Mortgage lending in Pontotoc County, Oklahoma
Lenders in Pontotoc County, Oklahoma reported 1,187 mortgage applications for 2025, according to the CFPB.
1,187 mortgage applications and 629 loans originated in 2025; the denial rate was 24.0% of 901 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Pontotoc County, OK.
- 1,187
- Applications
- 629
- Loans originated
- 24.0%
- Denial rate
- 216 denied of 901 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,187 | 629 |
| 2024 | 1,000 | 510 |
| 2023 | 877 | 494 |
| 2022 | 1,133 | 696 |
| 2021 | 1,491 | 943 |
| 2020 | 1,503 | 995 |
| 2019 | 975 | 639 |
| 2018 | 950 | 577 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First United Bank and Trust Co | 116 | 163 |
| Gateway First Bank | 102 | 149 |
| Vision Bank | 75 | 95 |
| Rocket Mortgage | 45 | 72 |
| Chickasaw Community Bank | 22 | 54 |
| Tinker Federal Credit Union | 16 | 32 |
| United Wholesale Mortgage | 14 | 25 |
| Pennymac Loan Services LLC | 13 | 25 |
| Mortgage Research Center | 11 | 24 |
| 21ST Mortgage | 11 | 90 |
| Geneva Financial LLC | 10 | 15 |
| Michigan Mutual, Inc | 10 | 13 |
| Communication Federal Credit Union | 8 | 15 |
| Plaza Home Mortgage, Inc | 7 | 7 |
| Navy Federal Credit Union | 6 | 9 |
| Nationstar Mortgage | 6 | 6 |
| Freedom Mortgage Corporation | 6 | 11 |
| Everett Financial, Inc. | 6 | 11 |
| Arvest Bank | 6 | 8 |
| Click n' Close, Inc. | 5 | 9 |
| loanDepot.com LLC | 5 | 10 |
| Simmons Bank | 5 | 5 |
| V.i.p. Mortgage, Inc. | 5 | 5 |
| Amerisave Mortgage Company | 5 | 16 |
| Bancfirst | 4 | 6 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 185 | 39.6% of 134 decided |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 642 | 20.6% of 500 decided |
| 2 or more minority races | under 10 | |
| Joint | 148 | 15.1% of 106 decided |
| Race Not Available | 193 | 26.7% of 146 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 48 | no rate: base under 50 |
| Not Hispanic or Latino | 912 | 22.5% of 694 decided |
| Joint | 29 | no rate: base under 50 |
| Ethnicity Not Available | 198 | 32.0% of 153 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 344 | 24.8% of 266 decided |
| Female | 237 | 33.9% of 177 decided |
| Joint | 475 | 17.9% of 358 decided |
| Sex Not Available | 131 | 26.0% of 100 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. 1636 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