Oklahoma · HMDA 2025
Mortgage lenders in Osage County, OK
194 lenders reported 1,933 home-loan applications in Osage County in 2025. 857 closed as loans ($175.4M), 370 were denied — a 28.5% denial rate on decided applications, above the Oklahoma rate of 22.6%. The three most active lenders handled 14% of applications, led by BOKF, National Association. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,933
- Loans originated
- 857
- Purchase / refinance
- 422 / 271
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Osage County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | BOKF, National Association 64 out of 100, Moderate | 101 | 5.2% | 27.5% |
| 2 | 21st Mortgage Corporation | 94 | 4.9% | — |
| 3 | Rocket Mortgage, LLC | 83 | 4.3% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 76 | 3.9% | — |
| 5 | FLAT BRANCH MORTGAGE, INC. | 66 | 3.4% | — |
| 6 | Arvest Bank 57 out of 100, Moderate | 66 | 3.4% | 18.5% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 63 | 3.3% | — |
| 8 | TRIAD FINANCIAL SERVICES, INC. | 54 | 2.8% | — |
| 9 | NEWREZ LLC | 46 | 2.4% | — |
| 10 | Mortgage Research Center, LLC | 45 | 2.3% | — |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 41 | 2.1% | — |
| 12 | U.S. Bank National Association 55 out of 100, Moderate | 41 | 2.1% | 39.5% |
| 13 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 41 | 2.1% | 74.7% |
| 14 | Tulsa Federal Credit Union | 38 | 2.0% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 37 | 1.9% | 14.1% |
| 16 | PLANET HOME LENDING, LLC | 37 | 1.9% | — |
| 17 | RCB Bank 72 out of 100, Strong | 34 | 1.8% | 9.7% |
| 18 | TTCU Federal Credit Union 73 out of 100, Strong | 34 | 1.8% | 18.1% |
| 19 | ASSOCIATED MORTGAGE CORPORATION | 34 | 1.8% | — |
| 20 | American Bank of Oklahoma | 32 | 1.7% | — |
| 21 | First United Bank and Trust Company 50 out of 100, Below average | 27 | 1.4% | 8.1% |
| 22 | FREEDOM MORTGAGE CORPORATION | 27 | 1.4% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 26 | 1.3% | — |
| 24 | American Heritage Bank | 25 | 1.3% | — |
| 25 | BancFirst 71 out of 100, Strong | 24 | 1.2% | 10.2% |
| 26 | NATIONSTAR MORTGAGE LLC | 22 | 1.1% | — |
| 27 | Waterstone Mortgage Corporation | 19 | 1.0% | — |
| 28 | Gateway First Bank 54 out of 100, Below average | 18 | 0.9% | 5.3% |
| 29 | Armstrong Bank 74 out of 100, Strong | 18 | 0.9% | 9.7% |
| 30 | Truity Federal Credit Union 52 out of 100, Below average | 18 | 0.9% | 13.1% |
| 31 | Bank of America, National Association 59 out of 100, Moderate | 17 | 0.9% | 44.7% |
| 32 | DHI MORTGAGE COMPANY, LTD. | 16 | 0.8% | — |
| 33 | SOUTHWEST STAGE FUNDING, LLC | 16 | 0.8% | — |
| 34 | THE MORTGAGE LINK, INC. | 16 | 0.8% | — |
| 35 | Navy Federal Credit Union 66 out of 100, Moderate | 15 | 0.8% | 32.9% |
| 36 | Broker Solutions, Inc. | 15 | 0.8% | — |
| 37 | AmeriSave Mortgage Corporation | 15 | 0.8% | — |
| 38 | PHH Mortgage Corporation | 14 | 0.7% | — |
| 39 | Loandepot.Com, LLC | 13 | 0.7% | — |
| 40 | Stride Bank, National Association 69 out of 100, Moderate | 13 | 0.7% | 3.2% |
Top 40 of 194 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