Largest lenders in Grady County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 145 | 97 | 24.1% | 6.63% |
| 2 | 21st Mortgage | F | 123 | 20 | 37.4% | 9.62% |
| 3 | First United Bank and Trust | C | 107 | 77 | 4.7% | 6.88% |
| 4 | Arvest Bank | C | 95 | 58 | 19.0% | 7.25% |
| 5 | Loandepot.Com | D | 94 | 30 | 48.9% | 5.69% |
| 6 | United Shore Financial Services | B | 93 | 55 | 15.1% | 6.13% |
| 7 | Great Plains National Bank | B | 88 | 77 | 4.6% | 6.63% |
| 8 | The First National Bank and Trust | F | 80 | 49 | 15.0% | — |
| 9 | Triad Financial Services | D | 75 | 4 | 56.0% | 8.94% |
| 10 | Vanderbilt Mortgage and Finance | F | 70 | 12 | 32.9% | 9.88% |
| 11 | BancFirst | C | 66 | 42 | 16.7% | 7.25% |
| 12 | Mortgage Research Center | C | 63 | 29 | 22.2% | 6.25% |
| 13 | Tinker Federal Credit Union | F | 53 | 26 | 24.5% | 7.18% |
| 14 | Pennymac Loan Services | C | 52 | 25 | 5.8% | 6.13% |
| 15 | Guaranteed Rate | B | 50 | 30 | 4.0% | 6.50% |
| 16 | WEOKIE Federal Credit Union | D | 44 | 23 | 20.5% | 6.63% |
| 17 | Freedom Mortgage | B | 43 | 18 | 9.3% | 6.25% |
| 18 | Navy Federal Credit Union | D | 36 | 15 | 8.3% | 6.13% |
| 19 | Associated Mortgage | A | 35 | 24 | 0.0% | 6.50% |
| 20 | Newrez | D | 32 | 13 | 9.4% | 6.50% |
| 21 | Broker Solutions | D | 32 | 10 | 12.5% | 6.94% |
| 22 | Guild Mortgage | A | 30 | 22 | 3.3% | 6.69% |
| 23 | Credit Human Federal Credit Union | D | 27 | 0 | 77.8% | — |
| 24 | Mld Mortgage | A | 27 | 21 | 3.7% | 6.44% |
| 25 | Coastal Community Bank | C | 27 | 5 | 7.4% | 9.74% |
Best approval odds in Grady County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Great Plains National Bank | 81 | 4.9% |
| 2 | First United Bank and Trust | 83 | 6.0% |
| 3 | BancFirst | 63 | 17.5% |
| 4 | The First National Bank and Trust | 64 | 18.8% |
| 5 | United Shore Financial Services | 69 | 20.3% |
| 6 | Arvest Bank | 76 | 23.7% |
| 7 | Rocket Mortgage | 133 | 26.3% |
| 8 | Triad Financial Services | 75 | 56.0% |
| 9 | Loandepot.Com | 77 | 59.7% |
| 10 | 21st Mortgage | 68 | 67.7% |
What Grady County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Grady County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,153 | 1,185 | 20.4% | 7.00% | $155,000 |
| 2024 | 2,346 | 1,327 | 18.8% | 6.88% | $155,000 |
| 2025 | 2,768 | 1,488 | 19.0% | 6.63% | $175,000 |
Frequently asked questions
19.0% of applications in Grady County were denied in 2025, against 17.9% statewide in Oklahoma.
Rocket Mortgage, with 145 applications in 2025 and a denial rate of 24.1%.
The median mortgage application in Grady County in 2025 was for $175,000; the median property value on originated loans was $295,000.