Mortgage lending in Payne County, Oklahoma
Lenders in Payne County, Oklahoma reported 2,024 mortgage applications for 2025, according to the CFPB.
2,024 mortgage applications and 1,247 loans originated in 2025; the denial rate was 19.2% of 1,646 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Payne County, OK.
- 2,024
- Applications
- 1,247
- Loans originated
- 19.2%
- Denial rate
- 316 denied of 1,646 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,024 | 1,247 |
| 2024 | 1,778 | 1,131 |
| 2023 | 1,558 | 985 |
| 2022 | 2,009 | 1,231 |
| 2021 | 2,684 | 1,738 |
| 2020 | 2,442 | 1,587 |
| 2019 | 1,718 | 1,161 |
| 2018 | 1,527 | 1,013 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bancfirst | 191 | 230 |
| Great Plains National Bank | 93 | 108 |
| Rocket Mortgage | 74 | 113 |
| Simmons Bank | 71 | 96 |
| Payne County Bank | 53 | 58 |
| Lendlo Mortgage, LLC | 44 | 49 |
| RCB Bank | 42 | 55 |
| Arvest Bank | 38 | 53 |
| Sente Mortgage, Inc. | 36 | 58 |
| Tinker Federal Credit Union | 24 | 32 |
| Mortgage Research Center | 22 | 46 |
| United Wholesale Mortgage | 22 | 36 |
| First United Bank and Trust Co | 18 | 28 |
| The Bank, National Association | 18 | 18 |
| Lennar Mortgage, LLC | 16 | 20 |
| JPMorgan Chase Bank, NA | 15 | 25 |
| Pennymac Loan Services LLC | 15 | 37 |
| First Bank and Trust Co | 14 | 15 |
| Nationstar Mortgage | 14 | 18 |
| 21ST Mortgage | 13 | 78 |
| Bokf NA | 12 | 15 |
| CWM Partners, LP dba Citywide Mortgage | 11 | 13 |
| loanDepot.com LLC | 10 | 15 |
| Flat Branch Mortgage, Inc. | 10 | 12 |
| Stride Bank, National Association | 10 | 13 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 83 | 32.8% of 58 decided |
| Asian | 44 | no rate: base under 50 |
| Black or African American | 34 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,402 | 18.7% of 1,136 decided |
| 2 or more minority races | under 10 | |
| Joint | 113 | 20.6% of 102 decided |
| Race Not Available | 337 | 16.2% of 284 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 68 | 23.1% of 52 decided |
| Not Hispanic or Latino | 1,542 | 19.6% of 1,248 decided |
| Joint | withheld | |
| Ethnicity Not Available | 376 | 16.4% of 312 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 647 | 21.4% of 509 decided |
| Female | 325 | 24.1% of 266 decided |
| Joint | 812 | 17.1% of 662 decided |
| Sex Not Available | 240 | 14.3% of 209 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. 1300 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