Largest lenders in Johnston County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 50 | 6 | 36.0% | 9.29% |
| 2 | First United Bank and Trust | C | 28 | 21 | 7.1% | 8.25% |
| 3 | Triad Financial Services | D | 23 | 4 | 47.8% | 8.88% |
| 4 | Rocket Mortgage | C | 16 | 12 | 18.8% | 6.56% |
| 5 | BancFirst | C | 15 | 10 | 13.3% | 7.81% |
| 6 | Southwest Stage Funding | F | 11 | 4 | 0.0% | 7.68% |
| 7 | AmeriSave Mortgage | D | 7 | 2 | 71.4% | 8.69% |
| 8 | Freedom Mortgage | B | 7 | 0 | 28.6% | — |
| 9 | Broker Solutions | D | 7 | 1 | 0.0% | 6.75% |
| 10 | Mortgage Research Center | C | 7 | 3 | 14.3% | 6.75% |
| 11 | Guild Mortgage | A | 7 | 2 | 0.0% | 6.38% |
| 12 | Countryplace Mortgage | F | 7 | 0 | 57.1% | — |
| 13 | Vanderbilt Mortgage and Finance | F | 6 | 1 | 0.0% | 8.99% |
| 14 | Great Plains National Bank | B | 5 | 4 | 0.0% | 6.69% |
| 15 | Vision Bank | C | 5 | 4 | 0.0% | 8.00% |
| 16 | United Shore Financial Services | B | 5 | 2 | 40.0% | 5.62% |
What Johnston County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Johnston County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 246 | 103 | 32.1% | 7.75% | $105,000 |
| 2024 | 263 | 116 | 25.5% | 7.25% | $125,000 |
| 2025 | 286 | 111 | 24.1% | 7.38% | $120,000 |
Frequently asked questions
24.1% of applications in Johnston County were denied in 2025, against 17.9% statewide in Oklahoma.
21st Mortgage, with 50 applications in 2025 and a denial rate of 36.0%.
The median mortgage application in Johnston County in 2025 was for $120,000; the median property value on originated loans was $185,000.