Mortgage lending in Lincoln County, Oklahoma
Lenders in Lincoln County, Oklahoma reported 1,472 mortgage applications for 2025, according to the CFPB.
1,472 mortgage applications and 760 loans originated in 2025; the denial rate was 27.8% of 1,156 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lincoln County, OK HUD Metro FMR Area.
- 1,472
- Applications
- 760
- Loans originated
- 27.8%
- Denial rate
- 321 denied of 1,156 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,472 | 760 |
| 2024 | 1,337 | 698 |
| 2023 | 1,272 | 636 |
| 2022 | 1,434 | 739 |
| 2021 | 1,566 | 870 |
| 2020 | 1,444 | 877 |
| 2019 | 1,127 | 675 |
| 2018 | 1,118 | 660 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bancfirst | 194 | 237 |
| Rocket Mortgage | 34 | 58 |
| First United Bank and Trust Co | 33 | 55 |
| First Bank and Trust Co | 28 | 38 |
| Payne County Bank | 24 | 27 |
| United Wholesale Mortgage | 24 | 44 |
| 21ST Mortgage | 24 | 119 |
| Vision Bank | 15 | 23 |
| Vanderbilt Mortgage and Finance, Inc | 14 | 72 |
| Great Plains National Bank | 14 | 17 |
| Arvest Bank | 14 | 23 |
| Mortgage Research Center | 13 | 38 |
| Stride Bank, National Association | 13 | 16 |
| Tinker Federal Credit Union | 13 | 25 |
| Lennar Mortgage, LLC | 12 | 17 |
| Paramount Residential Mortgage | 11 | 14 |
| Pennymac Loan Services LLC | 11 | 25 |
| Financial Concpepts Mortgage | 9 | 10 |
| Freedom Mortgage Corporation | 9 | 21 |
| Triad Financial Services, Inc. | 8 | 56 |
| Communication Federal Credit Union | 8 | 11 |
| Southwest Stage Funding LLC | 7 | 23 |
| Gold Star Mortgage Financial Group, Corporation | 7 | 13 |
| Kind Lending, LLC | 7 | 12 |
| Crosscountry Mortgage, LLC | 7 | 13 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 61 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 25 | no rate: base under 50 |
| White | 1,094 | 26.2% of 865 decided |
| 2 or more minority races | under 10 | |
| Joint | 108 | 29.9% of 87 decided |
| Race Not Available | 172 | 29.4% of 126 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 57 | no rate: base under 50 |
| Not Hispanic or Latino | 1,184 | 27.0% of 947 decided |
| Joint | 27 | no rate: base under 50 |
| Ethnicity Not Available | 204 | 31.1% of 148 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 529 | 32.9% of 417 decided |
| Female | 267 | 30.0% of 210 decided |
| Joint | 575 | 23.6% of 453 decided |
| Sex Not Available | 101 | 18.4% of 76 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. 1838 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