Largest lenders in Kay County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Flat Branch Mortgage | A | 144 | 123 | 0.0% | 6.50% |
| 2 | Equity Bank | A | 94 | 53 | 29.8% | 7.99% |
| 3 | RCB Bank | B | 93 | 64 | 14.0% | 6.18% |
| 4 | First National Bank Of Oklahoma | A | 75 | 69 | 1.3% | — |
| 5 | BancFirst | C | 54 | 49 | 5.6% | 7.50% |
| 6 | Rocket Mortgage | C | 54 | 33 | 24.1% | 6.63% |
| 7 | Community National Bank & Trust | C | 39 | 34 | 10.3% | 8.25% |
| 8 | Mortgage Research Center | C | 31 | 10 | 35.5% | 6.38% |
| 9 | AmeriSave Mortgage | D | 27 | 3 | 66.7% | 8.63% |
| 10 | 21st Mortgage | F | 23 | 4 | 13.0% | 9.68% |
| 11 | United Shore Financial Services | B | 22 | 11 | 27.3% | 6.25% |
| 12 | F&M Bank | B | 19 | 15 | 5.3% | 6.75% |
| 13 | Newrez | D | 19 | 5 | 15.8% | 5.63% |
| 14 | Broker Solutions | D | 19 | 2 | 10.5% | 7.78% |
| 15 | Figure Lending | C | 18 | 6 | 38.9% | 8.18% |
| 16 | Freedom Mortgage | B | 16 | 3 | 12.5% | 6.63% |
| 17 | Coastal Community Bank | C | 16 | 3 | 0.0% | 8.49% |
| 18 | Pennymac Loan Services | C | 15 | 4 | 26.7% | 6.25% |
| 19 | Navy Federal Credit Union | D | 12 | 6 | 0.0% | 6.75% |
| 20 | Loandepot.Com | D | 11 | 5 | 36.4% | 6.49% |
| 21 | U.S. Bank | D | 9 | 3 | 66.7% | 6.88% |
| 22 | Great Plains National Bank | B | 8 | 6 | 0.0% | 6.50% |
| 23 | Ameritrust Mortgage | D | 8 | 5 | 12.5% | 7.25% |
| 24 | BOKF | D | 7 | 3 | 42.9% | 4.49% |
| 25 | Better Mortgage | F | 7 | 1 | 71.4% | 8.00% |
Best approval odds in Kay County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Flat Branch Mortgage | 123 | 0.0% |
| 2 | First National Bank Of Oklahoma | 71 | 1.4% |
| 3 | BancFirst | 52 | 5.8% |
| 4 | RCB Bank | 77 | 16.9% |
| 5 | Equity Bank | 81 | 34.6% |
What Kay County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Kay County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 990 | 640 | 16.6% | 6.99% | $95,000 |
| 2024 | 1,013 | 611 | 18.1% | 6.88% | $105,000 |
| 2025 | 1,085 | 646 | 16.9% | 6.75% | $105,000 |
Frequently asked questions
16.9% of applications in Kay County were denied in 2025, against 17.9% statewide in Oklahoma.
Flat Branch Mortgage, with 144 applications in 2025 and a denial rate of 0.0%.
The median mortgage application in Kay County in 2025 was for $105,000; the median property value on originated loans was $165,000.