The Payne County Bank in Oklahoma vs the state
4.5%Denial rate-13.46 pts vs state
4.8%Decision denial rate-18.11 pts vs state
87.5%Origination rate+31.40 pts vs state
—Median rate
—Rate spread (pts)
$105kMedian applicant income
98Loans originated
5Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 124 | 98 | 10.5% | — | #147 |
| 2024 | 135 | 109 | 11.9% | — | #145 |
| 2025 | 112 | 98 | 4.5% | — | #174 |
What The Payne County Bank lends in Oklahoma
By loan purpose
By loan type
Where in Oklahoma
Counties with the most The Payne County Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Payne County | 58 | 53 | 3 | 5.2% |
| Lincoln County | 27 | 24 | 0 | 0.0% |
| Pottawatomie County | 9 | 8 | 0 | 0.0% |
| Creek County | 7 | 4 | 2 | 28.6% |
| Logan County | 6 | 5 | 0 | 0.0% |
| Kay County | 2 | 1 | 0 | 0.0% |
| McCurtain County | 2 | 2 | 0 | 0.0% |
| Tulsa County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 112 applications in 2025, of which 98 were originated and 5 denied.
4.5% of all applications, or 4.8% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Payne County Bank's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology