Largest lenders in Garvin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First United Bank and Trust | C | 82 | 48 | 8.5% | 7.38% |
| 2 | 21st Mortgage | F | 70 | 6 | 50.0% | 10.52% |
| 3 | Rocket Mortgage | C | 50 | 33 | 22.0% | 6.99% |
| 4 | Triad Financial Services | D | 46 | 5 | 45.7% | 8.55% |
| 5 | Gateway First Bank | B | 32 | 27 | 6.3% | 6.75% |
| 6 | Mortgage Research Center | C | 22 | 8 | 31.8% | 6.25% |
| 7 | United Shore Financial Services | B | 20 | 10 | 15.0% | 6.09% |
| 8 | Newrez | D | 18 | 11 | 5.6% | 6.75% |
| 9 | Freedom Mortgage | B | 17 | 5 | 17.7% | 6.25% |
| 10 | Associated Mortgage | A | 16 | 15 | 0.0% | 6.25% |
| 11 | Tinker Federal Credit Union | F | 15 | 8 | 40.0% | 8.24% |
| 12 | Loandepot.Com | D | 15 | 8 | 26.7% | 6.69% |
| 13 | Vanderbilt Mortgage and Finance | F | 15 | 2 | 60.0% | 10.38% |
| 14 | AmeriSave Mortgage | D | 14 | 3 | 78.6% | 7.88% |
| 15 | Carrington Mortgage Services | D | 14 | 5 | 42.9% | 6.13% |
| 16 | First Bank & Trust | C | 14 | 8 | 35.7% | — |
| 17 | Southwest Stage Funding | F | 14 | 2 | 14.3% | 8.45% |
| 18 | Credit Human Federal Credit Union | D | 13 | 0 | 100.0% | — |
| 19 | BancFirst | C | 11 | 7 | 18.2% | 7.50% |
| 20 | Broker Solutions | D | 11 | 2 | 0.0% | 8.25% |
| 21 | Countryplace Mortgage | F | 11 | 0 | 72.7% | — |
| 22 | Bank of America | F | 10 | 3 | 30.0% | 5.88% |
| 23 | Vision Bank | C | 10 | 8 | 10.0% | 7.28% |
| 24 | Equity Prime Mortgage | D | 10 | 5 | 0.0% | 6.38% |
| 25 | Simmons Bank | C | 10 | 5 | 40.0% | 4.99% |
Best approval odds in Garvin County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First United Bank and Trust | 55 | 12.7% |
What Garvin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Garvin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 693 | 337 | 27.6% | 7.13% | $125,000 |
| 2024 | 702 | 327 | 27.4% | 6.99% | $125,000 |
| 2025 | 844 | 366 | 28.6% | 6.75% | $115,000 |
Frequently asked questions
28.6% of applications in Garvin County were denied in 2025, against 17.9% statewide in Oklahoma.
First United Bank and Trust, with 82 applications in 2025 and a denial rate of 8.5%.
The median mortgage application in Garvin County in 2025 was for $115,000; the median property value on originated loans was $180,000.