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Cleveland County, Oklahoma · 2025

Mortgage lenders in Cleveland County, OK: denial rates and top lenders (2025)

372 lenders acted on 10,457 mortgage applications for properties in Cleveland County in 2025. 16.8% were denied (Oklahoma: 17.9%). Median rate on closed loans 6.63%; median loan $185,000; median property value $275,000.

10kApplications
16.8%Denial ratestate 17.9%
6.63%Median ratestate 6.63%
$185,000Median loan
$275,000Median property value

Largest lenders in Cleveland County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 First United Bank and Trust C 696518 5.8%7.00%
2 Rocket Mortgage C 500343 21.4%6.63%
3 21st Mortgage F 34854 54.3%10.53%
4 Tinker Federal Credit Union F 341166 27.3%7.49%
5 Mortgage Research Center C 305151 16.1%6.25%
6 United Shore Financial Services B 283194 12.0%6.00%
7 BOKF D 273154 24.2%6.75%
8 Gateway First Bank B 273195 3.3%6.50%
9 BancFirst C 265207 8.3%7.50%
10 Navy Federal Credit Union D 213102 17.4%6.75%
11 Stride Bank A 206172 3.4%5.99%
12 Arvest Bank C 198137 14.7%7.00%
13 WEOKIE Federal Credit Union D 197107 21.8%6.25%
14 Freedom Mortgage B 17373 11.0%6.25%
15 Great Plains National Bank B 160133 1.3%6.38%
16 Triad Financial Services D 16016 53.1%8.60%
17 Associated Mortgage A 152112 0.7%6.50%
18 Mld Mortgage A 151125 1.3%6.38%
19 Pennymac Loan Services C 14178 9.2%6.13%
20 MidFirst Bank B 13883 30.4%6.82%
21 Newrez D 12263 12.3%6.75%
22 Vanderbilt Mortgage and Finance F 11515 42.6%10.50%
23 Loandepot.Com D 10554 33.3%6.50%
24 Bank of America F 10333 35.9%6.24%
25 Coastal Community Bank C 10333 1.0%11.49%

Best approval odds in Cleveland County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Financial Concepts Mortgage850.0%
2Associated Mortgage1220.8%
3Union Home Mortgage801.3%
4Coastal Community Bank751.3%
5Mld Mortgage1351.5%
6Great Plains National Bank1351.5%
7CMG Mortgage571.8%
8Stride Bank1813.9%
9Gateway First Bank2084.3%
10Cwm Partners545.6%

What Cleveland County borrowers applied for

By loan purpose

Home purchase 5,466 52% · 11.3% denied
Refinance 1,482 14% · 12.6% denied
Cash-out refinance 1,705 16% · 24.8% denied
Home improvement 702 7% · 30.1% denied
Other / HELOC 1,102 11% · 29.0% denied

By loan type

Conventional 7,222 69% · 18.7% denied
FHA 1,674 16% · 13.6% denied
VA 1,530 15% · 11.4% denied
USDA / RHS 31 0% · 0.0% denied

Why applications were denied

Credit history 585 34%
Debt-to-income ratio 494 29%
Incomplete application 211 12%
Collateral 172 10%
Other 112 7%
Unverifiable information 74 4%
Insufficient cash 43 3%
Employment history 12 1%

Cleveland County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,8655,21817.6%7.00%$165,000
20249,3875,56516.9%6.99%$175,000
202510,4576,10016.8%6.63%$185,000

Frequently asked questions

16.8% of applications in Cleveland County were denied in 2025, against 17.9% statewide in Oklahoma.

First United Bank and Trust, with 696 applications in 2025 and a denial rate of 5.8%.

The median mortgage application in Cleveland County in 2025 was for $185,000; the median property value on originated loans was $275,000.