Largest lenders in Adair County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Arvest Bank | C | 94 | 45 | 22.3% | 6.88% |
| 2 | 21st Mortgage | F | 55 | 11 | 43.6% | 10.43% |
| 3 | Armstrong Bank | B | 45 | 24 | 13.3% | 7.05% |
| 4 | Vanderbilt Mortgage and Finance | F | 44 | 3 | 38.6% | 10.25% |
| 5 | Triad Financial Services | D | 34 | 5 | 41.2% | 10.48% |
| 6 | Rocket Mortgage | C | 30 | 19 | 23.3% | 6.50% |
| 7 | Southwest Stage Funding | F | 20 | 3 | 25.0% | 8.65% |
| 8 | Credit Human Federal Credit Union | D | 19 | 0 | 79.0% | — |
| 9 | Mortgage Research Center | C | 16 | 1 | 31.3% | 6.63% |
| 10 | Pennymac Loan Services | C | 13 | 5 | 15.4% | 9.50% |
| 11 | Unnamed lender 9845007CY0EC0F59W414 | C | 10 | 0 | 0.0% | — |
| 12 | United Built Homes | F | 10 | 1 | 30.0% | 8.99% |
| 13 | Mortgage Investment Services | C | 10 | 5 | 20.0% | 7.38% |
| 14 | Geneva Financial | C | 9 | 9 | 0.0% | 6.75% |
| 15 | Freedom Mortgage | B | 8 | 3 | 37.5% | 6.25% |
| 16 | Newrez | D | 8 | 2 | 0.0% | 6.56% |
| 17 | Flat Branch Mortgage | A | 7 | 5 | 0.0% | 6.50% |
| 18 | United Shore Financial Services | B | 6 | 4 | 0.0% | 6.12% |
| 19 | Guild Mortgage | A | 6 | 1 | 33.3% | 7.50% |
| 20 | Firstar Bank | B | 5 | 5 | 0.0% | 6.75% |
| 21 | Mutual of Omaha Mortgage | C | 5 | 3 | 0.0% | 6.25% |
| 22 | Countryplace Mortgage | F | 5 | 1 | 40.0% | 8.04% |
Best approval odds in Adair County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Arvest Bank | 68 | 30.9% |
What Adair County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Adair County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 380 | 162 | 26.3% | 7.13% | $115,000 |
| 2024 | 466 | 215 | 24.9% | 7.00% | $115,000 |
| 2025 | 578 | 216 | 26.5% | 6.88% | $125,000 |
Frequently asked questions
26.5% of applications in Adair County were denied in 2025, against 17.9% statewide in Oklahoma.
Arvest Bank, with 94 applications in 2025 and a denial rate of 22.3%.
The median mortgage application in Adair County in 2025 was for $125,000; the median property value on originated loans was $185,000.