Oklahoma · HMDA 2025
Mortgage lenders in Payne County, OK
235 lenders reported 2,472 home-loan applications in Payne County in 2025. 1,247 closed as loans ($301.6M), 316 were denied — a 19.2% denial rate on decided applications, below the Oklahoma rate of 22.6%. The three most active lenders handled 19% of applications, led by BancFirst. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,472
- Loans originated
- 1,247
- Purchase / refinance
- 799 / 282
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Payne County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | BancFirst 71 out of 100, Strong | 230 | 9.3% | 10.2% |
| 2 | PENNYMAC LOAN SERVICES, LLC | 133 | 5.4% | — |
| 3 | Rocket Mortgage, LLC | 116 | 4.7% | — |
| 4 | Great Plains National Bank | 108 | 4.4% | — |
| 5 | Simmons Bank 60 out of 100, Moderate | 96 | 3.9% | 26.5% |
| 6 | 21st Mortgage Corporation | 78 | 3.2% | — |
| 7 | AMERIHOME MORTGAGE COMPANY, LLC | 66 | 2.7% | — |
| 8 | The Payne County Bank 83 out of 100, Strong | 58 | 2.3% | 4.6% |
| 9 | SENTE MORTGAGE, INC. | 58 | 2.3% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 56 | 2.3% | 14.1% |
| 11 | RCB Bank 72 out of 100, Strong | 55 | 2.2% | 9.7% |
| 12 | Arvest Bank 57 out of 100, Moderate | 53 | 2.1% | 18.5% |
| 13 | NEWREZ LLC | 49 | 2.0% | — |
| 14 | LENDLO MORTGAGE, LLC | 49 | 2.0% | — |
| 15 | Mortgage Research Center, LLC | 46 | 1.9% | — |
| 16 | PLANET HOME LENDING, LLC | 46 | 1.9% | — |
| 17 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 46 | 1.9% | 2.2% |
| 18 | VANDERBILT MORTGAGE AND FINANCE, INC. | 39 | 1.6% | — |
| 19 | U.S. Bank National Association 55 out of 100, Moderate | 39 | 1.6% | 39.5% |
| 20 | TRIAD FINANCIAL SERVICES, INC. | 38 | 1.5% | — |
| 21 | UNITED SHORE FINANCIAL SERVICES, LLC | 36 | 1.5% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 34 | 1.4% | — |
| 23 | MORTGAGE CLEARING CORPORATION | 33 | 1.3% | — |
| 24 | TINKER FEDERAL CREDIT UNION 83 out of 100, Strong | 32 | 1.3% | 33.6% |
| 25 | NATIONSTAR MORTGAGE LLC | 30 | 1.2% | — |
| 26 | First United Bank and Trust Company 50 out of 100, Below average | 28 | 1.1% | 8.1% |
| 27 | PHH Mortgage Corporation | 26 | 1.1% | — |
| 28 | LENNAR MORTGAGE, LLC | 20 | 0.8% | — |
| 29 | Broker Solutions, Inc. | 18 | 0.7% | — |
| 30 | The Bank, National Association | 18 | 0.7% | — |
| 31 | Bank of America, National Association 59 out of 100, Moderate | 17 | 0.7% | 44.7% |
| 32 | Navy Federal Credit Union 66 out of 100, Moderate | 16 | 0.6% | 32.9% |
| 33 | FIGURE LENDING LLC | 16 | 0.6% | — |
| 34 | Loandepot.Com, LLC | 15 | 0.6% | — |
| 35 | First Bank & Trust Co. | 15 | 0.6% | — |
| 36 | VILLAGE CAPITAL & INVESTMENT LLC | 15 | 0.6% | — |
| 37 | BOKF, National Association 64 out of 100, Moderate | 15 | 0.6% | 27.5% |
| 38 | AmeriSave Mortgage Corporation | 13 | 0.5% | — |
| 39 | SOUTHWEST STAGE FUNDING, LLC | 13 | 0.5% | — |
| 40 | Stride Bank, National Association 69 out of 100, Moderate | 13 | 0.5% | 3.2% |
Top 40 of 235 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