Largest lenders in Garfield County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Gateway First Bank | B | 214 | 169 | 3.3% | 6.38% |
| 2 | BOKF | D | 110 | 60 | 18.2% | 7.06% |
| 3 | Great Plains National Bank | B | 105 | 85 | 3.8% | 6.63% |
| 4 | Rocket Mortgage | C | 84 | 58 | 17.9% | 6.88% |
| 5 | Tinker Federal Credit Union | F | 74 | 34 | 27.0% | 6.95% |
| 6 | Mortgage Research Center | C | 68 | 36 | 17.7% | 6.25% |
| 7 | Financial Concepts Mortgage | A | 66 | 65 | 0.0% | 6.25% |
| 8 | The Security National Bank of Enid | – | 60 | 56 | 3.3% | — |
| 9 | The Bank of Kremlin | – | 45 | 45 | 0.0% | — |
| 10 | United Shore Financial Services | B | 35 | 20 | 17.1% | 6.08% |
| 11 | 21st Mortgage | F | 33 | 5 | 33.3% | 8.80% |
| 12 | Pennymac Loan Services | C | 27 | 8 | 18.5% | 5.94% |
| 13 | Freedom Mortgage | B | 27 | 11 | 7.4% | 5.88% |
| 14 | Navy Federal Credit Union | D | 26 | 10 | 23.1% | 6.19% |
| 15 | BMO Bank | F | 24 | 9 | 45.8% | 9.54% |
| 16 | USAA Federal Savings Bank | C | 23 | 10 | 26.1% | 6.25% |
| 17 | InterBank | C | 23 | 19 | 0.0% | 8.00% |
| 18 | Stride Bank | A | 23 | 19 | 0.0% | 7.13% |
| 19 | BancFirst | C | 22 | 17 | 13.6% | 7.13% |
| 20 | Newrez | D | 21 | 5 | 33.3% | 6.50% |
| 21 | Triad Financial Services | D | 21 | 2 | 23.8% | 7.88% |
| 22 | Broker Solutions | D | 20 | 5 | 20.0% | 6.63% |
| 23 | New Day Financial | F | 19 | 5 | 21.1% | 6.99% |
| 24 | Loandepot.Com | D | 18 | 6 | 44.4% | 6.44% |
| 25 | Communication Federal Credit Union | C | 16 | 9 | 12.5% | 7.13% |
Best approval odds in Garfield County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Financial Concepts Mortgage | 65 | 0.0% |
| 2 | The Security National Bank of Enid | 59 | 3.4% |
| 3 | Gateway First Bank | 178 | 3.9% |
| 4 | Great Plains National Bank | 91 | 4.4% |
| 5 | Rocket Mortgage | 74 | 20.3% |
| 6 | BOKF | 81 | 24.7% |
| 7 | Tinker Federal Credit Union | 56 | 35.7% |
What Garfield County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Garfield County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,393 | 914 | 16.7% | 6.88% | $115,000 |
| 2024 | 1,495 | 951 | 15.1% | 6.88% | $115,000 |
| 2025 | 1,621 | 977 | 15.7% | 6.63% | $135,000 |
Frequently asked questions
15.7% of applications in Garfield County were denied in 2025, against 17.9% statewide in Oklahoma.
Gateway First Bank, with 214 applications in 2025 and a denial rate of 3.3%.
The median mortgage application in Garfield County in 2025 was for $135,000; the median property value on originated loans was $185,000.