Largest lenders in Osage County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | BOKF | D | 101 | 51 | 21.8% | 6.75% |
| 2 | 21st Mortgage | F | 93 | 15 | 40.9% | 10.07% |
| 3 | Rocket Mortgage | C | 82 | 54 | 29.3% | 6.99% |
| 4 | Vanderbilt Mortgage and Finance | F | 76 | 5 | 34.2% | 11.50% |
| 5 | Arvest Bank | C | 66 | 33 | 25.8% | 6.88% |
| 6 | Flat Branch Mortgage | A | 66 | 55 | 0.0% | 6.49% |
| 7 | Triad Financial Services | D | 54 | 5 | 57.4% | 10.12% |
| 8 | Mortgage Research Center | C | 45 | 17 | 37.8% | 6.38% |
| 9 | Credit Human Federal Credit Union | D | 41 | 0 | 82.9% | — |
| 10 | United Shore Financial Services | B | 41 | 26 | 17.1% | 6.56% |
| 11 | Associated Mortgage | A | 34 | 33 | 0.0% | 6.75% |
| 12 | TTCU Federal Credit Union | B | 34 | 23 | 17.7% | 7.00% |
| 13 | Tulsa Federal Credit Union | F | 34 | 16 | 5.9% | 8.00% |
| 14 | RCB Bank | B | 34 | 25 | 17.7% | 6.63% |
| 15 | American Bank of Oklahoma | B | 32 | 24 | 12.5% | 7.50% |
| 16 | First United Bank and Trust | C | 27 | 20 | 3.7% | 6.75% |
| 17 | American Heritage Bank | C | 25 | 13 | 32.0% | — |
| 18 | Pennymac Loan Services | C | 24 | 11 | 20.8% | 6.00% |
| 19 | BancFirst | C | 24 | 18 | 8.3% | 7.38% |
| 20 | Newrez | D | 23 | 3 | 26.1% | 6.50% |
| 21 | Freedom Mortgage | B | 21 | 6 | 4.8% | 6.50% |
| 22 | Waterstone Mortgage | C | 19 | 15 | 0.0% | 6.75% |
| 23 | Truity Federal Credit Union | C | 18 | 14 | 0.0% | 6.55% |
| 24 | Armstrong Bank | B | 18 | 13 | 22.2% | 7.10% |
| 25 | Gateway First Bank | B | 18 | 12 | 0.0% | 6.81% |
Best approval odds in Osage 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 | 55 | 0.0% |
| 2 | BOKF | 74 | 29.7% |
| 3 | Rocket Mortgage | 78 | 30.8% |
| 4 | Arvest Bank | 51 | 33.3% |
| 5 | Triad Financial Services | 54 | 57.4% |
| 6 | 21st Mortgage | 55 | 69.1% |
What Osage County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Osage County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,570 | 779 | 22.2% | 6.99% | $135,000 |
| 2024 | 1,595 | 791 | 23.3% | 6.88% | $145,000 |
| 2025 | 1,683 | 857 | 22.0% | 6.75% | $155,000 |
Frequently asked questions
22.0% of applications in Osage County were denied in 2025, against 17.9% statewide in Oklahoma.
BOKF, with 101 applications in 2025 and a denial rate of 21.8%.
The median mortgage application in Osage County in 2025 was for $155,000; the median property value on originated loans was $275,000.