Mortgage lending in Garfield County, Oklahoma
Lenders in Garfield County, Oklahoma reported 1,621 mortgage applications for 2025, according to the CFPB.
1,621 mortgage applications and 977 loans originated in 2025; the denial rate was 19.8% of 1,285 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Enid, OK MSA.
- 1,621
- Applications
- 977
- Loans originated
- 19.8%
- Denial rate
- 254 denied of 1,285 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,621 | 977 |
| 2024 | 1,495 | 951 |
| 2023 | 1,393 | 914 |
| 2022 | 1,562 | 1,032 |
| 2021 | 2,213 | 1,495 |
| 2020 | 2,140 | 1,430 |
| 2019 | 1,640 | 1,106 |
| 2018 | 1,597 | 1,049 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Gateway First Bank | 169 | 214 |
| Great Plains National Bank | 85 | 105 |
| Financial Concpepts Mortgage | 65 | 66 |
| Bokf NA | 60 | 110 |
| Rocket Mortgage | 58 | 84 |
| Security National Bank | 56 | 60 |
| Cowboy Bank | 45 | 45 |
| Mortgage Research Center | 36 | 68 |
| Tinker Federal Credit Union | 34 | 74 |
| United Wholesale Mortgage | 20 | 35 |
| Stride Bank, National Association | 19 | 23 |
| Interbank | 19 | 23 |
| Bancfirst | 17 | 22 |
| NBKC Bank | 12 | 13 |
| Freedom Mortgage Corporation | 11 | 27 |
| First Bank & Trust Company, Perry, Oklahoma | 11 | 16 |
| Navy Federal Credit Union | 10 | 26 |
| Usaa Federal Savings Bank | 10 | 23 |
| BMO Harris Bank NA | 9 | 24 |
| Communication Federal Credit Union | 9 | 16 |
| Luminate Bank | 8 | 11 |
| Equity Bank | 8 | 8 |
| Pennymac Loan Services LLC | 8 | 27 |
| First United Bank and Trust Co | 7 | 9 |
| Nationstar Mortgage | 7 | 10 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 48 | no rate: base under 50 |
| Asian | 26 | no rate: base under 50 |
| Black or African American | 29 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,167 | 19.1% of 942 decided |
| 2 or more minority races | under 10 | |
| Joint | 62 | 16.0% of 50 decided |
| Race Not Available | 279 | 20.9% of 206 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 181 | 20.5% of 146 decided |
| Not Hispanic or Latino | 1,122 | 20.0% of 896 decided |
| Joint | 40 | no rate: base under 50 |
| Ethnicity Not Available | 278 | 20.2% of 213 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 609 | 22.1% of 466 decided |
| Female | 298 | 25.7% of 249 decided |
| Joint | 550 | 14.7% of 441 decided |
| Sex Not Available | 164 | 17.1% of 129 decided |
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. 2053 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