Oklahoma · HMDA 2025
Mortgage lenders in Stephens County, OK
159 lenders reported 1,552 home-loan applications in Stephens County in 2025. 826 closed as loans ($125.5M), 233 were denied — a 20.7% denial rate on decided applications, below the Oklahoma rate of 22.6%. The three most active lenders handled 30% of applications, led by BancFirst. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,552
- Loans originated
- 826
- Purchase / refinance
- 443 / 251
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Stephens County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | BancFirst 71 out of 100, Strong | 220 | 14.2% | 10.2% |
| 2 | Arvest Bank 57 out of 100, Moderate | 157 | 10.1% | 18.5% |
| 3 | First Bank & Trust Co. | 88 | 5.7% | — |
| 4 | Rocket Mortgage, LLC | 81 | 5.2% | — |
| 5 | Mortgage Research Center, LLC | 59 | 3.8% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 55 | 3.5% | — |
| 7 | 21st Mortgage Corporation | 50 | 3.2% | — |
| 8 | GUARANTEED RATE, INC. | 40 | 2.6% | — |
| 9 | TRIAD FINANCIAL SERVICES, INC. | 39 | 2.5% | — |
| 10 | Broker Solutions, Inc. | 32 | 2.1% | — |
| 11 | GUILD MORTGAGE COMPANY | 30 | 1.9% | — |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 28 | 1.8% | — |
| 13 | VANDERBILT MORTGAGE AND FINANCE, INC. | 26 | 1.7% | — |
| 14 | Legacy Bank 36 out of 100, Low | 26 | 1.7% | 13.0% |
| 15 | First National Bank and Trust Company of Ardmore 79 out of 100, Strong | 24 | 1.5% | 6.7% |
| 16 | FREEDOM MORTGAGE CORPORATION | 24 | 1.5% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 23 | 1.5% | 14.1% |
| 18 | PLANET HOME LENDING, LLC | 23 | 1.5% | — |
| 19 | UNITED SHORE FINANCIAL SERVICES, LLC | 20 | 1.3% | — |
| 20 | U.S. Bank National Association 55 out of 100, Moderate | 19 | 1.2% | 39.5% |
| 21 | First United Bank and Trust Company 50 out of 100, Below average | 19 | 1.2% | 8.1% |
| 22 | NEW DAY FINANCIAL, LLC | 19 | 1.2% | — |
| 23 | NEWREZ LLC | 17 | 1.1% | — |
| 24 | VILLAGE CAPITAL & INVESTMENT LLC | 14 | 0.9% | — |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 12 | 0.8% | 32.9% |
| 26 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 12 | 0.8% | 74.7% |
| 27 | AmeriSave Mortgage Corporation | 11 | 0.7% | — |
| 28 | FLAT BRANCH MORTGAGE, INC. | 11 | 0.7% | — |
| 29 | COUNTRYPLACE MORTGAGE, LTD. | 10 | 0.6% | — |
| 30 | CARRINGTON MORTGAGE SERVICES, LLC | 10 | 0.6% | — |
| 31 | GoodLeap, LLC | 10 | 0.6% | — |
| 32 | Loandepot.Com, LLC | 9 | 0.6% | — |
| 33 | Oklahoma Educators Credit Union 72 out of 100, Strong | 9 | 0.6% | 16.2% |
| 34 | PHH Mortgage Corporation | 9 | 0.6% | — |
| 35 | FIGURE LENDING LLC | 8 | 0.5% | — |
| 36 | ASSOCIATED MORTGAGE CORPORATION | 8 | 0.5% | — |
| 37 | PLAZA HOME MORTGAGE, INC. | 8 | 0.5% | — |
| 38 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 7 | 0.5% | 2.2% |
| 39 | NATIONSTAR MORTGAGE LLC | 7 | 0.5% | — |
| 40 | TINKER FEDERAL CREDIT UNION 83 out of 100, Strong | 7 | 0.5% | 33.6% |
Top 40 of 159 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