0.4% | 8.1% |
Top 40 of 150 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