Mortgage lending in Alfalfa County, Oklahoma

Lenders in Alfalfa County, Oklahoma reported 72 mortgage applications for 2025, according to the CFPB.

72 mortgage applications and 29 loans originated in 2025; the denial rate was 42.9% of 56 applications decided. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Alfalfa County, OK.

72
Applications: 29
Loans originated: 42.9%
Denial rate: 24 denied of 56 applications decided.

Every year

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Mortgage applications and loans originated in Alfalfa County, Oklahoma, by year
Year	Applications	Originated	Denied
2025	72	29	24
2024	71	28	25
2023	61	38	12
2022	60	30	16
2021	67	39	18
2020	72	38	19
2019	78	45	16
2018	68	41	12

The largest lenders here

Lenders in Alfalfa County, Oklahoma by loans originated, 2025
Lender	Originated	Applications
American Mortgage Bank	4	4
Gateway First Bank	4	5
Rocket Mortgage	4	8
Communication Federal Credit Union	2	3
21ST Mortgage	2	3
Pennymac Loan Services LLC	2	2
Oklahoma Educators Credit Union	1	1
Planet Home Lending, LLC	1	2
New American Funding, LLC.	1	1
Newrez LLC	1	1
United Wholesale Mortgage	1	3
Consumer Real Estate Finance Co DBA Society Mortgage	1	1
Truity Federal Credit Union	1	1
Oklahoma's Credit Union	1	1
Cardinal Financial Company, Li	1	4
Security National Bank	1	1
Arvest Bank	1	1
Cowboy Bank	0	1
AmeriHome Mortgage Company, LLC	0	0
Figure Lending LLC	0	0
BMO Harris Bank NA	0	1
Coastal Community Bank	0	1
Southwest Stage Funding LLC	0	1
Sofi Bank, National Association	0	1
US Employees OC Federal Credit Union	0	1

Applications by race, ethnicity and sex, 2025

By race, Alfalfa County, Oklahoma: applications and denial rate
Category	Applications	Denial rate
White	59	no rate: base under 50
Joint	under 10
Race Not Available	withheld

By ethnicity, Alfalfa County, Oklahoma: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	53	no rate: base under 50
Joint	under 10
Ethnicity Not Available	13	no rate: base under 50

By sex, Alfalfa County, Oklahoma: applications and denial rate
Category	Applications	Denial rate
Male	35	no rate: base under 50
Female	15	no rate: base under 50
Joint	withheld
Sex Not Available	under 10

A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.

Sources

HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026

Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built

Data retrieved October 22, 2026