Largest lenders in Lincoln County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | BancFirst | C | 237 | 194 | 9.3% | 7.50% |
| 2 | 21st Mortgage | F | 119 | 24 | 47.1% | 9.84% |
| 3 | Vanderbilt Mortgage and Finance | F | 72 | 14 | 36.1% | 8.99% |
| 4 | Rocket Mortgage | C | 58 | 34 | 27.6% | 6.63% |
| 5 | Triad Financial Services | D | 56 | 8 | 48.2% | 8.60% |
| 6 | First United Bank and Trust | C | 55 | 33 | 1.8% | 6.63% |
| 7 | United Shore Financial Services | B | 44 | 24 | 18.2% | 5.93% |
| 8 | First Bank & Trust | C | 38 | 28 | 13.2% | — |
| 9 | Mortgage Research Center | C | 38 | 13 | 31.6% | 6.63% |
| 10 | The Payne County Bank | A | 27 | 24 | 0.0% | — |
| 11 | Pennymac Loan Services | C | 25 | 11 | 12.0% | 6.38% |
| 12 | Tinker Federal Credit Union | F | 25 | 13 | 20.0% | 7.50% |
| 13 | Credit Human Federal Credit Union | D | 24 | 0 | 91.7% | — |
| 14 | Arvest Bank | C | 23 | 14 | 8.7% | 6.50% |
| 15 | Vision Bank | C | 23 | 15 | 26.1% | 7.50% |
| 16 | Southwest Stage Funding | F | 23 | 7 | 13.0% | 7.75% |
| 17 | Freedom Mortgage | B | 21 | 9 | 14.3% | 5.88% |
| 18 | Great Plains National Bank | B | 17 | 14 | 0.0% | 6.56% |
| 19 | Lennar Mortgage | A | 17 | 12 | 11.8% | 5.50% |
| 20 | Newrez | D | 17 | 5 | 29.4% | 6.63% |
| 21 | AmeriSave Mortgage | D | 16 | 4 | 68.8% | 7.75% |
| 22 | Stride Bank | A | 16 | 13 | 0.0% | 6.50% |
| 23 | Paramount Residential Mortgage Group | B | 14 | 11 | 0.0% | 6.50% |
| 24 | Crosscountry Mortgage | B | 13 | 7 | 7.7% | 5.99% |
| 25 | Gold Star Mortgage Financial Group | C | 13 | 7 | 0.0% | 6.25% |
Best approval odds in Lincoln County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | BancFirst | 229 | 9.6% |
| 2 | Rocket Mortgage | 51 | 31.4% |
| 3 | Triad Financial Services | 56 | 48.2% |
| 4 | 21st Mortgage | 83 | 67.5% |
What Lincoln County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lincoln County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,272 | 636 | 26.2% | 7.25% | $130,000 |
| 2024 | 1,337 | 698 | 23.9% | 7.25% | $135,000 |
| 2025 | 1,472 | 760 | 21.8% | 6.93% | $145,000 |
Frequently asked questions
21.8% of applications in Lincoln County were denied in 2025, against 17.9% statewide in Oklahoma.
BancFirst, with 237 applications in 2025 and a denial rate of 9.3%.
The median mortgage application in Lincoln County in 2025 was for $145,000; the median property value on originated loans was $225,000.