Mortgage lending in Stephens County, Oklahoma
Lenders in Stephens County, Oklahoma reported 1,401 mortgage applications for 2025, according to the CFPB.
1,401 mortgage applications and 826 loans originated in 2025; the denial rate was 20.7% of 1,125 applications decided. The median loan was about $110,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Stephens County, OK.
- 1,401
- Applications
- 826
- Loans originated
- 20.7%
- Denial rate
- 233 denied of 1,125 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,401 | 826 |
| 2024 | 1,338 | 811 |
| 2023 | 1,287 | 770 |
| 2022 | 1,554 | 960 |
| 2021 | 1,816 | 1,157 |
| 2020 | 1,636 | 1,048 |
| 2019 | 1,366 | 875 |
| 2018 | 1,328 | 871 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Bancfirst | 190 | 220 |
| Arvest Bank | 116 | 157 |
| First Bank and Trust Co | 64 | 88 |
| Rocket Mortgage | 48 | 80 |
| Mortgage Research Center | 32 | 59 |
| Guaranteed Rate, Inc. | 26 | 40 |
| FNB & Trust of Ardmore | 21 | 24 |
| Guild Mortgage Company | 19 | 30 |
| Legacy Bank | 18 | 26 |
| First United Bank and Trust Co | 12 | 19 |
| New American Funding, LLC. | 12 | 32 |
| United Wholesale Mortgage | 11 | 20 |
| Navy Federal Credit Union | 9 | 12 |
| Red Diamond Home Loans, LLC | 9 | 12 |
| Flat Branch Mortgage, Inc. | 9 | 11 |
| Freedom Mortgage Corporation | 8 | 23 |
| Associated Mortgage Corporation | 7 | 8 |
| New Day Financial, LLC. | 7 | 19 |
| 21ST Mortgage | 7 | 50 |
| Oklahoma Educators Credit Union | 6 | 9 |
| MLD Mortgage, Inc.dba the Money Store | 6 | 6 |
| Triad Financial Services, Inc. | 6 | 39 |
| Village Capital & Investment | 6 | 7 |
| Goodleap, LLC | 6 | 10 |
| Vanderbilt Mortgage and Finance, Inc | 5 | 25 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 49 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 20 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,051 | 19.1% of 854 decided |
| 2 or more minority races | under 10 | |
| Joint | 78 | 23.3% of 60 decided |
| Race Not Available | 193 | 22.1% of 158 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 69 | 16.1% of 56 decided |
| Not Hispanic or Latino | 1,060 | 19.8% of 854 decided |
| Joint | 34 | no rate: base under 50 |
| Ethnicity Not Available | 238 | 26.7% of 191 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 498 | 23.9% of 397 decided |
| Female | 246 | 27.1% of 192 decided |
| Joint | 521 | 13.5% of 421 decided |
| Sex Not Available | 136 | 25.2% of 115 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. 2634 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