Largest lenders in Pawnee County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 82 | 19 | 43.9% | 9.70% |
| 2 | Vanderbilt Mortgage and Finance | F | 55 | 11 | 34.6% | 9.50% |
| 3 | Triad Financial Services | D | 39 | 5 | 38.5% | 8.86% |
| 4 | Rocket Mortgage | C | 33 | 18 | 30.3% | 6.63% |
| 5 | American Heritage Bank | C | 24 | 11 | 25.0% | — |
| 6 | Associated Mortgage | A | 21 | 14 | 4.8% | 6.56% |
| 7 | BOKF | D | 19 | 7 | 31.6% | 6.50% |
| 8 | Mortgage Research Center | C | 19 | 9 | 26.3% | 6.63% |
| 9 | Credit Human Federal Credit Union | D | 18 | 2 | 72.2% | 8.15% |
| 10 | Southwest Stage Funding | F | 16 | 4 | 6.3% | 8.00% |
| 11 | Arvest Bank | C | 15 | 7 | 46.7% | 6.63% |
| 12 | First United Bank and Trust | C | 15 | 10 | 0.0% | 6.69% |
| 13 | United Shore Financial Services | B | 13 | 11 | 0.0% | 6.63% |
| 14 | Pennymac Loan Services | C | 12 | 9 | 8.3% | 6.75% |
| 15 | Freedom Mortgage | B | 11 | 4 | 27.3% | 6.19% |
| 16 | First Bank & Trust | – | 10 | 9 | 0.0% | — |
| 17 | Armstrong Bank | B | 10 | 8 | 20.0% | 7.00% |
| 18 | Tulsa Federal Credit Union | F | 9 | 5 | 11.1% | 8.00% |
| 19 | Newrez | D | 8 | 2 | 50.0% | 7.88% |
| 20 | Gateway First Bank | B | 8 | 4 | 0.0% | 7.50% |
| 21 | Spring Eq | D | 7 | 1 | 71.4% | 10.15% |
| 22 | Flat Branch Mortgage | A | 7 | 5 | 0.0% | 6.13% |
| 23 | Countryplace Mortgage | F | 7 | 0 | 57.1% | — |
| 24 | Figure Lending | C | 7 | 1 | 28.6% | 10.75% |
| 25 | TTCU Federal Credit Union | B | 7 | 7 | 0.0% | 6.75% |
Best approval odds in Pawnee County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 57 | 63.2% |
What Pawnee County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Pawnee County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 500 | 242 | 21.6% | 7.06% | $125,000 |
| 2024 | 526 | 234 | 28.0% | 7.00% | $135,000 |
| 2025 | 669 | 284 | 27.2% | 6.88% | $135,000 |
Frequently asked questions
27.2% of applications in Pawnee County were denied in 2025, against 17.9% statewide in Oklahoma.
21st Mortgage, with 82 applications in 2025 and a denial rate of 43.9%.
The median mortgage application in Pawnee County in 2025 was for $135,000; the median property value on originated loans was $205,000.