Mortgage lending in Kay County, Oklahoma
Lenders in Kay County, Oklahoma reported 1,085 mortgage applications for 2025, according to the CFPB.
1,085 mortgage applications and 646 loans originated in 2025; the denial rate was 21.4% of 856 applications decided. The median loan was about $115,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Kay County, OK.
- 1,085
- Applications
- 646
- Loans originated
- 21.4%
- Denial rate
- 183 denied of 856 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,085 | 646 |
| 2024 | 1,013 | 611 |
| 2023 | 990 | 640 |
| 2022 | 1,347 | 845 |
| 2021 | 1,427 | 902 |
| 2020 | 1,289 | 827 |
| 2019 | 1,065 | 662 |
| 2018 | 1,039 | 705 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Flat Branch Mortgage, Inc. | 123 | 144 |
| First National Bank of Oklahoma | 69 | 75 |
| RCB Bank | 64 | 93 |
| Equity Bank | 53 | 94 |
| Bancfirst | 49 | 54 |
| Community National Bank & Trust | 34 | 39 |
| Rocket Mortgage | 33 | 54 |
| F&M Bank | 15 | 19 |
| United Wholesale Mortgage | 11 | 22 |
| Mortgage Research Center | 10 | 31 |
| Figure Lending LLC | 6 | 18 |
| Navy Federal Credit Union | 6 | 12 |
| Great Plains National Bank | 6 | 8 |
| Ameritrust Mortgage Corporation | 5 | 8 |
| loanDepot.com LLC | 5 | 11 |
| Newrez LLC | 5 | 19 |
| Arvest Bank | 5 | 5 |
| Gateway First Bank | 4 | 6 |
| First United Bank and Trust Co | 4 | 5 |
| Nationstar Mortgage | 4 | 7 |
| 21ST Mortgage | 4 | 23 |
| Pennymac Loan Services LLC | 4 | 15 |
| Coastal Community Bank | 3 | 16 |
| Zillow Home Loans, LLC | 3 | 3 |
| Associated Mortgage Corporation | 3 | 4 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 47 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 10 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 757 | 19.9% of 599 decided |
| 2 or more minority races | under 10 | |
| Joint | 63 | 22.6% of 53 decided |
| Race Not Available | 196 | 26.7% of 150 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 56 | no rate: base under 50 |
| Not Hispanic or Latino | 818 | 19.2% of 651 decided |
| Joint | 15 | no rate: base under 50 |
| Ethnicity Not Available | 196 | 29.4% of 153 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 395 | 22.6% of 301 decided |
| Female | 232 | 25.3% of 170 decided |
| Joint | 309 | 14.8% of 263 decided |
| Sex Not Available | 149 | 27.1% of 122 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. 2605 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