Oklahoma · HMDA 2025
Mortgage lenders in Pontotoc County, OK
133 lenders reported 1,360 home-loan applications in Pontotoc County in 2025. 629 closed as loans ($118.1M), 216 were denied — a 24.0% denial rate on decided applications, above the Oklahoma rate of 22.6%. The three most active lenders handled 30% of applications, led by First United Bank and Trust Company. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,360
- Loans originated
- 629
- Purchase / refinance
- 382 / 161
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Pontotoc County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First United Bank and Trust Company 50 out of 100, Below average | 163 | 12.0% | 8.1% |
| 2 | Gateway First Bank 54 out of 100, Below average | 149 | 11.0% | 5.3% |
| 3 | Vision Bank | 95 | 7.0% | — |
| 4 | 21st Mortgage Corporation | 90 | 6.6% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 87 | 6.4% | — |
| 6 | Rocket Mortgage, LLC | 74 | 5.4% | — |
| 7 | Chickasaw Community Bank 47 out of 100, Below average | 54 | 4.0% | 34.1% |
| 8 | TINKER FEDERAL CREDIT UNION 83 out of 100, Strong | 32 | 2.4% | 33.6% |
| 9 | TRIAD FINANCIAL SERVICES, INC. | 27 | 2.0% | — |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 25 | 1.8% | — |
| 11 | Mortgage Research Center, LLC | 24 | 1.8% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 20 | 1.5% | — |
| 13 | CARRINGTON MORTGAGE SERVICES, LLC | 20 | 1.5% | — |
| 14 | U.S. Bank National Association 55 out of 100, Moderate | 19 | 1.4% | 39.5% |
| 15 | PLANET HOME LENDING, LLC | 18 | 1.3% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 18 | 1.3% | — |
| 17 | AmeriSave Mortgage Corporation | 16 | 1.2% | — |
| 18 | PLAZA HOME MORTGAGE, INC. | 16 | 1.2% | — |
| 19 | Communication Federal Credit Union 68 out of 100, Moderate | 16 | 1.2% | 14.9% |
| 20 | Broker Solutions, Inc. | 15 | 1.1% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 15 | 1.1% | — |
| 22 | GENEVA FINANCIAL, LLC | 15 | 1.1% | — |
| 23 | VANDERBILT MORTGAGE AND FINANCE, INC. | 13 | 1.0% | — |
| 24 | MICHIGAN MUTUAL, INC. | 13 | 1.0% | — |
| 25 | NEWREZ LLC | 12 | 0.9% | — |
| 26 | Equity Prime Mortgage LLC | 12 | 0.9% | — |
| 27 | EVERETT FINANCIAL, INC. | 11 | 0.8% | — |
| 28 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 10 | 0.7% | 14.1% |
| 29 | Loandepot.Com, LLC | 10 | 0.7% | — |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 0.7% | 32.9% |
| 31 | Click n' Close, Inc. | 9 | 0.7% | — |
| 32 | BETTER MORTGAGE CORPORATION | 9 | 0.7% | — |
| 33 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 8 | 0.6% | 74.7% |
| 34 | VILLAGE CAPITAL & INVESTMENT LLC | 8 | 0.6% | — |
| 35 | CANOPY MORTGAGE, LLC | 8 | 0.6% | — |
| 36 | Coastal Community Bank 35 out of 100, Low | 8 | 0.6% | 3.0% |
| 37 | Arvest Bank 57 out of 100, Moderate | 8 | 0.6% | 18.5% |
| 38 | Discover Bank | 6 | 0.4% | — |
| 39 | FIGURE LENDING LLC | 6 | 0.4% | — |
| 40 | AMERICAN FINANCING CORPORATION | 6 | 0.4% | — |
Top 40 of 133 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