Mortgage lending in Cotton County, Oklahoma
Lenders in Cotton County, Oklahoma reported 172 mortgage applications for 2025, according to the CFPB.
172 mortgage applications and 94 loans originated in 2025; the denial rate was 25.2% of 135 applications decided. The median loan was about $105,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cotton County, OK HUD Metro FMR Area.
- 172
- Applications
- 94
- Loans originated
- 25.2%
- Denial rate
- 34 denied of 135 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 172 | 94 |
| 2024 | 125 | 73 |
| 2023 | 148 | 82 |
| 2022 | 145 | 73 |
| 2021 | 144 | 66 |
| 2020 | 127 | 75 |
| 2019 | 162 | 101 |
| 2018 | 145 | 79 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Walters Bank & Trust Co | 29 | 40 |
| 21ST Mortgage | 5 | 18 |
| Network Funding, L.P. | 4 | 4 |
| Mortgage Research Center | 4 | 7 |
| Bancfirst | 4 | 4 |
| Arvest Bank | 4 | 5 |
| First United Bank and Trust Co | 3 | 4 |
| Rocket Mortgage | 3 | 3 |
| United Wholesale Mortgage | 3 | 4 |
| Paramount Residential Mortgage | 2 | 2 |
| Triad Financial Services, Inc. | 2 | 14 |
| City National Bank and Trust | 2 | 3 |
| Guaranteed Rate, Inc. | 2 | 2 |
| Figure Lending LLC | 1 | 1 |
| MidFirst Bank | 1 | 1 |
| American Nation Bank | 1 | 1 |
| Navy Federal Credit Union | 1 | 2 |
| Financial Concpepts Mortgage | 1 | 1 |
| Associated Mortgage Corporation | 1 | 1 |
| Farm Credit Mid-America, Aca | 1 | 1 |
| Southwest Funding LP | 1 | 3 |
| loanDepot.com LLC | 1 | 1 |
| Guild Mortgage Company | 1 | 1 |
| Cornerstone Capital Bank, SSB | 1 | 1 |
| Prosperity Bank | 1 | 1 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 10 | no rate: base under 50 |
| Black or African American | under 10 | |
| White | 138 | 20.0% of 105 decided |
| Joint | under 10 | |
| Race Not Available | 12 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 147 | 23.5% of 115 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 11 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 68 | 27.5% of 51 decided |
| Female | withheld | |
| Joint | 74 | 24.1% of 58 decided |
| 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.
Rankings this appears in
- No. 2714 Counties by median mortgage
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