Largest lenders in Atoka County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 62 | 18 | 46.8% | 9.85% |
| 2 | Rocket Mortgage | C | 31 | 20 | 29.0% | 6.74% |
| 3 | First United Bank and Trust | C | 25 | 17 | 12.0% | 7.75% |
| 4 | Guild Mortgage | A | 23 | 10 | 8.7% | 6.69% |
| 5 | Triad Financial Services | D | 21 | 3 | 61.9% | 10.72% |
| 6 | Mortgage Research Center | C | 16 | 7 | 18.8% | 6.75% |
| 7 | Shamrock Bank | – | 12 | 12 | 0.0% | — |
| 8 | Broker Solutions | D | 11 | 1 | 9.1% | 7.25% |
| 9 | AmeriSave Mortgage | D | 10 | 1 | 70.0% | 8.75% |
| 10 | Gateway First Bank | B | 8 | 5 | 0.0% | 6.75% |
What Atoka County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Atoka County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 310 | 119 | 24.5% | 7.50% | $135,000 |
| 2024 | 280 | 125 | 31.4% | 7.25% | $125,000 |
| 2025 | 326 | 143 | 28.2% | 7.13% | $135,000 |
Frequently asked questions
28.2% of applications in Atoka County were denied in 2025, against 17.9% statewide in Oklahoma.
21st Mortgage, with 62 applications in 2025 and a denial rate of 46.8%.
The median mortgage application in Atoka County in 2025 was for $135,000; the median property value on originated loans was $195,000.