Oklahoma · HMDA 2025
Mortgage lenders in Lincoln County, OK
177 lenders reported 1,635 home-loan applications in Lincoln County in 2025. 760 closed as loans ($137.8M), 321 were denied — a 27.8% denial rate on decided applications, above the Oklahoma rate of 22.6%. The three most active lenders handled 26% of applications, led by BancFirst. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,635
- Loans originated
- 760
- Purchase / refinance
- 418 / 220
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lincoln County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | BancFirst 71 out of 100, Strong | 237 | 14.5% | 10.2% |
| 2 | 21st Mortgage Corporation | 119 | 7.3% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 73 | 4.5% | — |
| 4 | Rocket Mortgage, LLC | 58 | 3.5% | — |
| 5 | TRIAD FINANCIAL SERVICES, INC. | 56 | 3.4% | — |
| 6 | First United Bank and Trust Company 50 out of 100, Below average | 55 | 3.4% | 8.1% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 54 | 3.3% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 44 | 2.7% | — |
| 9 | Mortgage Research Center, LLC | 38 | 2.3% | — |
| 10 | First Bank & Trust Co. | 38 | 2.3% | — |
| 11 | NEWREZ LLC | 28 | 1.7% | — |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 27 | 1.7% | — |
| 13 | The Payne County Bank 83 out of 100, Strong | 27 | 1.7% | 4.6% |
| 14 | PLANET HOME LENDING, LLC | 27 | 1.7% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 25 | 1.5% | — |
| 16 | TINKER FEDERAL CREDIT UNION 83 out of 100, Strong | 25 | 1.5% | 33.6% |
| 17 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 24 | 1.5% | 74.7% |
| 18 | SOUTHWEST STAGE FUNDING, LLC | 23 | 1.4% | — |
| 19 | Vision Bank | 23 | 1.4% | — |
| 20 | Arvest Bank 57 out of 100, Moderate | 23 | 1.4% | 18.5% |
| 21 | LENNAR MORTGAGE, LLC | 17 | 1.0% | — |
| 22 | U.S. Bank National Association 55 out of 100, Moderate | 17 | 1.0% | 39.5% |
| 23 | Great Plains National Bank | 17 | 1.0% | — |
| 24 | AmeriSave Mortgage Corporation | 16 | 1.0% | — |
| 25 | Stride Bank, National Association 69 out of 100, Moderate | 16 | 1.0% | 3.2% |
| 26 | Paramount Residential Mortgage Group, Inc. | 15 | 0.9% | — |
| 27 | CROSSCOUNTRY MORTGAGE, INC. | 13 | 0.8% | — |
| 28 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 13 | 0.8% | — |
| 29 | Loandepot.Com, LLC | 12 | 0.7% | — |
| 30 | KIND LENDING, LLC | 12 | 0.7% | — |
| 31 | PHH Mortgage Corporation | 12 | 0.7% | — |
| 32 | Equity Prime Mortgage LLC | 11 | 0.7% | — |
| 33 | VILLAGE CAPITAL & INVESTMENT LLC | 11 | 0.7% | — |
| 34 | Communication Federal Credit Union 68 out of 100, Moderate | 11 | 0.7% | 14.9% |
| 35 | FINANCIAL CONCEPTS MORTGAGE, LLC | 10 | 0.6% | — |
| 36 | NATIONSTAR MORTGAGE LLC | 10 | 0.6% | — |
| 37 | TRUE SKY CREDIT UNION | 10 | 0.6% | — |
| 38 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 0.6% | 14.1% |
| 39 | Broker Solutions, Inc. | 9 | 0.6% | — |
| 40 | Discover Bank | 9 | 0.6% | — |
Top 40 of 177 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