Largest lenders in Seminole County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First United Bank and Trust | C | 92 | 64 | 8.7% | 7.38% |
| 2 | 21st Mortgage | F | 75 | 8 | 52.0% | 10.00% |
| 3 | BancFirst | C | 66 | 36 | 28.8% | 7.50% |
| 4 | Triad Financial Services | D | 46 | 3 | 52.2% | 8.86% |
| 5 | Vanderbilt Mortgage and Finance | F | 32 | 6 | 34.4% | 11.00% |
| 6 | Rocket Mortgage | C | 31 | 22 | 19.4% | 6.56% |
| 7 | Mortgage Research Center | C | 26 | 13 | 11.5% | 6.25% |
| 8 | Gateway First Bank | B | 21 | 13 | 4.8% | 6.75% |
| 9 | Tinker Federal Credit Union | F | 16 | 2 | 62.5% | 10.12% |
| 10 | AmeriSave Mortgage | D | 15 | 2 | 60.0% | 6.88% |
| 11 | United Shore Financial Services | B | 14 | 9 | 0.0% | 5.99% |
| 12 | Freedom Mortgage | B | 13 | 5 | 7.7% | 6.63% |
| 13 | Southwest Stage Funding | F | 11 | 4 | 18.2% | 8.53% |
| 14 | BMO Bank | F | 11 | 6 | 27.3% | 9.03% |
| 15 | Loandepot.Com | D | 9 | 4 | 33.3% | 5.88% |
| 16 | Pennymac Loan Services | C | 8 | 2 | 25.0% | 5.88% |
| 17 | Canopy Mortgage | B | 8 | 4 | 0.0% | 5.63% |
| 18 | Carrington Mortgage Services | D | 8 | 3 | 50.0% | 6.63% |
| 19 | Credit Human Federal Credit Union | D | 8 | 0 | 50.0% | — |
| 20 | Sovereign Bank | A | 8 | 5 | 0.0% | 7.13% |
| 21 | BOKF | D | 7 | 1 | 14.3% | 5.63% |
| 22 | Arvest Bank | C | 7 | 5 | 28.6% | 6.88% |
| 23 | Vision Bank | C | 7 | 4 | 28.6% | 7.25% |
| 24 | Great Plains National Bank | B | 6 | 3 | 0.0% | 6.63% |
| 25 | Communication Federal Credit Union | C | 6 | 1 | 33.3% | 6.38% |
Best approval odds in Seminole County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First United Bank and Trust | 74 | 10.8% |
| 2 | BancFirst | 64 | 29.7% |
What Seminole County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Seminole County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 612 | 270 | 27.3% | 7.38% | $105,000 |
| 2024 | 649 | 308 | 26.8% | 7.25% | $115,000 |
| 2025 | 736 | 316 | 25.3% | 6.99% | $125,000 |
Frequently asked questions
25.3% of applications in Seminole County were denied in 2025, against 17.9% statewide in Oklahoma.
First United Bank and Trust, with 92 applications in 2025 and a denial rate of 8.7%.
The median mortgage application in Seminole County in 2025 was for $125,000; the median property value on originated loans was $205,000.