Mortgage lending in Osage County, Oklahoma
Lenders in Osage County, Oklahoma reported 1,683 mortgage applications for 2025, according to the CFPB.
1,683 mortgage applications and 857 loans originated in 2025; the denial rate was 28.5% of 1,297 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Tulsa, OK HUD Metro FMR Area.
- 1,683
- Applications
- 857
- Loans originated
- 28.5%
- Denial rate
- 370 denied of 1,297 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,683 | 857 |
| 2024 | 1,595 | 791 |
| 2023 | 1,570 | 779 |
| 2022 | 1,712 | 912 |
| 2021 | 2,223 | 1,258 |
| 2020 | 1,928 | 1,101 |
| 2019 | 1,505 | 831 |
| 2018 | 1,382 | 777 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Flat Branch Mortgage, Inc. | 55 | 66 |
| Rocket Mortgage | 54 | 82 |
| Bokf NA | 51 | 101 |
| Associated Mortgage Corporation | 33 | 34 |
| Arvest Bank | 33 | 66 |
| United Wholesale Mortgage | 26 | 41 |
| RCB Bank | 25 | 34 |
| American Bank of Oklahoma | 24 | 32 |
| TTCU Federal Credit Union | 23 | 34 |
| First United Bank and Trust Co | 20 | 27 |
| Bancfirst | 18 | 24 |
| Mortgage Research Center | 17 | 45 |
| Westreet Federal Credit Union | 16 | 34 |
| Waterstone Mortgage Corporation | 15 | 19 |
| The Mortgage Link, Inc. | 15 | 16 |
| 21ST Mortgage | 15 | 93 |
| Truity Federal Credit Union | 14 | 18 |
| American Heritage Bank | 13 | 25 |
| Armstrong Bank | 13 | 18 |
| Gateway First Bank | 12 | 18 |
| Pennymac Loan Services LLC | 11 | 24 |
| Stride Bank, National Association | 9 | 13 |
| DHI Mortgage Company, LTD. | 8 | 16 |
| Community National Bank & Trust | 8 | 11 |
| First National Bank of Oklahoma | 8 | 8 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 174 | 46.5% of 129 decided |
| Asian | under 10 | |
| Black or African American | 120 | 26.0% of 96 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 963 | 24.7% of 745 decided |
| 2 or more minority races | under 10 | |
| Joint | 161 | 36.6% of 123 decided |
| Race Not Available | 248 | 27.1% of 192 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 57 | no rate: base under 50 |
| Not Hispanic or Latino | 1,298 | 27.3% of 1,005 decided |
| Joint | 31 | no rate: base under 50 |
| Ethnicity Not Available | 297 | 33.5% of 224 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 534 | 29.6% of 405 decided |
| Female | 337 | 35.5% of 256 decided |
| Joint | 643 | 25.3% of 499 decided |
| Sex Not Available | 169 | 24.1% of 137 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. 1465 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