Largest lenders in Creek County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 181 | 40 | 45.3% | 9.54% |
| 2 | Rocket Mortgage | C | 167 | 113 | 22.8% | 6.63% |
| 3 | First United Bank and Trust | C | 132 | 98 | 6.1% | 6.88% |
| 4 | BOKF | D | 131 | 74 | 22.9% | 6.69% |
| 5 | Arvest Bank | C | 122 | 71 | 18.0% | 6.88% |
| 6 | Vanderbilt Mortgage and Finance | F | 119 | 11 | 37.8% | 9.99% |
| 7 | Associated Mortgage | A | 116 | 89 | 0.9% | 6.50% |
| 8 | American Heritage Bank | C | 114 | 69 | 15.8% | — |
| 9 | Triad Financial Services | D | 107 | 12 | 53.3% | 10.24% |
| 10 | TTCU Federal Credit Union | B | 95 | 72 | 15.8% | 7.00% |
| 11 | United Shore Financial Services | B | 78 | 50 | 9.0% | 6.19% |
| 12 | Credit Human Federal Credit Union | D | 74 | 4 | 78.4% | 8.00% |
| 13 | Flat Branch Mortgage | A | 66 | 51 | 1.5% | 6.50% |
| 14 | Mortgage Research Center | C | 64 | 33 | 17.2% | 6.38% |
| 15 | BancFirst | C | 45 | 29 | 17.8% | 7.50% |
| 16 | Community Bank | – | 44 | 30 | 15.9% | — |
| 17 | Tulsa Federal Credit Union | F | 42 | 15 | 23.8% | 8.00% |
| 18 | The Mortgage Link | B | 39 | 36 | 0.0% | 6.25% |
| 19 | Pennymac Loan Services | C | 38 | 10 | 31.6% | 6.12% |
| 20 | Kiavi Funding | D | 38 | 9 | 5.3% | 9.75% |
| 21 | Waterstone Mortgage | C | 36 | 24 | 2.8% | 6.25% |
| 22 | Broker Solutions | D | 36 | 4 | 25.0% | 6.75% |
| 23 | AmeriSave Mortgage | D | 34 | 7 | 73.5% | 7.13% |
| 24 | Newrez | D | 31 | 12 | 12.9% | 6.38% |
| 25 | Freedom Mortgage | B | 30 | 16 | 3.3% | 6.25% |
Best approval odds in Creek County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Associated Mortgage | 99 | 1.0% |
| 2 | Flat Branch Mortgage | 54 | 1.9% |
| 3 | First United Bank and Trust | 106 | 7.6% |
| 4 | United Shore Financial Services | 57 | 12.3% |
| 5 | American Heritage Bank | 107 | 16.8% |
| 6 | TTCU Federal Credit Union | 89 | 16.9% |
| 7 | Arvest Bank | 95 | 23.2% |
| 8 | Rocket Mortgage | 153 | 24.8% |
| 9 | BOKF | 105 | 28.6% |
| 10 | Triad Financial Services | 106 | 53.8% |
What Creek County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Creek County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,412 | 1,202 | 22.9% | 7.00% | $140,000 |
| 2024 | 2,677 | 1,351 | 23.4% | 6.99% | $155,000 |
| 2025 | 3,014 | 1,543 | 20.7% | 6.75% | $165,000 |
Frequently asked questions
20.7% of applications in Creek County were denied in 2025, against 17.9% statewide in Oklahoma.
21st Mortgage, with 181 applications in 2025 and a denial rate of 45.3%.
The median mortgage application in Creek County in 2025 was for $165,000; the median property value on originated loans was $245,000.