Largest lenders in Jackson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Mortgage Research Center | C | 77 | 39 | 11.7% | 6.25% |
| 2 | United Shore Financial Services | B | 60 | 46 | 10.0% | 6.13% |
| 3 | Rocket Mortgage | C | 57 | 34 | 31.6% | 7.06% |
| 4 | Red River Federal Credit Union | – | 49 | 45 | 8.2% | 7.13% |
| 5 | Freedom Mortgage | B | 33 | 19 | 9.1% | 6.13% |
| 6 | Interlinc Mortgage Services | B | 32 | 16 | 9.4% | 7.13% |
| 7 | MidFirst Bank | B | 23 | 10 | 39.1% | 6.63% |
| 8 | Navy Federal Credit Union | D | 21 | 11 | 14.3% | 7.75% |
| 9 | Pennymac Loan Services | C | 19 | 8 | 36.8% | 6.19% |
| 10 | Click n' Close | C | 18 | 16 | 0.0% | 6.13% |
| 11 | USAA Federal Savings Bank | C | 15 | 7 | 20.0% | 6.38% |
| 12 | New Day Financial | F | 15 | 5 | 13.3% | 6.99% |
| 13 | Coastal Community Bank | C | 15 | 1 | 13.3% | 6.99% |
| 14 | Shamrock Bank | – | 14 | 13 | 0.0% | — |
| 15 | Stockmans Bank | – | 13 | 10 | 15.4% | — |
| 16 | Triad Financial Services | D | 11 | 1 | 54.6% | 8.76% |
| 17 | Paramount Residential Mortgage Group | B | 11 | 10 | 0.0% | 6.38% |
| 18 | Carrington Mortgage Services | D | 10 | 3 | 40.0% | 5.88% |
| 19 | AmeriSave Mortgage | D | 8 | 1 | 87.5% | 8.75% |
| 20 | Ixonia Bank | C | 8 | 5 | 0.0% | 6.50% |
| 21 | Nationstar Mortgage | C | 8 | 6 | 12.5% | 7.13% |
| 22 | Vanderbilt Mortgage and Finance | F | 8 | 1 | 75.0% | 11.99% |
| 23 | 21st Mortgage | F | 7 | 1 | 14.3% | 8.54% |
| 24 | Great Plains National Bank | B | 7 | 5 | 0.0% | 6.25% |
| 25 | Credit Human Federal Credit Union | D | 7 | 0 | 85.7% | — |
Best approval odds in Jackson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 53 | 11.3% |
| 2 | Rocket Mortgage | 53 | 34.0% |
What Jackson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jackson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 628 | 384 | 16.9% | 6.75% | $155,000 |
| 2024 | 684 | 391 | 15.5% | 6.75% | $155,000 |
| 2025 | 759 | 433 | 18.5% | 6.58% | $155,000 |
Frequently asked questions
18.5% of applications in Jackson County were denied in 2025, against 17.9% statewide in Oklahoma.
Mortgage Research Center, with 77 applications in 2025 and a denial rate of 11.7%.
The median mortgage application in Jackson County in 2025 was for $155,000; the median property value on originated loans was $215,000.